Changes in the Card payment game in the US
What: A pretty long article summing up what is going on in the US when it comes to card payment processors and fees.
Why it is important: Visa and Mastercard are very well alive.
This report is technical and extensively reviews the following topics:
- It compares Signature vs. PIN debit networks, including some context on market structure and potential savings for merchants from online debit routing;
- It review the ‘Network tokenization’ — the ultimate siren song of Visa and Mastercard — and discuss why it was an unsuccessful strategy to stave off competition.
- Finally, it also discussed why large merchants and the old school merchant acquiring giants are the big winners here.
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