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Category: PAYMENTS+

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.

September 6, 2023 PAYMENTS+, PETRO+, RETAILSYSTEMS+
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Which is Better: A Global or a Local Operating Model? Hint – It Depends on You

A global approach can give you consistency and standardization. Beyond the cost savings and potential negotiation power that a common global architecture can introduce, a global operating model gives businesses the power to ensure consistent branding and quality assurance, regardless of geography.

July 24, 2023 PAYMENTS+, RETAILSYSTEMS+
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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 part of any retailer’s technology…

May 30, 2023 DIGITAL+, LOYALTY+, PAYMENTS+, PETRO+, RETAILSYSTEMS+
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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 near-term future.

April 27, 2023 PAYMENTS+
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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 (SPI).

April 19, 2023 LOYALTY+, PAYMENTS+, RETAILSYSTEMS+
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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.

March 30, 2023 PAYMENTS+, PETRO+, RETAILSYSTEMS+
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First-Party Data Monetization in Convenience and Energy

Many convenience and energy retailers are sitting on a valuable asset that they have not yet fully monetized: first party data. This data, collected from consumer interactions and transactions, can unveil valuable insights into consumer behavior and preferences.

March 22, 2023 DIGITAL+, LOYALTY+, PAYMENTS+, PETRO+, RETAILSYSTEMS+
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Should my business leverage Managed Service Providers?

Managed service providers can provide third party expertise to help your business grow at the pace you wish to grow, without the cost and risk of hiring employees at the exact time you need them.

March 9, 2023 PAYMENTS+, PETRO+, RETAILSYSTEMS+
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Top Trends Every Retailer Should Be Aware of for 2023

2023 marks the fourth year of a decade that began with a once-in-a-lifetime pandemic that transformed the retail industry. As supply chain issues and other economic challenges caused by the pandemic continue to fester, retailers are finding a new normal with hybrid shopping. This means retailers have even more opportunities to create new offerings and…

February 9, 2023 DIGITAL+, LOYALTY+, PAYMENTS+, PETRO+, RETAILSYSTEMS+, SECURITY+
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Keeping an eye on Credit Cards in Congress

Should the CCCA bill pass, there will certainly be available savings on credit card fees from the forced competition, but this will also require significant planning. Adding a second routing option is not as easy as just toggling a switch.

January 4, 2023 PAYMENTS+, Uncategorized
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How to Approach Implementing Autonomous Checkout

Though autonomous checkout has demonstrated clear benefits to those who implement it well, the implementation doesn’t come without its challenges. One of the biggest pitfalls we see in self-checkout implementations is the propensity to treat this new technology as we would treat any other POS terminal.

December 19, 2022 DIGITAL+, PAYMENTS+, PETRO+, RETAILSYSTEMS+
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Are you using vendors in your tech stack for the core function they bring to your organization?

In recent years, the industry has witnessed a hybrid approach to the two vendor managements models detailed here. In this hybrid model, a payment orchestration layer or a gateway provides pre-existing, best-in-class integrations for a merchant to leverage.

November 30, 2022 LOYALTY+, PAYMENTS+, PETRO+, RETAILSYSTEMS+, SECURITY+
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