Restaurant Chain Recommends CMSPI

We caught up with a national restaurant chain to discuss how our recent joint card processing optimization project went.

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The trusted, independent
payments consultancy

CMSPI is a professional team of consultants and analysts
that advise merchants on how to optimize and reduce their
payment costs.

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Explore, Discover and Learn

Our News & Resources section is packed
full of white papers, blogs, news and infographics
dedicated to payments in North America.

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CMSPI is an independent payments consultancy that works with hundreds of leading merchants to optimize and reduce their payments costs.

Card Services

CMSPI will make sure each element of your supply chain is working for you.

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Cash Services

CMSPI will breakdown your current costs and benchmark each component.

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FX Services

Future-proof arrangements that keep you at the forefront of the payments industry.

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Special Projects

CMSPI takes pride in approaching each project in a way tailored to your needs.

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Blogs
04.25.2018
Network Fee Increases – What’s Happened in April?

Despite mostly affecting Europe due to Visa Inc’s purchase of Visa Europe, North American merchants should not think they’re immune from scheme fees increases and changes.

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Blogs
05.25.2018
Cash Management Complexities: Five Key Reasons Merchants Are Struggling

We’ve highlighted the five key industry issues that make cash management for merchants time-consuming, costly and complex.

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News
05.25.2018
Finextra News: Adyen confirms plans for IPO

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Blogs
05.23.2018
The Pitfalls and Payoffs of PINless Debit Acceptance

We break down three key pitfalls, and three potential payoffs, available for merchants who get PINless debit solutions right.

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News
05.18.2018
Denny’s Recommends Working With CMSPI…

We recently completed a project with large national restaurant chain Denny’s. We caught up with them to discuss how the project went…

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News
05.18.2018
Finextra News: Paypal Agrees $2.2 billion deal for iZettle

PayPal will acquire leading European fintech iZettle for $2.2 billion

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News
05.15.2018
Matthew Shaw Joins CMSPI Board of Directors

CMSPI is proud to announce that Matthew Shaw, SVP of Sales & Marketing, has joined the CMSPI Board of Directors.

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Events
05.08.2018
Watch our Latest Webinar – How to Significantly Reduce Card Costs Without Switching Vendors

In our latest webinar, our payments consultants explain how to drastically reduce card costs without switching vendors.

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Blogs
05.08.2018
The merchant community, a tale of two halves

Many merchant’s operating expense budgets have outpaced their sales growth, and merchants are struggling to keep up

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News
04.25.2018
Finextra News: Draft U.S. Faster Payments Council Governance Framework Released

A group of industry stakeholders has put together a draft governance framework for a new US Faster Payments Council (FPC).

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Blogs
04.10.2018
Your cash management arrangements should not be swept under the rug, here’s why…

We highlight 3 considerations merchants need to review when optimizing cash management arrangements.

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Resources
04.03.2018
Infographic: Managing The Complexities of Your Cash Supply Chain

We highlight 3 key elements to consider when optimizing your cash management arrangements.

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News
03.13.2018
In a bid to increase merchant card acceptance, Amex cuts fees

American Express has announced its plans to cut merchant acceptance fees by more than it has in the last 20 years.

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Resources
02.28.2018
White Paper: PINless Debit Acceptance

The $2 billion dollar question… are you prepared to take advantage of the savings available?

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Blogs
02.01.2018
The $2bn Question: Is PINless the Next Game Changer for CNP?

PINless debit routing could save U.S. merchants up to $2 billion dollars annually – are you prepared to take advantage of these savings?

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Resources
01.25.2018
White paper: how top-performing merchants are getting cash management right

In this white paper, we provide a 10-step checklist to help merchants optimize their cash management arrangements.

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Blogs
01.23.2018
Lowering Cash Management Costs – 7 Best Practices for Grocery Chains

A combination of industry wide factors mean that now more than ever merchants need to focus their attention on optimizing their cash handling costs.

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Blogs
01.15.2018
Visa Joins Other Network Giants in Changing Signature Rules

After similar announcements from Mastercard, Discover and Amex, Visa is the latest network to change its customer signature requirements.

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Resources
01.15.2018
Whitepaper: Unlocking The Potential, The Rise Of Cash Office Technology

In our latest white paper we examine the rising popularity of cash office technology and what this could mean for your business.

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Blogs
01.11.2018
Payments Talk: Steve Mott, President of BetterBuyDesign LLC

We invited Steve to give his insights on fraud in the U.S. market, barriers for merchants to overcome, and what the future holds for the industry.

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Resources
01.09.2018
Payments Intelligence Magazine – Winter Edition (2018)

In this latest edition, CMSPI experts explain how PINless debit could be a game changer for CNP transactions, saving merchants $2bn annually.

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Blogs
01.04.2018
The Most Read Articles on CMSPI’s Website in 2017

We’ve compiled the top 5 most viewed/downloaded resources from our website over the last 12 months

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Blogs
01.04.2018
The Top 10 Things to Watch Out for in Payments in 2018

We take a look at what the future holds and highlight the top ten things to watch out for in 2018.

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Blogs
01.04.2018
CMSPI Volunteers With Atlanta Children’s Shelter

CMSPI joined forces with the Atlanta Children’s Shelter to help struggling Atlanta families to enjoy the holiday season.

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Blogs
12.20.2017
Happy Holidays From CMSPI!

The CMSPI team wishes you a happy holidays season

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Resources
12.20.2017
Payments 101 – Understanding a 4-Party Transaction

In our latest educational series, Payments 101, we review the basics of the 4-party transaction model.

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Blogs
12.19.2017
Why Merchants Across the Globe Must Unite to Effect Change

The merchant community faces many challenges with regards to payments, and must work together to drive change.

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News
12.13.2017
Finextra News: 59% of Card Present Transactions Globally Use EMV Chip Technology

Latest report shows EMV technology is now used on 59% of global transactions – up from 42% last year.

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Blogs
12.13.2017
Discover and American Express Change Signature Rules

Both Discover and American Express have announced that starting in April 2018 they will no longer require a signature for card transactions.

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Blogs
12.08.2017
Why Private Equity Firms Are Turning to CMSPI to Optimize Payments Costs

Discover the benefits CMSPI can bring to private equity firms.

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Resources
12.04.2017
Webinar: PINless Debit Routing, eCommerce’s Next Game Changer?

Watch the CMSPI and PaymentsEd Forum joint webinar on PINless debit opportunities for CNP.

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Resources
11.15.2017
Infographic: The Card Processing Fees You Need To Pay Attention To

In this infographic, we’ve arranged the various elements that affect your payments budget and why it’s not all about interchange.

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News
11.12.2017
Finextra News: Amazon Cash Comes To Canada

Amazon now enables its Canadian customers to pay for their purchases by cash or card at local Post Offices.

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News
11.12.2017
Finextra News: U.S. Banks Launch Real-Time Payments System

The US has launched their first real-time payments scheme, enabling consumers and businesses to send and receive money within seconds.

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Resources
11.09.2017
Picture of Payments – The Global Payments Race

Vantiv’s impending merger with Worldpay is set to create an international payments behemoth of unprecedented size and scope.

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Resources
11.09.2017
Infographic: 8 Common COT Implementation Mistakes, And How To Avoid Them

We list eight of the most common mistakes merchants make when implementing COT and ways to mitigate them.

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Resources
11.06.2017
Payments Intelligence Magazine – Fall Edition (2017)

In our Fall 2017 Edition, CMSPI investigates the upcoming merger between Vantiv and Worldpay.

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News
11.02.2017
Finextra News: Interac Debit Comes To Samsung Pay in Canada

Canadian debit network Interac has introduced support for Samsung Pay.

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Blogs
11.02.2017
eCommerce’s Next Game Changer – PINless Debit Routing

Supply chain developments mean most merchants can now consider whether PINless debit is right for their business.

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Blogs
10.30.2017
Payments Intelligence Extract : Canada, The Interchange Fight Is On

Is this extract of our latest magazine, CMSPI experts explain why Canadian government must protect merchants from excessive fees.

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News
10.20.2017
Finextra News: PayPal Racks Up Revenues, Profits and User Numbers

PayPal, one of the most popular alternative payment solutions, continues to grow with strong third quarter results.

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Resources
10.18.2017
Infographic: This Quarter At A Glance (Q3 2017)

This quarter at a glance, a snapshot of the quarter’s biggest news (Q3 2017).

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News
10.16.2017
Finextra News: Venmo Comes To The High Street

The popular mobile payment app will soon be available in high street retail shops.

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Blogs
10.05.2017
Interchange Fees: Why Some Jurisdictions Have Regulated Successfully, But Most Haven’t

The fundamental infrastructure of the four-party card system is similar worldwide, so why isn’t interchange regulation?

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Resources
09.27.2017
Infographic: Key Factors When Considering Cash Office Technology

In this infographic we list key considerations for merchants thinking about implementing cash office technology.

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Events
09.13.2017
Webinar: Is Cash Office Technology Right For Your Business?

In this free webinar, CMSPI President, Elley Frost, examines the two biggest trends in the cash industry – outsourcing and technology.

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Blogs
09.12.2017
Merchants Set To Suffer As Visa Announces Increases To European Scheme Fees

CMSPI is able to provide insight into the significant impact merchants are likely to encounter in the coming year.

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Resources
09.06.2017
White paper: Multinational Payments – The Pursuit of Perfection

In our latest white paper, CMSPI experts provide solutions for merchants looking to optimize multinational payments.

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Blogs
08.30.2017
Mergers and Acquisitions: The Good, The Bad and The Ugly

M&A activitiy can often mean uncertainty for all players in the supply chain, but what do these activities mean for merchants specifically?

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Resources
07.24.2017
White paper – PIN Debit Routing: A Multi-Million-Dollar Opportunity

We take a look at the history of PIN debit, the current situation many merchants find themselves in, and steps you can take to optimize your arrangements.

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Blogs
07.20.2017
CMSPI Saves MAG Members $36 Million in Payments Costs

Over the last 24 months’, CMSPI has engaged with several MAG members and is on course to save them a combined $36,000,000.

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Resources
07.12.2017
Infographic – This Quarter at a Glance (Q2 2017)

What’s happening in payments in Q2 of 2017?

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Blogs
06.25.2017
Why Free Market Economics and Interchange Regulation Are Not Mutually Exclusive

Free market economics is often an argument used to block any regulation attempt. However, when it comes to anti-competitive practices, regulations should be encouraged.

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Blogs
06.07.2017
Cash In The USA – What’s Next?

CMSPI takes a look at the overall armored transport landscape in the USA.

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Resources
06.06.2017
Payments Intelligence Magazine – Summer Edition (2017)

Our latest Payments Intelligence magazine, bringing you opinions and insights from across North America.

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Resources
05.31.2017
Infographic – Cash Management: Key Considerations for Restaurants & QSR’s

Managing QSR and restaurant cash arrangements is a difficult task. There are many complex industry-specific challenges that must be considered.

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Blogs
05.08.2017
How Do Interest Rates Affect Cash Management?

We look and interest rates and their influence on your cash management strategy. We analyze each scenario and provide advice on what you should do.

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Blogs
05.04.2017
After Financial Committee Hearing, Fate of Durbin Amendment Remains Unclear

Although recent reports suggest a total repeal is unlikely, it is imperative that merchants act now to ensure Durbin is strengthened.

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Blogs
04.25.2017
CMSPI joins forces with the MAG to tackle PIN debit routing

The webinar will expose why many US merchants are unwittingly missing out on substantial six – seven figure cost savings.

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Resources
04.12.2017
Infographic – The Card Processing Fees You Need to Pay Attention To

CMSPI provides transparency to the complexities associated with processing payments.

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Resources
04.11.2017
Infographic – Debit Routing Engine; Are Your Transactions Really Being Routed Optimally?

Understanding the debit routing engine; are your transactions really being routed optimally?

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Resources
04.10.2017
Infographic – Watch List: US Card Processing and Card Networks Analysis

Summary of US card processing and card network activities for March 2017.

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News
04.04.2017
Finextra News: In wake of EMV switch, US eCommerce fraud soars

As the US finally made the switch to EMV chip cards, last year saw e-commerce fraud rates jump by 33%, according to data from Experian.

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News
03.28.2017
Finextra News: US Supreme Court rejects effort to revise $5.7bn interchange settlement

The US Supreme Court has refused to revive a $5.7 billion class action settlement between millions of retailers and Visa and Mastercard over interchange fees.

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Blogs
03.10.2017
Payments Intelligence Extract : The Durbin Amendment – it’s time for a regulatory reform

Introduced as part of the Dodd-Frank Wall Street Reform Act, the Durbin Amendment has underachieved. Should it then be repealed, or reformed?

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Resources
03.07.2017
Payments Intelligence Magazine – Spring Edition (2017)

In this edition we take a look at the Durbin Amendment and argue that despite its failure to protect merchants, the regulation should be retained and strengthened – not repealed.

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Resources
03.02.2017
Infographic – CMSPI’s Essential Card Processing Optimization Checklist

Key considerations to make when exploring improvements to your card processing arrangements.

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Resources
02.02.2017
The Card Payments Supply Chain

The card payments supply chain is complex, here’s a summary of how it works.

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News
01.27.2017
Finextra News: Fed publishes faster payments report

The Federal Reserve says it is on track to hit “significant milestones” this year in its long journey towards finally bringing faster payments to America.

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News
01.06.2017
Finextra News: Walmart Canada ends ban on Visa credit cards

Walmart Canada and Visa have ended their interchange fee standoff, striking a deal that will see the retail giant’s customers able to resume using Visa credit cards.

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News
12.16.2016
Finextra News: Visa and Mastercard strike wallet tokenization deal

Bitter rivals Visa and Mastercard have struck a deal that lets each firm’s digital wallet service request the other’s tokenized payment credentials.

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News
12.15.2016
Finextra News: Cash to account for less than a quarter of US transactions by 2026

The rise of mobile and contactless payments means that by 2026 cash will account for less than a quarter of all transactions in the US.

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News
12.08.2016
Finextra News: Canada publishes multi-year roadmap for payments overhaul

Payments Canada has gone into public consultation on far-reaching plans for a throughgoing overhaul of the nation’s payments architecture and legal underpinnings.

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News
12.01.2016
Finextra News: Amex brings NFC mobile payments to Canada

American Express is bringing contactless mobile payments to Canadian cardholders with Android devices.

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News
11.23.2016
Finextra News: Visa tweaks debit routing policies

Visa (NYSE:V) today modified and clarified existing debit network routing rules to help merchants and acquirers better understand implementation options.

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Our recent achievements

We regularly save our clients six and seven-figure amounts, how much could we save you?

$ 402 bn

Annual volume of cash and card
revenue we negotiated last year.

$ 68 m

Savings achieved for our
clients in the last 12 months.

42

We completed projects spanning
40 countries across the globe.

We work with some of the world's leading brands

Jack in the Box, client
Red Lobster Restaurants
Abercrombie & Fitch
Bloomin' Brands
Tractor Supply Company
Denny's
Tops Friendly Markets case study
eHarmony Payments Consultancy testimonial
Work with the payments experts