Summary of Card Brand Changes Effective January 2025 Typically, twice a year – in April and October – Visa, Mastercard, Discover, and AmEx release updates to their programs and fee structures. However, the card brands have adjusted their approach to now present some fee changes made at other times of...

In Brief: The decision to implement credit card surcharging requires careful consideration. Businesses must follow key regulations, such as limits on surcharge percentages, state-specific bans, and mandatory customer notifications, while offering steps to ensure compliance. Additionally, there are critical questions to evaluate, including the potential impact on customer spending and...

Chargebacks are a common source of frustration for retail and ecommerce merchants. Initially, chargebacks were created to protect consumers from credit card fraud and merchant error. While they still serve that purpose, chargebacks are increasingly misused, costing merchants time, money, and resources.

In the age of digital commerce and electronic payment methods, retailers and other businesses routinely handle and store sensitive customer data. As such, these businesses are responsible for keeping that information secure by protecting customers and themselves from data breaches. Payment Card Industry (PCI) compliance is a set of security...