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73rd NPECA Annual Conference – What is alternative payment

There are at least two possible ways to answer the question; “What is alternative payment?” one practical, one academic. Practically, any payment solution that is not MasterCard or Visa is alterative...

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The Final Frontier: the death of cash as a payment and the merchant’s role in...

MasterCard and Visa have identified the enemy; CASH! They have devised the final battle plan, the pre-paid reloaded card. VISA’ ReadyLink and MasterCard’s various solutions including a Wal-Mart payroll...

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Does regulated debit “Swipe Fees” mean the end of cobranded debit card programs?

Retailers choosing “open-loop” or “closed-loop” alternative payment system might want to consider the long term viability of the open-loop business model, particularly in light of their campaign to...

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“Reasonable and proportional”, is issuance and the cost of reward programs a...

Lost in the debate over interchange fees and the Durbin amendment is a focus on how payment card products reach the consumer. One of the key points of the amendment is to mandate that the interchange...

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Debit or Credit, the role of merchant-issued rewards and the consumer’s...

On December 16, 2010 the fog began to lift on where Section 1075 of the Durbin Amendment would lead as the Federal Reserve Board issued its proposed interpretation of the legislative language. One...

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Who gets to choose? Durbin’s provision on “multi-homing” and the prohibition...

Here is the question:  When considering Durbin’s requirement prohibiting exclusive debit transaction routing arrangements, does the merchant or issuer choose which second unaffiliated network is...

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Durbin’s Catch -22, Merchant Issued Rewards.

Merchants have won a battle, but the question is: can they leverage the advantage and win the war for the consumer’s method of payment? The phrase “Catch-22″ means “a no-win situation” or “a double...

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New Bank fees set the stage for Merchant Issued Debit and Rewards.

The stage is set for an epic battle between the merchant community and the financial industry to win the consumers method of payment (MOP).  This week, BoA joined the list of financial institutions...

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The MasterCard/Visa settlement; an alternative point of view.

Opportunities are often difficult to recognize and they do not come with their values stamped upon them. It is often hard to distinguish between easy choices and those of opportunity; such may be the...

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The Battle of the Titans continues as NACS squares off with the ETA over...

Greek Mythology and the payments industry seem to have a lot in common. There’s something similar about CVS and Rite Aids decision not to accept Apple Pay that reminds me of when “Cronus attacked...

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