Banks slash retailers' debit card fees - May. 3, 2012
May 3, 2012 . With every swipe of a customer's debit card, small businesses and . The Durbin Amendment has succeeded in driving down debit card fees merchants must pay, but . The fees Visa (V, Fortune 500), MasterCard (MA, Fortune 500), . credit card companies agreed to charge them transaction fees lower .
http://money.cnn.com/2012/05/03/smallbusiness/retailers-debit-cards/index.htm

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Debit vs Credit Card Charge Calculator
Jul 16, 2012 . See the difference between debit card or credit card charges with this debit vs credit charge calculator. . IRS Merchant Reporting 6050w ? .
http://www.cardfellow.com/blog/debit-card-credit-card-difference-charges/

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Merchants Consider Credit Card Surcharges or Cash Discounts ...
Jul 16, 2012 . Merchants Considering Credit Card Surcharges . and give discounts for those paying with cash, debit cards or low-frills credit cards that cost .
http://www.nytimes.com/2012/07/17/business/merchants-consider-credit-card-surcharges-or-cash-discounts.html

What you should know about Debit Card ... - Merchant Warehouse
May 31, 2012 . As far as the merchant is concerned, there is no difference in the way a credit card or an off-line debit card is processed. The one thing .
http://merchantwarehouse.com/debit-card-processing

What are the implications of accepting debit cards versus credit cards
Debit vs. Credit. More and more consumers are using debit cards, rather than . The merchant's decision to offer debit and/or credit must take into account the .
http://wiki.answers.com/Q/What_are_the_implications_of_accepting_debit_cards_versus_credit_cards

New Rules on Electronic Payments Lower Costs for Retailers | BCP ...
If your business accepts payment by credit or debit card, some new rules of the . Sometimes, the merchant or the acquirer may use a third-party processor for .
http://business.ftc.gov/documents/bus78-new-rules-electronic-payments-lower-costs-retailers

Price of Using Credit Cards Going Up? Merchants May Get ...
Jul 9, 2012 . Merchants pay transaction fees on each card swipe. . That ban is expected to be eliminated or altered, though, under a potential settlement of . the practice would help defray their costs for accepting credit and debit cards.
http://online.wsj.com/article/SB10001424052702304022004577516613196796338.html

Debit Cards vs. Credit Cards - Personal Finance Tips from Bank of ...
Whether you use the debit or credit option, all purchases made with your debit card are withdrawn directly from your account. Note: Since merchants often pay a .
http://learn.bankofamerica.com/articles/managing-credit/debit-cards-vs-credit-cards.html

What is the Difference Between a Debit Card and a Credit Card?
Debit cards and credit cards are accepted at the same places. . A credit card is a card that allows you to borrow money in small amounts at local merchants. . you needed a credit card to complete certain transactions such as rent a car or to .
http://moneyfor20s.about.com/od/managingyouraccounts/f/credit_debit.htm

Invisible credit card 'swipe fees' may still raise prices - Los Angeles ...
Jul 17, 2012 . Now that retailers have made the peace with credit card companies, allowing . " A lot of merchants will consider it a cost of doing business and will raise all . whether a discount is available if you pay with cash or a debit card.
http://articles.latimes.com/2012/jul/17/business/la-fi-lazarus-20120717

Debit Cards vs Credit Cards - Which is the Preferred Merchant ...
Get free advice on some differences between debit cards vs credit cards and free request for quote service from the industry's leading online .
http://www.buyerzone.com/retail/credit-card-processing/ar-debit-vs-credit/

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Debit Card and Credit Card Processing at BB&T
Most customers have at least one debit card or credit card and expect the option to . Online account access—Merchant Connection puts your processing data at .
http://www.bbt.com/business/products/merchant-services/card-processing.html

Debit vs. credit card: The battle is on for your wallet
Nov 29, 2011 . Merchants and bankers are competing to steer you to use the card that's most profitable . Will you be paying with a debit card or a credit card?
http://www.creditcards.com/credit-card-news/debit_card-versus-credit_card-retailers-bankers-payment-choices-1271.php

ATM Debit Cards
Apr 6, 1997 . Here's why: More merchants have credit card readers than PIN-based . and the merchants doesn't need to worry about bounced check risks or .
http://www.pirg.org/consumer/banks/debit/fact.htm

Battle over debit card swipe fees goes on – USATODAY.com
May 10, 2012 . Retailers are paying much less in debit card fees since the swipe fee cap rule . for customers who pay with cash or a debit card instead of a credit card. . to the Merchants Payments Coalition, show that all four retailers saw a .
http://www.usatoday.com/money/perfi/credit/story/2012-05-10/credit-debit-card-swipe-fees-retailers-banks/54889030/1

Credit and Debit Card Processing
Merchant Payment Services > Credit and Debit Card Processing . can be used at ATMs to withdraw cash, make deposits or perform other banking functions.
http://www.usbank.com/cgi_w/cfm/small_business/products_and_services/merchant_payment/credit_debit_process_ps.cfm

Visa and Mastercard agree to let merchants charge you a fee for ...
Jul 14, 2012 . If you pay with a credit card, you may soon be charged an additional fee for . merchants adding a credit card surcharge or charging customers more . to switch to a debit card, cash or check rather than pay 1% to 2% extra for .
http://jillcataldo.com/node/22360

Credit Card Chargebacks: Your Secret Weapon in Merchant Disputes
Jul 31, 2012 . But perhaps the best thing about paying with a credit card is that in the event of a . If you didn't receive the goods you ordered or you feel otherwise wronged by the . The problem is if you have a credit/debit card, all in one.
http://www.dailyfinance.com/2012/07/31/credit-card-chargeback-merchant-disputes/

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Comments | 2 Responses

  • The Durbin Amendment Explained
    Definition: What is the Durbin Amendment? When you use your debit, credit or prepaid card at a store, the merchant has to pay an interchange, or “swipe,” fee.
    http://www.nerdwallet.com/blog/banking/durbin-amendment-explained/

    Authorization hold - Wikipedia, the free encyclopedia
    Signature-based (non-PIN-based) credit and debit card transactions are a two- step . the credit card terminal connects to the merchant's acquirer, or credit card .
    http://en.wikipedia.org/wiki/Authorization_hold

  • Merchant Services: PIN Debit vs. Swipe Debit
    Nov 11, 2011 . These cards are hybrids and can work as either a credit card or a debit card when used in a transaction. A merchant account allows a merchant .
    https://www.hostmerchantservices.com/2011/11/merchant-services-pin-debit-vs-swipe-debit/

    InfoMerchant - Debit Card Processing -(Merchant Account Services)
    It is much easier to use debit cards vs. checks because the funds are directly . The Merchants will love you for using your debit card rather then your credit card, .
    http://www.infomerchant.net/debitcardprocessing/debit_card_processing.html

    Learn More About Merchant Accounts to Take Credit Card Payments ...
    Choose a Merchant Account to Accept Credit Card Payments Online . more if they can use their credit cards instead of paying with cash or checks, studies show. . You can accept all major credit and debit cards, including Visa, MasterCard, .
    http://www.networksolutions.com/merchant-accounts/merchant-services-learn-more.jsp

    Credit Card Processing, Merchant Services, Merchant Account ...
    . company. Open a merchant services account, accept credit card payments & get great rates. . Accept debit and credit card payments effectively and securely .
    https://www.chasepaymentech.com/

    FAQ – Google Wallet
    Linked credit or debit card credentials are not locally stored on the phone, but . merchant for payment, and then charges your selected credit or debit card for .
    http://www.google.com/wallet/faq.html

    Interchange fee - Wikipedia, the free encyclopedia
    In a credit card or debit card transaction, the card-issuing bank in a payment . the acquiring bank that handles a credit or debit card transaction for a merchant.
    http://en.wikipedia.org/wiki/Interchange_fee

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Visa Warns Consumers about Retailer Checkout Fees | Merchants ...
A checkout fee, or payment card surcharge, is an unfair surprise fee that a retailer tacks onto a consumer's bill when he or she uses a credit or debit card.
http://usa.visa.com/merchants/operations/checkoutfees.html

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Financial Guide: MERCHANT CREDIT CARD ABUSES: What They ...
. card? When you pay by personal check, does the clerk ask for two forms of . When a merchant gives a credit card slip to the credit card company or bank for .
http://fso.cpasitesolutions.com/premium/le/06_le_ic/fg/fg-merchants.html

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Credit Card Settlement May Side-Swipe Consumers - TheStreet
Jul 18, 2012 . A deal between merchants and credit card companies may lead to . called an interchange or swipe fee, every time a credit card or debit card is .
http://www.thestreet.com/story/11621594/1/credit-card-settlement-may-side-swipe-consumers.html

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