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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.…
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Myth vs. Fact: Rewards Credit Cards

Electronic Payments Coalition October 8, 2021 No Comments
There are several myths surrounding the use issue of rewards credit cards, illustrated in Emily Stewart’s piece, “The Ugly Truth Behind Your Fancy Rewards Credit Card.” Addressed below are several…
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The Cost of the Durbin Amendment

Electronic Payments Coalition August 9, 2021 No Comments
The Durbin Amendment, passed as part of Dodd-Frank in 2010, established a government-imposed price control on interchange fees for debit cards. This cap has resulted in a massive transfer of…
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Interchange and Small Businesses

Electronic Payments Coalition July 26, 2021 No Comments
Some retail industry groups like to claim that interchange fees are one of the highest costs facing small businesses. This claim, however, is false. The report below analyzes the costs…
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Overview of Interchange and Its Value

Electronic Payments Coalition June 16, 2021 No Comments
Today, EPC released a new resource that explains what interchange is and how it works, and highlights the overall value it brings to the electronic payments system, including consumers and…
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Electronic Payments Coalition
We are the credit unions, community banks, payment card networks, and institutions who support the backbone of our economic system: electronic payments.
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Electronic Payments Coalition

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