As consumers, we’re all aware of the changes that have taken place in the retail world when it comes to our everyday shopping experiences. We’ve experienced these changes firsthand. To compete with companies such as Amazon, merchants need to offer a...

Software developers with solutions that intersect with the world of payment processing know that business can be fun, exciting, and lucrative, but it comes at a cost of having to keep pace with complex ever-changing market conditions in the paym...

The latest EMVCo numbers were published just before the New Year. While the latest numbers only reflect transactions up to June 2016, they tell a compelling story about how far the United States still needs to go before EMV becomes mainstream. The r...

In my previous post, we discussed the confusion created by the various payment-related products, apps, and services that have come to market in the past few years. Despite the major players in the industry working to create the ultimate payment metho...

I was recently at a restaurant just outside of London with my wife and when we got to the usual payment experience, we sat and waited… and waited. While this experience can be better or worse in different areas of the world, there’s plenty of room f...

Over the past few weeks, we’ve been discussing EMV adoption within the United States. Specifically, what’s driving adoption, what’s slowing it down, and how the card schemes are creating enhancements to speed up chip-based transactions. Not a day go...

One of the most common complaints we hear about EMV is the lengthy transaction times compared with standard swipes. While it’s easy to dismiss these complaints, it’s true that, in retail settings, keeping customers happy and moving through the checko...

Last week we discussed the current state of EMV adoption in the United States. Today, more than a year past the original October 2015 liability shift, there is still plenty of work to be done. Confusion over the best course of action still lingers am...

Despite being more than a year past the U.S. EMV liability shift, there’s still much work to be done. Depending on which organization you choose to believe, with an estimated 7 to 8 million merchants and approximately 16 million payment terminals, th...