Page 13 – Electronic Payments Coalition

Coalition Letter Opposing Regulation on Debit Interchange

Electronic Payments Coalition February 3, 2022 No Comments

On February 1, 2022, several banking organizations, including a number of EPC members, penned a letter to the Federal Reserve. The letter was in response to the Fed’s recent proposal…

EPC Explainer Video: Interchange 101, the Value of Interchange

Electronic Payments Coalition January 27, 2022 No Comments

Have you ever wondered how credit and debit cards work? The answer is interchange. Interchange fees are an essential part of the electronic payments ecosystem that ensures its functionality. Financial…

Understanding Buy Now, Pay Later

Electronic Payments Coalition January 25, 2022 No Comments

Buy Now, Pay Later (BNPL) is the latest, immensely popular trend within the electronic payments industry, totaling $100 billion worth of domestic purchases in 2021 alone. But despite its growing…

Credit Cards and the Reverse Robin Hood Fallacy: A Primer

Electronic Payments Coalition December 3, 2021 No Comments

The International Center for Law and Economics (ICLE) recently released a study addressing the “Reverse Robin Hood” fallacy, a belief which holds that credit card rewards function as a transfer…

The Value of Rewards: October 2021

Electronic Payments Coalition November 17, 2021 No Comments

Today, the EPC released its report on the value of electronic payments rewards programs. The report illustrates the numerous benefits that credit and debit card rewards offer retailers and consumers…

Credit Cards and the Reverse Robin Hood Fallacy: Do Credit Card Rewards Really Steal from the Poor and Give to the Rich?

Electronic Payments Coalition November 15, 2021 No Comments

Recently, the International Center for Law and Economics (ICLE) published a study analyzing the credit card market and the “Reverse Robin Hood” fallacy—the erroneous belief that credit card rewards programs…

Myth vs. Fact: Setting the Record Straight on Credit and Debit Routing

Electronic Payments Coalition November 12, 2021 No Comments

On October 19, 2021, Payments Dive published an op-ed by Doug Kantor advocating increased government regulation in the electronic payments industry, entitled, “Retailer groups urge credit swipe routing changes.” The…

EPC Q4 2021 Data Dashboard

Electronic Payments Coalition November 10, 2021 No Comments

The EPC released its Q4 2021 Data Dashboard, providing a quarterly update on various metrics related to the electronic payments industry, including card rewards, purchase volume, fraud, interchange, and merchant…

Routing Explained: Credit vs. Debit Networks

Electronic Payments Coalition October 27, 2021 No Comments

Electronic payment routing—whether through debit or credit networks—is a complex process. The merchant, merchant processor, network, and issue processor all play integral roles in authorizing and approving electronic payment transactions.…

Credit Routing Mandates: Retailers Choose, Consumers Lose

Electronic Payments Coalition October 27, 2021 No Comments

Retailers are lobbying for big-government mandates that would give them the power to decide which credit card network your purchase transaction would be routed. These credit routing mandates would prevent…

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Coalition Letter Opposing Regulation on Debit Interchange

EPC Explainer Video: Interchange 101, the Value of Interchange

Understanding Buy Now, Pay Later

Credit Cards and the Reverse Robin Hood Fallacy: A Primer

The Value of Rewards: October 2021

Credit Cards and the Reverse Robin Hood Fallacy: Do Credit Card Rewards Really Steal from the Poor and Give to the Rich?

Myth vs. Fact: Setting the Record Straight on Credit and Debit Routing

EPC Q4 2021 Data Dashboard

Routing Explained: Credit vs. Debit Networks

Credit Routing Mandates: Retailers Choose, Consumers Lose

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