For a merchant to unlock the full potential of new technology, partnering with the expertise of an organization like W. Capra is crucial. Conversely, for a vendor whose platform or product has been selected by a merchant, ensuring an efficient and effective implementation can help establish strong client relations and...
Why should merchants work with W. Capra on their Fraud Management program?
The most frequently stated struggle for fraud management teams is how to manage new areas of fraud to prevent lost revenues, but this is not where the only focus should be; successful programs do this while mitigating friction in their consumer experience.
What’s In Store for Retail: Industry Trends to Watch
While uncertainty around the state of the economy lingers due to inflation, retailers have remained focused on roadmaps centered around new technology and experiences to keep customers engaged. Here we examine the top trends retailers should be watching.
What Merchants Need to Know About the Visa / Mastercard Settlement
Though there are multiple class action lawsuits in place against the card brands, the particular litigation addressed in the March 26, 2024, settlement carries industry-wide implications. Per the settlement, Visa and Mastercard have agreed that, interchange rates will lower rates by 4 basis points for the next 3 years.
What’s the Cost of Not Monitoring Your Cost of Acceptance?
Every major retailer accepts credit card payments across the varied channels that consumers use to shop. With this acceptance comes myriad processing fees, ranging from direct and understandable to fees described with esoteric acronyms on merchant funding statements that only the most experienced experts on the acquirer team can explain....
As Technology Evolves, So Does the Need for Quality Assurance
As the industry witnesses constant innovation and the introduction of new solutions, QA capabilities have become table stakes for ensuring the smooth functioning of consumer-facing and back-end technology. Whether rolling out new capabilities, maintaining existing solutions, or testing hypotheses, technological advances have introduced new channels that require rigid testing.
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...
Why Convenience Store Operators Should Consider Subscription Programs
Subscription programs offer significant value to both the consumer and operator, driving repeat customers, increasing lifetime value, and fostering customer loyalty.
How can your business more easily tackle major technology transformation?
As companies emerged from the COVID-19 pandemic, they shifted strategies from keeping their business alive and operational performing, to creating visions and planning roadmaps for implementing new technology.
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.
