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News
Debit Is Becoming Gen Z???s Money Management App
9+ hour, 35+ min ago (254+ words) Debit cards are a daily financial control panel for many Generation Z consumers, which gives banks a new way to compete for loyalty. The PYMNTS Intelligence tracker “The Incremental Imperative: Why Debit Innovation Is the New Standard for Cardholder Loyalty,…...
Seventh Circuit Resets Illinois Swipe-Fee Fight as July 1 Deadline Looms
3+ mon, 4+ day ago (228+ words) The legal fight over Illinois’ first-in-the-nation swipe fee law is headed back to federal district court. The case stems from U.S. District Judge Virginia Kendall’s February ruling in Illinois Bankers Association v. Raoul. The American Bankers Association, Illinois Bankers Association,…...
Commercial Cards Put Float Back on the Table
3+ mon, 1+ week ago (787+ words) Buyer-funded B2B card payments are transforming AP by allowing buyers to extend payment timelines, preserve liquidity and optimize working capital. Although buyers absorb transaction fees, these costs act as a “lever” by helping companies unlock liquidity without increasing debt while improving…...
The Old-School Card Product Banks May Need Most
3+ mon, 3+ week ago (733+ words) Secured credit cards have never had the glamour their more luxury and premium card cousins command. Traditionally, they haven’t had much glamour at all. Secured credit cards have long been tools of necessity, not lifestyle strategy, designed for borrowers with…...
Australia Imposes Ban on Debit and Credit Card Surcharges
4+ mon, 1+ week ago (455+ words) Australia’s central bank will prohibit surcharges on debit and credit cards starting in October. The Reserve Bank of Australia (RBA) announced its plans Tuesday (March 31), along with its intention to lower the cap on credit card interchange fees merchants pay…...
BNPL Shifts to Cards and Wallets for New Growth
5+ mon, 2+ day ago (439+ words) Buy now, pay later has been hitting an adoption wall, and could be losing momentum with the critical Gen Z and millennial age groups. The recent holiday shopping season tells a lot about BNPL’s struggles. PYMNTS Intelligence survey data shows…...
Card Surcharges Turn Checkout Into a Loyalty Test as Shoppers Push Back
5+ mon, 3+ week ago (1058+ words) More merchants are adding 3% to 4% credit card fees to recover acceptance costs, but the practice is increasingly triggering consumer frustration and social backlash. Research suggests fees may protect margin on completed sales while also causing cancellations and prompting shoppers to…...
Illinois Swipe Fee Law Upheld by Federal Court
6+ mon, 2+ day ago (494+ words) An Illinois ban on card interchange fees for taxes and tips has survived a court challenge. The U.S. District Court for the Northern District of Illinois Eastern Division on Tuesday (Feb. 10) sided against a group of financial services organizations which had…...
Nearly 3 in 4 Premium Cardholders Used a Card-Linked Offer in the Past Year
6+ mon, 3+ day ago (298+ words) Consumers who pay the most for their credit cards turn out to be the ones least likely to ignore them. Just 3.9% of premium cardholders report rarely or never using their high-fee plastic, making them the most loyal segment in the…...
Pay by Bank Gains Take but Card Rewards Keep Loyalty
7+ mon, 1+ week ago (589+ words) Pay by bank is no longer an unfamiliar concept in U.S. payments, but it has yet to earn a permanent place in consumers’ daily spending habits. Banks and FinTech providers also benefit from faster settlement, lower fraud exposure tied to stored…...