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Stories by Patti Murphy

24:07:01 - Merchants take interchange battle to the states

24:06:02 - Inching away from checks and toward e-payments

24:05:02 - Merchant settlement not a done deal

24:04:01 - AI: A double-edged sword

24:03:02 - The inside scoop on differential pricing

24:03:01 - Insider's report on payments: Making payments faster

24:02:02 - The year ahead in Washington

24:02:01 - Insider's report on payments: Holding Visa to account

24:01:02 - Neobanking – getting ready for prime time

24:01:01 - Does AI have a bubble problem?

23:12:02 - 2023 was a happening year

23:12:01 - Insider's report on payments: Will that be cash, card or pay later?

23:11:02 - Merchant services: it's a family affair

23:11:01 - Payments, a retrospective Insider's report on payments Fed plans debit cap haircut

23:10:01 - Insider's report on payments: Beware the threat of Durbin 2.0

23:09:01 - Old payment methods don't die, they coexist

23:08:01 - The contentious world of merchant fees

23:08:01 - Insider's report on payments: The assault on interchange widens

23:07:02 - The changing point of sale

23:07:01 - Bankcard and beyond

23:06:01 - Insider's report on payments : Card brands agree to lower interchange for some in Canada

23:05:01 - Digital wallets win over ecommerce shoppers

23:05:01 - Americans amp up electronic payments

23:04:02 - Crypto's lingering winter chill

23:04:01 - Block on the hot seat

23:03:02 - Real-time payments coming soon to a bank near you

23:03:01 - Insider's report on payments: Regulatory outlook is mixed bag for BNPL

23:02:02 - Washington hones focus on fintech, payments

23:02:01 - Insider's report on payments: The lowdown on crypto

23:01:01 - Insider's report on payments: 2023 will be big year for instant payments

22:12:02 - Real-time and card payments coexisting - for now

22:12:01 - Insider's report on payments: Consider today’s economic upside

22:11:02 - Integrated payments are here - are ISOs ready?

22:11:01 - Insider's report on payments: Durbin wants credit card routing rules

22:10:01 - Addressing the cannabis conundrum

22:09:02 - Cannabis: a multi-billion-dollar market in limbo

22:09:01 - Insider's report on payments: Getting ready for Durbin redux

22:08:02 - Unlocking data to drive sales, merchant retention

22:08:01 - Electronic payments displacing checks

22:07:02 - Getting a handle on an economy in transition

22:07:01 - Insider's report on payments: The 'Great Allocation' in digital payments begins

22:06:01 - Insider's report on payments: In-store payments get personal

22:05:02 - Lawmakers eye fixes for ‘broken’ card system

22:05:01 - Will Visa kill cash discounting?

22:04:02 - Interchange adjustments are a mixed bag

22:04:01 - Insider's report on payments: A pitch for pitching micro merchants

22:03:02 - Tax credit or tax bite - which regs apply to you?

22:03:01 - Interchange under attack, again

22:02:02 - Cash, credit or crypto?

22:02:01 - Blockchain, cryptocurrency moving into mainstream

22:01:02 - CNP, ACH payments gain - crypto too

22:01:01 - Insider's report on payments: Scrutinizing big tech in consumer payments

21:12:01 - Insider’s report on payments : Going postal on financial services

21:11:02 - Tis the season for shopping

21:11:01 - Bringing crypto to the masses

21:10:02 - Changing payments landscape brought about by COVID

21:10:01 - Gift cards: the gift that keeps on giving

21:09:02 - Gift cards: an all-around good value prop

21:09:01 - Debit routing debate portends more industry scrutiny

21:08:02 - Cash discounting, surcharging go mainstream

21:08:01 - Omnichannel is no flash in the pan

21:07:02 - Rising chargebacks loom over industry

21:07:01 - A coming of age for real-time payments

21:06:01 - Are crypto payments in the cards?

21:05:02 - Open banking and the changing payments landscape

21:05:01 - Getting real about faster payments

21:04:01 - Insider's report on payments: Interchange in the crosshairs

21:03:02 - Data privacy protection takes center stage

21:03:01 - COVID spurs strong ACH gains, P2P big driver

21:02:02 - The EMV opportunity: getting gas stations up to speed

21:02:01 - U.S. unbanked numbers falling

21:01:02 - Washington outlook for 2021

21:01:01 - Insider's report on payments: A new payments landscape

20:12:01 - Insider's report on payments: Ecommerce takes center stage

20:11:02 - Savvy adaptation, potential stimulus brighten outlook

20:11:01 - Crises usher in new payment preferences

20:10:02 - PayPal pushes QR codes for contactless payments

20:07:01 - Now is a good time to compete with Square

20:06:02 - COVID-19 driving debit card, contactless payments

20:06:01 - Fraud in a time of COVID-19

20:05:02 - ISOs, MLSs rise to COVID-19 challenges

20:05:01 - Deadline looms for pay-at-pump EMV compliance

20:04:02 - Payments companies step up to help amid COVID-19 crisis

20:04:01 - Coronavirus: assessing the impact

20:03:02 - Chargebacks: a costly, voracious threat

20:03:01 - Old meets new with BEC cash-outs

20:02:02 - Getting real about faster payments

20:02:01 - Check usage down; ACH, card payments up

20:01:02 - The continuing evolution of payments

20:01:01 - A look ahead: cash discounts, faster payments, mobile

19:12:01 - Mobile payments made great strides in 2019

19:11:02 - Outlook brightens for cannabis banking

19:11:01 - Multiple ways to help merchants through natural disasters

19:10:02 - Prepaid card offerings are a win-win

19:10:01 - A brief history of modern payments

19:09:02 - It's beginning to look like a good holiday season

19:09:01 - Moving toward faster payments, slowly

19:08:02 - Moving toward a more diverse industry

19:08:01 - ATMs and debit cards 50 years on

19:07:02 - Growing portfolios with new markets, product opportunities

19:07:01 - Facebook's cryptocurrency play faces trust challenges

19:06:02 - Cybercriminals scoring deeper, wider, faster

19:06:01 - Are stars aligning for contactless payments?

19:05:02 - Faster payments landscape emerging

19:05:01 - Cash is cool but losing its luster

19:04:02 - Understanding the fine print

19:04:01 - Instant funding: next big trend in merchant services?

19:03:01 - Of cash and cash discounting

19:02:02 - Government shutdown imperils spending, growth

19:02:01 - Getting everyone on board with tokenization

19:01:01 - Looking back on 2018 and forward to 2019

18:12:02 - 2018 - Year in review

18:12:01 - Cash discounting will give way to surcharging

18:11:02 - Serving cannabis businesses: an $11 billion conundrum

18:11:01 - Electronic payments grow, as do fraud rates

18:10:01 - Paying for convenience

18:09:02 - Cryptocurrency appeal growing among merchants, processors

18:09:01 - Is cash discounting next big wave in merchant services?

18:08:01 - Insider's report on payments: Challenging payments status quo not for faint of heart

18:07:02 - P2P payments growth portends future market opportunities

18:07:01 - Cashless and cashier-less: a revolution in the making?

18:06:02 - Cracking the B2B payments nut

18:06:01 - Visa, Mastercard aim to accelerate B2B card payments

18:05:02 - Open banking: change is coming, slowly

18:05:01 - Gauging gains in ACH, faster payments

18:04:01 - Cracking the merchant retention nut

18:03:02 - Cracking the merchant retention nut

18:03:01 - Prepaid debit going mainstream

18:02:02 - Mobile centricity and the retail experience

18:02:01 - Banking, electronic payments elude legal cannabis businesses

18:01:02 - Out with plastic, in with devices: A new era in payments dawns

18:01:01 - CFPB back-peddles on prepaid rule

17:12:01 - Don't let card fraud spoil holiday cheer

17:12:01 - Legal pot sales: a multibillion-dollar market in limbo

17:11:01 - Payfacs need merchant acquirers and vice versa

17:10:01 - Data security should be national priority

17:09:02 - New approaches to vertical markets: Think horizontally

17:09:01 - Legal pot sales: a cardless boom

17:08:02 - Fintechs: friends or foes?

17:08:01 - Road to faster payments is still a work in progress

17:07:01 - Getting serious about fighting fraud

17:06:01 - Fed addresses e-checks, RDC duplicates

17:05:02 - CFPB, Durbin Amendment in the crosshairs

17:05:01 - ACH volume tops 25 billion, faster payments advance

17:04:01 - Interchange challenges create need for payments experts

17:03:02 - Global digital payments beckon

17:03:01 - Consumers trust bank security, regulators not so much

17:02:02 - Progress on the long road to faster payments

17:02:01 - Mobile and the democratization of banking, payments

17:01:02 - Talking the talk

17:01:01 - Fed updates payments data

16:12:02 - 2016: An action-packed year for payments

16:12:01 - The travails of chip and debit cards

16:11:02 - Non-payment mobile options popular this holiday season

16:11:01 - Fewer Americans unbanked;more using prepaid cards

16:10:02 - CFPB, prepaid companies both dealt blows

16:10:01 - Same-day ACH and faster payment

16:09:02 - Drive retail business with augmented reality - think Pokémon Go

16:09:01 - No cash? No checks? Nonsense.

16:08:02 - CNP fraud: Evolving strategies for an evolving market

16:08:01 - Mastercard and Visa strategies, disintermediation

16:07:02 - Visa and Mastercard at 50: Evolving in evolving market

16:07:01 - CFPB targets payday lenders: What's next?

16:06:01 - Email-related fraud threats grow

16:05:02 - Disrupting the disruptors in payments and banking

16:05:01 - Beating the payment fraud carnie game

16:04:02 - The shifting landscape of merchant acquiring

16:04:01 - Building a case for RDC check services

16:03:02 - Getting real about payments

16:03:01 - CFPB takes on prepaid cards, overdrafts, payday loans

16:02:02 - Compliance: a costly, multi-headed monster

16:02:01 - Expanding possibilities with pocket banking

16:01:02 - EMV, four months on

16:01:01 - Online, mobile gaining on brick and mortar

15:12:02 - 2015 in review

15:12:01 - Including checks in payments modernization

15:11:02 - Congress takes on security, privacy, pot, CFPB

15:11:01 - Growth ahead for payments, but beware the disruptors

15:11:01 - Mobile deposit continues to grow, despite naysayers

15:10:01 - Insider's report on payments: Let's have some respect for checks

15:09:02 - Patent infringement claims muddy waters of innovation

15:09:01 - EMV is coming along, slowly

15:08:02 - Checks have staying power, paper not so much

15:08:01 - Insider's report on payments: Fighting online scammers

15:07:01 - Insider's report on payments: EMV and the law of unintended consequences

15:06:02 - Battle over interchange spreads

15:06:01 - Insider's report on payments: Going cashless sounds like nonsense

15:05:02 - Healthcare, the next big market for electronic payments

15:05:01 - Bank account ownership expands worldwide

15:04:01 - NACHA seeks seat at mobile payments tabl

15:03:02 - Fed looks to online real-time payments, eventually

15:03:01 - Remote capture is for more than just checks

15:02:01 - Washington becomes a prepaid buzz kill

15:01:01 - Banking outside the box

14:12:01 - Prepaid cards get regulatory upgrade

14:11:01 - Mobile wallets: not quite ready for prime time

14:10:02 - Checks 'don't get no respect'

14:10:01 - Prepaid debit wins over newly affluent

14:09:01 - Cash is not dead

14:08:01 - EMV alone is not enough, retailers push for tokenization

14:07:01 - Should prepaid companies be regulated like banks?

14:06:01 - EMV is coming, but when, and is it really necessary?

14:05:01 - Will easy money flow to acquirers and ISOs?

14:04:02 - Is same-day ACH in the cards?

14:03:02 - Checks can still rival cards

14:02:02 - Leading the charge on card data security

14:01:02 - Scrutinizing the Fed's payments data

13:12:02 - Payments 2013: Abuzz with bitcoin, mobile and prepaid

13:12:02 - Multichannel shopping, payments struggle

13:11:02 - It'll be a slow rise for mobile payments

13:10:02 - Long live checks

13:08:02 - Bitcoin - viable currency or flash in the pan?

13:08:02 - No doomsday for debit despite Durbin decision

13:08:01 - Different sales cultures are obstacles for most but not all

13:07:02 - With prepaid debit gains, it's a mixed bag

13:06:02 - What's in a name?

13:05:02 - Electronic billing and payments: green and cool

13:04:02 - Fed report shows mobile adoption soaring

13:03:02 - No changes in line for debit caps

13:02:02 - Are your merchants surcharging card customers?

13:01:02 - Is prepaid usage a valid measure of banking status?

12:12:02 - The confusing state of mobile

12:11:02 - Consumer payments in a connected age

12:10:02 - Is there a kiosk in your pocket?

12:10:01 - Banks underserve the underbanked - AFS providers step in

12:09:02 - Long live the check

12:09:02 - Check fraud is the problem, RDC is a solution

12:08:02 - What's still in your wallet?

12:07:02 - When mobile meets RDC

12:06:02 - Prepaid industry rewrites Washington playbook

12:05:02 - Microfinace News

12:05:02 - ACH and the POS: Not necessarily made for each other

12:04:02 - Has payment fraud become SOP?

12:03:02 - Micropayments are no small matter

12:02:02 - Shop small, shop local

12:01:02 - Prepaid opportunities ahead

12:01:01 - Highlights from Inside Microfinance

11:12:02 - Thinking outside the bank

11:11:02 - 2012: The year mobile payments go mainstream?

11:10:02 - Underbanked in America

11:10:02 - Merchants lack focus, fraud eats profits

11:09:02 - Square: Passing fad or market changer?

11:09:02 - Debit after Durbin

11:08:02 - Banks counseled to meet the underserved

11:08:02 - Checks: Like the Energizer Bunny, they just keep going

11:08:01 - Durbin, a mixed bag

11:07:02 - The unbanked: Banks are ceding billions in potential revenues

11:07:01 - Industry self-policing: A lofty goal?

11:07:01 - Wal-Mart wants to bank the underserved

11:07:01 - Microfinance and profits

11:06:02 - Data breaches renew privacy concerns

11:05:02 - Mobilizing banking's payment franchise

11:04:02 - ACH finds volume in consumer apps

11:04:01 - Payment fraud, rising to the challenge

11:03:02 - New card fee rules could swell ranks of America's unbanked

11:03:02 - VeriFone, Square and the market

11:03:01 - Congress, Fed pressured to reconsider interchange caps

11:02:02 - Bold steps needed on fraud front

11:02:01 - Securing a place for EMV in the USA

11:01:02 - Dodd-Frank repeal unlikely, interchange changes possible

10:12:02 - Checks give way to debit cards

10:12:01 - Visa pushing prepaid cards for undeserved

10:11:02 - A look at this season's payment data

10:10:02 - Interchange: Matching loyalties and realities

10:09:02 - Cash still standing its ground

10:09:01 - The United States of microfinance

10:08:02 - ISOs, MLSs and financial services re-regulation

10:07:02 - Securing a place for electronic payments

10:07:01 - Doing business in the mobile channel

10:06:02 - Could the future of micropayments be Square?

10:05:02 - Deregulation, regulation and you

10:05:01 - Creating a place for checks at the electronic payments table

10:04:02 - ACH grows, B2B payments plod along

10:03:02 - Are banks losing grip on payments?

10:02:02 - Debit rules and other musings

10:02:01 - Do banking silos hinder fraud prevention?

10:01:02 - Prepaid opportunity: Huge and growing

09:12:02 - Unbanked + underbanked Americans top 60 million

09:12:02 - Reaching the unbanked

09:12:01 - Uncle Sam's finger in the payment pie: A legislative update

09:11:02 - Regulatory reforms loom

09:11:01 - Wal-Mart and the unbanked

09:10:02 - War of words over interchange heats up

09:09:02 - Summer musings on interchange

09:08:02 - Expanding options through microfinance

09:08:02 - Financially strapped boost payment alternatives

09:07:02 - The cards, they are a changin'

09:06:02 - Interchange debate rages on

09:05:02 - Use checks to open new verticals

09:04:02 - Social networking's impact on payments

09:04:01 - Legislative outlook:
Some clouds but no rain

09:03:02 - Regulation, deregulation, self-regulation

09:02:02 - Coming in from the cold at NEAA

09:01:02 - Change, the economy's enduring fuel

08:12:02 - What history teaches about change

08:12:01 - Consumers' new mantra: Shop smart

08:10:02 - Making cents of financial turbulence

08:09:02 - Banking on mobile

08:09:01 - Interchange: What gives?

08:08:02 - Banking on generational changes

08:07:02 - Approaching a crossroads

08:06:02 - Honoring early mavericks

08:05:02 - All signs point to RDC

08:04:02 - Going green ain't always cheap

08:02:02 - Cool not enough to propel contactless

08:01:02 - Interchange debate a wake-up call

07:12:02 - Rock, paper, electronics

07:12:01 - Transformation: Checks in the 21st century

07:11:02 - Art imitates life or does life imitate art?

07:10:02 - The assault on interchange widens

07:09:02 - Fewer checks, faster process

07:08:02 - Knock fraudsters down with knowledge

07:07:02 - Merchant cash advance companies on the offensive

07:06:02 - PayPal: 21st century cash

07:05:02 - Payments: A very large space

07:04:02 - TJX turbulence: Time to board the PCI ship



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