Vantage Viewpoint

Peer-to-Peer Lending

  • March 11, 2009
Merchant Cash Advance proposes to lend money to merchants based on their credit card receivables.  However these lending options are very expensive.   Is peer-to-peer (P2P) lending an …

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More people go with Visa

  • March 07, 2009
In a new global ad campaign, Visa changes focus to the advantages of plastic over paper cash and checks.   Consumer perceptions of credit card brands has been trending negatively because …

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State Laws on Receipt Truncation

  • February 15, 2009
In addition to federal law and various state laws which require merchants to truncate the cardholder copy of receipts, three (3) states now require merchants to truncate both the cardholder and …

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MasterCard Beats Estimates on Price Increases

  • February 07, 2009
MasterCard Inc., the world’s second- largest credit-card network, rose the most in three months of New York trading after beating analysts’ profit estimates by raising the price of …

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Visa Reports Q1 Earnings

  • February 06, 2009
The first thing of note is that the report is based on a one quarter lag which means Visa is really reporting on the end of 2008, not Q1 2009.  While this better than expected quarterly report …

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MasterCard increases its fees by 270%!

  • February 03, 2009
In an upcoming April 2009 initiative, the MasterCard Acquirer Access fee that is currently in place and being billed at a pass through cost of $0.005 per authorization is being eliminated and …

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Open Letter from Ted Hardison, CEO, Vantage Card Services

  • January 10, 2009
As a merchant in these difficult economic times, you are looking for every way possible to cut costs and survive.  And there seems to be no shortage of merchant account providers soliciting your …

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A Leading Merchant Services Provider

  • January 10, 2009
Just about every company today call themselves the “leading” provider of something (read almost any press release).  Many of the brochures and sales people you talk to promote their …

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Alternative Financing Solutions

  • January 10, 2009
For 6 million small businesses operating in a struggling economy, these are anxious times.  We’ve witnessed the credit markets freeze, massive bailouts and the most far reaching reordering …

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Before Merchant Rates, Negotiate Definitions First

  • November 22, 2008
Time and again we see a complex payments industry being made more confusing for merchants accepting credit and debit cards.  Examine the following examples.

As a consumer it is better not to …

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