The Urgency of PCI 4.0 – What Every Business Needs to Know

When talking PCI, it’s tempting to look at the numbers: PCI 4.0 introduces 53 new requirements that apply to all entities and 11 additional requirements that apply to service providers. 13 of these new requirements become effective immediately after March of this year. What the numbers won’t tell you, however,...

Streamline Your Business Operations with AI

In today’s world, our AI models are trained by large amounts of data. When used strategically, these models can present businesses with tremendous opportunities to streamline operations, and these opportunities extend far beyond what LLMs alone can enable.

What does it take to be a successful Merchant of Record?

Many enterprise merchants in recent years, in particular QSR chains and Convenience & Energy Retailing companies, have become the Merchant of Record (MoR) for their franchisees. In an earlier article, we explained what it means to be a Merchant of Record. Here, we’ll explain the profile of companies that might...

Retail Economics Are Changing – Are You?

Advertisers are increasingly redirecting their funds from traditional publishers to retailers that are serving as publishers— and this trend is only projected to continue, with retail media spending likely to double in the next four years.

When Should a Merchant Be Merchant of Record?

The biggest benefit to becoming the Merchant of Record is the opportunity to optimize payment operations and standardize the customer experience. As technology has evolved, so has the need to optimize transaction flows across channels of commerce, control costs, and improve resiliency.

How should my business confidently deploy new retail technology solutions?

Implementing new technology or software solutions can be a complex and risky process. To mitigate potential pitfalls and ensure successful deployments, merchants should consider enlisting the help of a trusted third-party testing partner. The key benefits of third-party testing with an industry stalwart like W. Capra should be an integral...

What Does the New Interchange Legislation Mean For You?

A growing number of states have recently introduced legislation to prohibit charging interchange fees on the sales and excise tax portion of retail transactions. Thus far, there are active bills in the states of Georgia, Florida, Idaho, North Dakota, and Texas, however that number is expected to grow in the...

Get The Most Out of Tokenization

By replacing sensitive data with tokens, merchants not only reduce the risk of a data breach, they also ensure that even if a hacker (aka “bad guy”) were to access their system, the hacker would only be able to access the tokens, which are useless without corresponding sensitive personal information...

I have selected an MSP, now what?

Even with clearly articulated service level agreements (SLA) or metrics that you wish to analyze with an MSP, someone within your organization must own that relationship to ensure: one, the knowledge of what those expectations are, and two, that there are feedback loops when expectations are not being met.