Credit card surcharges have become a familiar sight at restaurants, service businesses, and retail counters. For merchants facing rising costs and processing fees, it’s easy to see why: instead of absorbing the entire credit card swipe fee, pass some of it to the customer who chooses to use one. Simple enough, until the lawyers get […]
A customer taps their card, the receipt prints, and the line moves. Nobody thinks twice about it. But behind that five-second transaction, the card number passes through a terminal, a POS system, a gateway, a processor, some logs, maybe a backup file. Every handoff is a place that data might be protected, stored, or exposed. […]
A growing wave of state laws is telling merchants that “digital-first” and “cashless” aren’t the same thing. Walk into a bodega in Buffalo and try to pay for your sandwich with a $20 bill. A few years ago, plenty of stores, avoiding the headaches and hygiene of cash payment, might have pointed you toward the […]
A few years ago, artificial intelligence in the payments space was mostly a back-office story. Fraud models. Risk scores. A little automation in customer service. Useful for sure, but invisible to most merchants and cardholders. That’s no longer the case. In the past two years, AI has moved from a quiet efficiency tool to a […]