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Spotlight Innovators
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is preserved, and how card brand rules are navigated. The difference between imitation and innovation is often invisible
to the untrained eye, but in payments, details determine durability.

The market’s embrace of dual pricing validates what MBNCARD recognized early: merchants want control. They want
clarity. They want options that allow them to compete without absorbing ever-increasing costs. What began as a targeted
solution has become mainstream because the economic pressure it addresses is universal.

Building on trust
The next chapter of dual pricing is no longer about proving the concept works. That question has been answered. It is about
protecting the integrity of the model by ensuring that programs are implemented correctly, ethically, and sustainably so
they can withstand regulatory attention and market evolution. MBNCARD continues to lead that effort.

Today, the company’s role extends beyond originator. It serves as educator, compliance advocate, and strategic partner
to ISOs and agents who want to build programs the right way. It remains committed to strengthening documentation,
refining system integrations, and reinforcing the guardrails that safeguard merchants while preserving the credibility of
dual pricing as a category.

This is not the behavior of a company chasing momentum. It is the discipline of a company protecting a legacy. There
is a fundamental difference between offering a product and creating a category. Products can be replicated. Categories
require stewardship.

Protecting your legacy
Dual pricing has moved from disruptive idea to established practice because it solves a real economic challenge. Its long-
term sustainability, however, depends on leadership from those who understand not just how to sell it, but how it was
designed to function.

MBNCARD’s story is no longer just about invention. It is about continuity and accountability. The original concept sparked
a movement. The patent formalized the structure. Early adopters proved its viability. The market amplified its reach.

Now, in an industry crowded with lookalikes and late entrants, the question is no longer whether dual pricing works.
The real question is who merchants and partners trust to implement it properly. In a marketplace where imitation signals
success, leadership is measured not by how many follow, but by who set the standard in the first place and who continues
to uphold it. Being first matters. Protecting what you built matters more. MBNCARD did both and continues to set the
standard for ISOs, merchant-level sales professionals, and the business owners they serve.

Contact: MBNCARD Website: https://www.merchantsbancard.com/

Going global:

Making ecommerce

work for you.

t's a small world, after all — but it's a huge market for consumers. While shopping locally is still a big trend, there
is the ever-growing allure of getting just about anything from anywhere on the planet. So many brands, so many
products, so many dollars … and yen … and euros … Forbes reports that global ecommerce topped $6.3 trillion
I in 2023 — and it's forecast to be more than $8 trillion by 2026. Meanwhile, PayPal found that 57% of the world's
consumers do their shopping with world-wide savvy. Clearly, there is ample opportunity for merchants who go global,
but the move can also have its challenges. From logistics to pricing to payment options — as well as significant cultural
differences — understanding the intricacies of global ecommerce can help you decide if it's right for your business. Each
point on the map comes with preferred payment options, currencies, language, cultural barriers, and logistics. Here are
a few considerations.
Cultural sensitivity.

Being big in your own backyard doesn't always translate to global stardom. What pops in the U.S. may fall flat in Europe.
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