Reforming Retail

US Real-time Payments are Still An Illusion (Part 2)

Part 1 is here. We can’t think of any business in the world that wouldn’t want instant, digital payments from consumers that didn’t cost an arm and a leg. As proof, look at the adoption curves of UPI and PIX...

The Genius Way to Fix Non-Compliant Surcharges

There are a ton of merchants that violate the arbitrary credit card “rules” promulgated by the card duopolies. And, ironically, there is no less arbitrary enforcement of these arbitrary rules by...

US Real-time Payments are Still An Illusion (Part 1)

While the rest of the world modernizes and enables free, realtime money movement, the US is held back by $187B in annual money-movement taxes, also known as Interchange.  Interchange is the punitive fee...

Acquirers Hold Payment Tokens Hostage. Here Are The Real Rules of Negotiation

Tell us if you’ve heard this before. A merchant goes to review their processing statements. They, of course, can’t read any of it, so they hire someone who can. A learned payments professional takes a glance...

Australia Bans Surcharges Because Banks Have Too Much Power

Australia has a super, super cool surcharge economy. And we’re not just talking about credit card surcharges. In Australia, it’s common for businesses to add surcharges at the slightest...

Your Header Sidebar area is currently empty. Hurry up and add some widgets.