Perspectives: David Fish
Chase Merchant Services – Not the End of Merchant Acquiring
by: David Fish, Mercator Advisory Group
3/8/2013
Though several pundits in the media have been quick to conclude that Visa is entering the merchant acquiring business (again—remember CyberSource?), it just isn’t the case. Though the temptation will always exist to label the card network as the ultimate... Read More >
EMV and the Cost of Implementation (or the Cost of Not)
by: David Fish
1/23/2013
There are certainly a lot of cost concerns on both the issuing side of the payment card space as well as the acceptance side. My colleagues and I here at Mercator Advisory Group have been working on discerning what the... Read More >
NRF’s Big Show Field Report
by: David Fish
1/17/2013
Another year has passed and retailers flush with holiday shopping revenue converged on New York City this past week for the National Retail Federation’s "Big Show." Vendors serving every aspect of the retail space were there in force, demoing products... Read More >
The Issue of Security and Fraud Risk in the Cloud vs. Contactless Mobile Wallet Debate
by: David Fish
12/4/2012
I've had multiple discussions over the course of the last few weeks that revolve around the market's propensity to adopt one or another flavor of mobile payments, mobile wallets, and the various security attributes of each configuration. Of course the... Read More >
Merchant Aggregation – Exploring the Opportunities
by: David Fish
10/12/2012
It’s no secret that merchant aggregators, firms that act as merchants of record for sub merchants, have existed in the payments industry for a long time. After all, eBay has been able to exist as the merchant of record for... Read More >
Point-to-Point Encryption (P2PE) and Seat Belts
by: David Fish
8/27/2012
Since Heartland Payment Systems popularized the concept after the breach of its servers was disclosed in late 2008, the merchant acquiring industry’s adoption of point to point encryption (or “end to end encryption,” as that firm calls it) has been... Read More >
The Global Payments Breach, Media Hype, and the Cost of Fraud
by: David Fish
4/20/2012
It’s been about three weeks since merchant acquiring processor and independent sales organization Global Payments Inc. revealed it suffered a security breach. This came after news of the incident was leaked to Brian Krebs, an information security researcher and blogger.... Read More >
Acquirers: 3 Trends to Track in 2012 (Part 3 of 3)
by: David Fish
3/23/2012
Over the last two weeks, I’ve discussed trends affecting the merchant acquiring space that will serve as the core topics, among others, for Mercator’s merchant acquiring research for the year.In the first post I introduced the series and discussed issues... Read More >
Acquirers: 3 Trends to Track in 2012 (Part 2 of 3)
by: David Fish
3/16/2012
Last week, I discussed the first of three themes that Mercator’s merchant acquiring research will focus on over the course of the year mobility and the implications of mobile plastic card acceptance providers. Please read last week’s entry for the... Read More >
Acquirers: 3 Trends to Track in 2012 (Part 1 of 3)
by: David Fish
3/9/2012
In Mercator’s merchant acquiring coverage over the last few years, we’ve looked at how the industry has shifted focus from traditional business models and revenue streams to the incorporation of value added services and products, as evidenced in many acquirers’... Read More >
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