Resources

Insights

Our Insights Team produce industry leading research, data analysis,
and strategies that help positively shape the payments industry.
Explore blogs, thought leadership content, infographics, and videos
on best practices, trends, challenges, and the future of payments.

Type
Region
Tag
Industry
Service
Presence
Filter
Blog November 21st 2023

CMSPI Launches Insights Advisory Council with Merchant Payments Leaders

The Insights Advisory Council will provide direction to the CMSPI team on strategic industry reports, research prioritization, and prospective partner content.

Read more
Blog May 29th 2025

Back to Basics: Card Network Models and Global Card Costs

The world of payments can be confusing, so it’s important to refresh ourselves with the basics of the industry. In this blog, we will breakdown three- and four-party card network models, review the key players, analyze the cost structure and look at card costs around the world.

Read more
Blog November 18th 2024

How Have U.S. Card Fees Grown Since 2006?

U.S. merchants face some of the highest credit card swipe fees globally. On November 19, 2024, the Senate Judiciary Committee revisits this issue in a hearing titled “Breaking the Visa-Mastercard Duopoly: Bringing Competition and Lower Fees to the Credit Card System.”
Read more
Blog October 16th 2024

How Much Interchange was Paid on Sales Tax in the U.S.?

CMSPI estimates that U.S. merchants paid over $11 billion in interchange on sales tax, gasoline and diesel state excise taxes, and alcohol state excise taxes. Merchants are also estimated to have paid over $407 million in interchange on federal gasoline and diesel excise taxes. Read below to see how the impact differed by state.

Read more
Blog June 6th 2024

A Guide to Competition in the U.S. Payments Market

Does network routing competition create market efficiencies? In this article, we discuss competitive interventions within the U.S. payments landscape. We compare norms pre- and postintervention and highlight key hurdles faced by merchants in extracting the value of regulation. Finally, we map out the road ahead in terms of new challenges and potential avenues for improving the payments landscape.

Read more
Blog August 15th 2024

Fraud Wars: How Tech, Shifting Attitudes, and Organized Crime Are Redefining Online Retail Security

In the high-stakes world of online retail, three forces are shaking up the fight against fraud: cutting-edge technology, changing attitudes towards what feels like fraud, and increasingly cunning organized crime. Are merchants ready to tackle these evolving threats? Dive into our latest blog to uncover how these elements are transforming ecommerce security and what retailers need to do to stay ahead.

Read more

Get in touch

Elizabeth Garner Divelbiss

Chief Brand Officer

Austin, TX

Liz and her team foster collaboration between all areas of retail payments.

Callum Godwin

Chief Economist

Atlanta, GA

Callum manages a team of Economists and keeps CMSPI at the forefront of payments.

Client Stories

Unlocking Substantial Payments Budget Savings for a Top Digital Merchant

The client, a leading international digital merchant with a sophisticated payment team, faced challenges related to rising payment costs, performance comparisons, and fully maximizing cost-saving initiatives.

Forensic Cost of Payments Review Leads to Impactful Savings

A large, U.S. based airline, experiencing rapidly accelerating growth, partnered with our experts to conduct a review of their cost of payments acceptance.

CMSPI Achieves Fast Savings for FDMC Retailer Through Smarter Payments Intelligence

This case study underscores industry collaboration and shines a light on the importance of pairing expertise with advanced analytical tools.

Join CMSPI’s Townhall Community Today.

Join industry experts and 100’s of the Global 500 each month. CMSPI’s Townhall is a monthly virtual forum to discuss key merchant challenges and opportunities. Join over 700 subscribers and hear from payments industry experts on topics that matter most to you.

CMSPI's Townhall

Want more insights from the payments experts at CMSPI?

Load more

View more client stories and learn about our process.

Client stories