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PCI DSS 4.0.1: What Every Business Needs to Know
After a phased roll-out starting in 2022, the Payment Card Industry Data Security Standard (PCI DSS) version 4.0 was retired in December 2024 and replaced with PCI 4.0.1. This update did not introduce new requirements from 4.0 but instead focused on clarifying existing requirements, correcting minor errors, and improving the...
Security
Will AI be a Hero or Villain in the Push for Better Payment Security?
AI is a double-edged sword in the fight for better payment security. It has the capacity to better arm cybersecurity teams in combatting fraudulent activity as well as allow cyber criminals to create more efficient attacks.
Security
Surcharging vs. Cash Discounting: Which Model Is Right for Your Business?
The good news for merchants looking for payment acceptance savings is that there are effective strategies for offsetting those costs. Two particularly popular methods are credit card surcharging and cash discounting. Both can help merchants realize valuable cost savings.
Merchant Payments
Embedded Payments
How Tailored Payments Are Transforming Businesses
In the fast-paced world of commerce, personalization has become a key piece of customer engagement. From tailored marketing campaigns to customized product recommendations, businesses continue to focus on creating experiences that resonate with individual customers. But one area that often gets overlooked in the personalization journey is payment processing.
Merchant Payments
Recent Visa Update Makes Signature Panels Entirely Optional
Back in 2020, Visa made the first step toward removing the signature requirement for customers making purchases with their credit card. At the time, the big change was that merchants did not need the customer to sign anything at the time of purchase. Now they’re taking this one step further....
Merchant Payments
April 2025 Interchange and Network Fee Updates
Twice a year – in April and October – Visa, Mastercard, Discover, and AmEx release updates to their programs and fee structures. For your convenience, below is a summary of the changes that will have the most impact on merchants.
Merchant Payments
Embedded Payments
What is the Technology Upgrade Fee on My Payment Processing Statement?
Customers of Heartland Payment Systems were recently surprised to learn a Technology Upgrade fee will be applied to their April credit card processing invoice. This is another fee in a list of price increases and added fees Heartland customers have incurred in recent months.
Merchant Payments