Reforming Retail

Why Every Merchant Should Cash Discount at Least 10%

You know how long retailers have been engaged in a class action against the duopoloists Visa and Mastercard? 20 years. And you know what the initial ruling was? A one-sided pile of horsesh*t that guaranteed...

Moneris Sale Taps Jeff Sloan, But AI Now Easily Replaces Sloan’s Creative “Value”

Payments is just a merry-go-round. Same people. Same playbook. Same outcomes. And boy are we here for it. Two large Canadian banks (RBC and BMO) are divesting Moneris, the leading Canadian processor. Canada...

This Legal Case Just Determined The Future of Embedded Payments

Payments pricing doubled. Nobody told us this would happen. Moving softwares is like changing artificial hearts: can in theory, but it’s not practical, and my software knows it. I was on a trial. The...

What The Global Payments RIF Reveals about The State of Legacy Payments

Global Payments acquired Worldpay, which was a fantastic quick flip for GTCR who basically doubled their money in two years. Achieving that outcome on businesses the size of Worldpay means somebody got...

Another Toast Rate Increase, And A Merchant’s Way Out

Toast has built a great company but the markets aren’t rewarding their performance. Which makes us wonder how much this explains Toast’s latest rate increase. Look, payments are perfectly indexed...

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