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Industry News

Signature Debit vs. PIN Debit

By FFS | Oct 1, 2014

There are two different forms of debit cards: Signature Debit (offline) and PIN Debit (online). Debit cards are linked to the customer’s bank account and generally hold both capabilities of being signature and PIN based. Whether you choose “credit” or “debit” at the POS will determine whether it is an online or offline transaction. Signature […]

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Opt Blue American Express Program

By FFS | Aug 26, 2014

Most merchants that accept American Express today have separate statements, settlements, contracts, and acceptance fees from their primary processor. American Express has also historically charged a higher transaction fee to their merchants than Visa or MasterCard.  For these reasons, many merchants have opted to not accept American Express at all at their business, losing out […]

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What is Interchange?

By FFS | Jul 22, 2014

What is interchange? While more and more merchants are becoming familiar with the term “interchange”, some still find it confusing or convoluted when looking at their monthly statements. In the most basic form, interchange stands for the costs of processing and supporting the use of credit cards. Bank card issuers charge merchants this interchange fee […]

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