#Debit Card Swipe Rate

[sisterspooky1013]

Gaslight, Chapter 22/48

Rated X | Read it here on AO3

Ellicott City, MD

Don’t know how you do what you do, I’m so in love with you. It just keeps getting better.

I wanna spend the rest of my life with you by my side, forever and ever.

Every little thing that you do, baby I’m amazed by you.

She snaps off the radio, then pulls Tiffany’s scarf off her head and tosses it onto the passenger seat. What is she supposed to do now? Where is she supposed to go? Her instincts tell her to run, but what about the children? She is the reason they’re involved in this in the first place, and guilt sinks heavily from her heart to her belly as she imagines what might happen to them now that the jig is up. Will they be discarded like trash? Will they be leveraged against her, used as pawns in an even more disturbing way? She wants to protect them, but to this point it’s her very proximity to them that has put them at risk. Though it goes against every maternal instinct in her body, she comes to the conclusion that the best thing she can do for them right now is to get as far away from them as possible.

Eyes on the road, one hand on the wheel, she digs around in her purse for her cell phone, finally pulling it free and flipping it open with her thumb. Her hands are still trembling, but she manages to dial. Lunch hour traffic means she hits every red light possible, and she can’t stop looking at the vehicles and sidewalks around her, waiting for another black suit to appear.

“Pick up, pick up, pick up,” she mumbles to herself, checking the rearview mirror obsessively.

“Dana?”

“Cal,” she says, relieved to hear his voice. “I’m on my way home, and I’m going to need to go away for a little while,” she begins, but he cuts her off.

“I’m already at home,” he says in a small, fearful voice.

“What? Why?” she asks, checking her blindspot before she switches lanes.

“I couldn’t—I just couldn’t,” he says tightly, and she realizes that he’s crying.

“Cal, I’ll be home in ten minutes, okay? Wait for me, and don’t open the door for anyone,” she says, finding confidence she didn’t realize she had within her. “Is your car in the garage?”

“Yeah,” he says in a near whisper.

“I need you to move it to the driveway so I can park in the garage, can you do that?”

“Yeah, I think so.”

“Okay, move the car, and then go inside and lock the door. I’ll be home soon.”

Twelve minutes later, she pulls into their driveway and jumps out to open the garage before parking Tiffany’s car inside it. When she enters the house, she finds it stonily silent and still.

“Cal?” she calls out, half expecting the smoking man from the hospital to appear instead.

“Over here.”

She follows the sound of his voice to the stairwell where he is sitting mid-flight, his head in his hands. She approaches slowly, sitting on the step just below him and laying her hand on top of his knee.

“Hey,” she says softly, and he sucks in a sharp breath.

“I’m all fucked up, mija,” he whimpers, followed by a wet sniff. “I’m just—I don’t know what to do.”

She moves one step up, wedging herself between his body and the bannister, and wraps her arm around his shoulders. He leans into her, and she rubs her palm up and down over his upper arm comfortingly.

“What happened?” she asks.

He sniffs and swipes his hand across his nose, composing himself.

“Everything is off,” he explains. “Nothing feels right. I couldn’t remember the PIN for my debit card to get gas, and then I got to work and I sat down at my desk and—it’s like it fell out of my head, Dana. Like it’s just gone.”

“What is?”

He sits up and looks at her. His eyes are bloodshot and swollen, his bottom lip quivering.

“Everything,” he says gravely. “I don’t know how to code. I can’t even fucking understand the code I wrote yesterday.”

“Oh,” she says, understanding.

“What’s happening to me?” he asks, and the pain in his voice makes her heart ache.

“I can only tell you what I was told, and I can’t be sure that what I was told is entirely accurate,” she says, her hand resting on his back.

“Just tell me, please,” he begs.

She looks away, running her tongue across her bottom lip as she decides how to explain it. She suddenly understands how challenging it was for Alex to relay the same information to her.

“I’m not your wife,” she says evenly. “You’re not my husband. Abby and Peter aren’t our children. This whole thing,” she says, gesturing to the house around them, “is a lie. A farce. Whoever did this to us…they went to very great lengths to make us believe that this life is ours.”

She pauses and turns to look at him, finding a somewhat vacant expression on his face. She can empathize, and knows that the questions are too numerous to even begin asking them. She has to keep talking.

“The chip in your neck contained memories. Memories of how we met, Abby and Peter’s births, your training in software engineering. Every single detail since 1992. And whatever they did to us, and whatever was in that medication, helped ensure that we wouldn’t remember what really happened. So that we’d believe it, the lie. And by removing your chip, I also removed those memories. That’s why you can’t remember how to code.”

“Or that pancakes are waffles,” he says absently.

“Right,” she confirms.

He stares off into the middle distance for a moment, allowing this new information to sink in.

“They’re not ours?” he asks, turning to look at her with a kind of disbelieving hurt on his face.

She shakes her head gently, her lips pressed together sympathetically.

“Not biologically, no. But they don’t know that. They still have their chips, and as long as they do, all they know is us,” she tells him, and he nods, looking away again.

“I don’t think I’m a good guy, Dana,” he says after a moment, and she narrows her eyes at him.

“What do you mean?”

He drops his head, staring at the carpeted step between his feet.

“They were cleaning the windows in the office and the smell of it—kind of like ammonia, maybe? It did something to me,” he says hesitantly.

“What did it do?”

“It made me remember something,” he says very quietly. He lifts his hands, forming loose fists. He moves them closer to his face and she realizes that he’s miming smoking from a pipe. “It wasn’t pot,” he says shamefully.

She sighs and moves into the space between his knees, kneeling on the step just below him. She grabs his hands, holding them in her own and looking him straight in the eye.

“Listen to me,” she says sternly. “I don’t know who you were or what you did before they did this to you, but it doesn’t matter. To me, you are Cal. You’re a good man, and a wonderful husband and father.” She feels her throat constrict and she swallows against it. She needs to be strong for him. “Whoever did this is looking for me, Cal. They came to the hospital, and it’s only a matter of time before they show up here. I’m not safe here.”

His eyes widen and his mouth falls open, but she stops him before his mind wanders too far.

“This isn’t about you,” she explains. “This is about me, and a man I used to work with. You and the kids were used to distract me, to make me believe the lie. I don’t have any reason to think they’ll harm you, unless they think they can use you to get to me.”

“What do we do?” he asks.

“I have to leave. I’m not going to tell you where I plan to go because you can’t be forced to provide information that you don’t have. I need you to take care of the kids, okay? You can call my mom for help if you need to. She has no idea any of this is happening, so just tell her that I had a work emergency or something. If anyone asks, say that you’re taking the medication, and do not tell anyone that I removed your chip, okay? Can you do that?”

He nods, but it’s lacking confidence.

“Will we see you again?” he asks hoarsely, and her chin puckers.

“I hope so,” she whispers, and he opens his arms, pulling her into a hug.

She hastily packs a bag with a few changes of clothes and basic toiletries, plus the Sam Cooke CD and the rest of the Numerol. She wishes she could take Cal’s chip for evidence or eventual analysis, but if Alex was right that it can be used to track her movements, it would be unsafe to do so. She remembers finding $800 cash stuffed into a cookie tin during her initial investigation of the house, and she takes that too. She loads her bag into Tiffany’s car and then turns back to Cal, who is standing in the doorway between the house and garage.

“Where did you get the car?” he asks, and she smiles thinly. “Never mind,” he says with a sigh, realizing that it’s the least of their worries.

They stand there for a moment, looking at one another. There’s so much she doesn’t know about him, so much he doesn’t know about himself, but he is still the person she trusts most in the world right now. The only person she trusts, really. She wishes that she didn’t have to do this alone. She suspects that he wishes the same.

“I’ll be in touch when I can,” she says, and he nods. “Give the kids big hugs and kisses for me, okay?”

His face crumples and he looks at the floor. She turns to get in the car, but then changes her mind and walks the handful of steps to where he is standing. She grabs his hand and he lifts his head, absolute agony in his eyes.

“You’re going to be okay,” she assures him, and his jaw jerks to the side.

“What about you?” he asks, his shoulder jumping.

“I hope to be,” she says, forgoing empty promises.

She pushes up onto her tiptoes and presses her lips to his cheek. Before her resolve can crumble any further, she climbs into the car and starts the ignition. Cal walks slowly alongside the driver’s side window as she backs out of the garage, and then follows her down the driveway. Before she turns the corner she takes one final glimpse in the rear view mirror at his tall, trim frame silhouetted against the backdrop of a suburban neighborhood.

It was a beautiful lie they created for her, and part of her is sad to leave it behind. But she chooses to look forward in hopes that she might be able to find her past, and the missing piece that she’s been mourning since the moment she woke up in the hospital.

He. Him.

Mulder.

She heads south, flipping the radio back on so she doesn’t feel so lonely. Her chest aches in the persistent, heavy way that only loss brings, and she hates just how familiar the sensation has become to her.

She’s worried about Cal, about the kids, about herself. She wonders if Mulder has any idea what’s happening, or if he is blissfully ignorant. She starts to think about the most effective way she can explain it to him, if she has the chance. And if she does explain it, and he doesn’t believe her, then what? Or, even worse, what if he does believe her but chooses his new life, his wife, over whatever they had and lost?

Scar tissue that I wish you saw,

Sarcastic mister know-it-all.

Close your eyes and I’ll kiss you, ‘cause

With the birds I’ll share

She feels slightly lightheaded suddenly, and she blinks rapidly and shakes her head back and forth to clear it away.

With the birds I’ll share this lonely view.

With the birds I’ll share this lonely view.

She flips on the turn signal and pulls off to the side of the road, her heart racing. She feels like she might be having a panic attack.

Push me up against the wall,

Young Kentucky girl in a push-up bra.

I’m fallin’ all over myself

To lick your heart and taste your health, ‘cause

It slams into her like a punch to the gut, making her head ache above her left ear. She can physically feel the synapses reaching out, connecting, pulling it up from the depths. Memories, unearthed like buried treasure.

“What are you saying?” he asks, flashing his eyes between her and the road with a haughty little smirk on his mouth.

“The song,” she answers, pointing to the radio.

“Sing it for me,” he requests, and her cheeks burn.

“I know I’m a terrible singer, Mulder, you don’t have to rub it in,” she grumbles, turning towards the window.

“I’m not making commentary on your vocal stylings, Scully, just tell me what the lyrics say,” he insists.

“With the blood that’s shed, it’s a lonely view,” she says flatly, and he chuffs a laugh. “What?”

“That is definitely not how the song goes,” he says, shaking his head. “It’s ‘with the birds I’ll share this lonely view’.”

She pauses, listening to the final chorus of the song.

“Hm,” she says.

“Hm?” he repeats. “Hm, you’re totally right, Mulder? Hm, those lyrics make a lot more sense?” he teases, reaching across the console to poke her arm with his index finger.

She turns her head sharply and gives him her very best irritated glare.

“Gloating is extremely unattractive,” she informs him, and he laughs.

“Does this mean you’re not coming over tonight?” he asks cheekily. “‘Cause I had plans for you, Scully.” He looks at her until she meets his eye, then adds, “Big plans.”

She rolls her eyes and looks out the passenger side window.

“Shut up, Mulder.”

She grips the steering wheel so tightly that her fingers go numb, her chest heaving and her heart pounding. Slowly, slowly, she returns to earth, to the shoulder of US-29-S, to the driver’s seat of Tiffany’s Escalade. As soon as the panic subsides, the tears come, running in torrents down her cheeks and keeping her stationary, unfit to operate heavy machinery in her current state. She wants more, so much more. She wants it all. She wants him.

Eventually, she feels ready to return to the road. She finds a seedy motel just outside the city that she’s confident won’t ask for ID, and lays clean-smelling towels over the top of the questionable-looking sheets before she curls up on the bed and begs for the respite of sleep. It’s early, but she’s exhausted, and feels like she needs the freshness of a new day in order to think clearly.

Tomorrow, she will return to the city she left behind against her will and try to find the torn edges of her stolen life. Tonight, she will pray that he meets her in her dreams, at least until the day she can return to his arms.

Tagging @today-in-fic

[businessfortune]

"Mobile Payment Systems: The Shift Towards a Cashless Society"

Cash is no longer the "King"! Cashless payments are a result of the complete change in the payment landscape brought about by the digital age.

Credit cards were the first form of cashless payment fintech innovations in the 1990s. The electronic banking system became widely used throughout that same decade. The developments in cashless payments carried on after that.

Well-known brands like Apple Pay and PayPal entered the fintech innovations scene. Plus, nobody likes to carry cash these days. Everyone wishes to gain from cashless transactions. Though cash is still important in many places, the globe is gradually shifting to cashless transactions.

There has been an increase in cashless transactions worldwide, according to the most recent Statista survey. There will be 2297 billion cashless transactions worldwide by 2027. The statistics above demonstrate the exponential rise of cashless transactions.

Mobile Payment Systems: The Shift Towards a Cashless Society

Globally, cashless transactions are growing increasingly typical as card and digital payments spread. Digital payment methods like debit and credit cards, smartphone payment apps, and others are increasingly popular for everyday transactions around the world.

Contactless payments, such as digital wallets and tap-to-pay cards, have become increasingly popular. The COVID-19 pandemic further accelerated this trend due to the perceived safety of contactless payments. Mobile payment systems like Apple Pay and Google Pay have made it even easier to make cashless transactions resulting in an e-commerce growth. Global digital transactions are predicted to reach over $14 trillion by 2027. Scandinavian countries like Sweden and Norway have already reached a cashless point-of-sale transaction rate of over 90%. In Asia, mobile payments are rapidly growing, with China leading the way through services like WeChat Pay and Alipay e-commerce growth. However, cash is still preferred in some regions due to factors like informal economies, limited access to banking services, and mistrust of financial institutions. Overall, more and more people are embracing digital payments for their convenience and expanding possibilities. Efforts are being made by governments and financial organizations to support this shift while considering the needs of all individuals.

What Are Digital Wallets, and How Do They Work?

Due to the pandemic, contactless payments like digital wallets have become very popular. Digital wallets store payment methods for easy purchases using a smartwatch or smartphone. They can also hold coupons, tickets, and cards and allow money transfers to others.

How digital wallets work

Different digital wallets process payments using various technologies:

NFC stands for near-field communication: If two devices are positioned adjacent to one another, this enables information sharing between them. This technology is used by Google Pay and Apple Pay. The retailer needs to have card readers that are compatible with these digital wallets at the point of sale.

MST stands for magnetic secure transmission: Similar to when a credit card is swiped on its magnetic stripe, this produces a magnetic signal. The card reader at the payment terminal receives the signal. NFC and MST technologies are both used by Samsung Pay.

QR codes: You may use the camera on your smartphone to scan these barcodes for secure transactions. For instance, you can create a QR code using the PayPal app that enables you to pay for items in stores using your account.

Some digital wallets, such as the Starbucks app, are "closed," meaning they can only be used at that particular store. In contrast, the digital wallet examples above can be used at any retailer that accepts them.

The Technology Behind Mobile Payments

The manner in which consumers make payments around the world has been drastically changed by mobile payment technologies. The fundamental technologies that make this possible are:

NFC:With this technique, data may be exchanged through secure transactions between two devices that are positioned just a few centimeters apart. NFC facilitates rapid and safe transactions by enabling smartphones and payment terminals to communicate.

QR codes:To start a transaction, customers can use the camera on their smartphone to scan "quick-response" codes. The codes point the user to a website or payment application when they are scanned.

SMS-based transactions:Businesses can use this technique to send text message instructions for payments, which is especially helpful in areas where smartphone adoption is low. A series of text messages, including a confirmation code at the conclusion of the transaction, are used by customers to complete purchases.

Digital wallets:In order to enable customers to make payments using their phones rather than paper cards, digital wallets securely hold credit card information on a mobile device. Transport tickets, vouchers, and loyalty cards can all be kept in digital wallets.

Encryption and tokenization:In mobile payments, sensitive data is encrypted. Further enhancing security is tokenization, which uses a special digital identification (called a "token") to execute payments without disclosing account information.

Biometric verification:Mobile devices frequently come equipped with biometric sensors, like facial recognition or fingerprint scanners, which add an extra degree of security to transactions.

Cloud-based payments:Payment details are kept on cloud servers by certain mobile payment solutions. Payments are accepted from any device, and unified security management is in place.

Host card emulation (HCE):With an NFC-capable device, HCE enables a phone to function as a physical card without depending on access to a secure element, or chip, which holds private information like credit card numbers.

Application programming interfaces (APIs):APIs allow apps to talk to banking systems and other applications, which makes transactions easier.

Thanks to these technologies, consumers can now use their mobile devices for a wide range of payment-related tasks, such as online shopping, paying for goods and services at physical locations, and transferring money between people.

Cryptocurrency Transactions: A New Frontier in Mobile Payments

The number of people who own bitcoin is growing rapidly, with over 400 million worldwide. This has led to an increase in demand for cryptocurrency payment options in everyday life. Starting a cryptocurrency transaction is easy, as users can simply use their mobile crypto wallet app to send payments to vendors. Specialized payment gateways are also available, which allow businesses to accept cryptocurrency and convert it to regular money quickly. By accepting cryptocurrency payments, businesses can reach a larger customer base and increase their revenues. Many companies, including e-commerce stores, gaming platforms, and Forex platforms, are already accepting bitcoin payments. The best part is that bitcoin payments are faster and cheaper than traditional banking methods.

Advantages of Using Mobile Payment Systems

Advantages of widely used Mobile banking:

Reduce expenses by eliminating costly equipment and setup.

Improve cash flow with faster payments.

Easily integrate loyalty programs for repeat purchases.

Gain insights from customer data for personalized strategies.

Increase customer convenience by accepting payments anytime, anywhere.

Stay competitive by offering multiple payment options.

Mobile banking enhances payment security with encrypted codes.

Simplify bookkeeping with collected business information.

These benefits improve the customer experience and make accepting payments on the go easier.

Conclusion:

The future of payments will undoubtedly revolve around preserving the integrity of cash as a viable payment option, while concurrently expanding and enhancing digital payment solutions. Empowering individuals to select their preferred transaction method based on personal circumstances and preferences is of utmost importance. In order to construct an all-encompassing financial system that caters to the requirements of every participant, it is imperative for businesses, policymakers, and financial institutions to establish resilient digital payment systems alongside a sturdy infrastructure for cash.

FAQ:

What are mobile payment systems?

Mobile payment systems allow you to make payments using your smartphone or mobile device, typically through apps or digital wallets like Apple Pay or Google Wallet.

How secure are mobile payment systems?

Mobile payment systems are generally secure, using encryption, tokenization, and biometric authentication to protect your data. However, security also depends on user practices like keeping your device and apps updated.

What are the benefits of using mobile payment systems?

Mobile payment systems offer convenience, speed, and security. They also support contactless payments, track spending, and often integrate with loyalty programs.

How do mobile payments impact global economies?

Mobile payments boost global economies by increasing financial inclusion, speeding up transactions, and supporting digital commerce, especially in emerging markets.

What technologies are driving the growth of mobile payment systems?

Key technologies include Near Field Communication (NFC), QR codes, biometric authentication, and blockchain, all of which enhance security and convenience in mobile payments.

[paydayquid]

Why Short Term Loans UK Can Help You Feel Better

There are many lending companies in the UK that may also provide short term loans UK for which you are not required to have any open checking accounts. This paperwork is sufficient for the lender to deposit the money directly to your debit card if you have one in your wallet. By obtaining this loan's urgent assistance, you can quickly overcome any unforeseen financial issues that have arisen in your life.

What are Short Term Loans UK? And how does it aid?

A short term loans UK is a type of payday loans that is used by clients to make ATM withdrawals whenever and wherever they choose. It helps clients save their valuable time. People's closest buddy when they need quick cash and a way to make any urgent payments has always been short term cash. It is therefore a crucial document in one's life.

Payday loans are a modern financial instrument that banks have now customized. One of the series of short term loans direct lenders. This is what? Payday loans with direct deposits to the applicant's debit card are referred to as same day loans UK. Once the money is there, you can use it for anything you require. You can handle an emergency with a routine swipe of this card without having to wait for money to arrive in your bank account.

The Best Strategies for short term loans UK direct lender Success

Emergencies never give you any advance notice. You can always get emergency financial assistance, but you never ask for fast cash. To obtain a loan, you must go through a number of formalities and wait for a certain amount of time. Additionally, there are other loan requirements that are challenging to meet. Not to worry... Applying for short term loans UK direct lender in the UK is simple at https://paydayquid.co.uk/. Some of the lenders on our panel have accommodating loan conditions that you might need to fulfill. The following lists these requirements.

Age of at least 18

British citizen

 Working

Able to demonstrate a consistent source of income

We are Payday Quid, a more cheery way to find your following payday loan. We assist customers who have been turned down by their banks and other large lenders. We are a friendly loan introducer with access to some innovative technology.

The same day loans UK search is quite quick, saving you hours of filling out applications and having your credit checked which could harm your credit history. Protect your credit rating, find your loan, and most importantly, do in 3 minutes what would take you hours.

As the name implies, a "short-term loan" is a loan with brief repayment duration. Depending on the lender, this could take anywhere from a week to a few months.

Compared to conventional personal loans, which often have a repayment period of a year or longer, this is regarded as being of a same day loans UK nature. We provide access to short-term loans with repayment terms ranging from three to 36 months.

[hitchzone24]

Travelling Soon? Essential Tips for using your Credit Card Abroad

Ever packed your bags for an overseas trip and wondered ‘How’s my credit card going to behave abroad?’ Yes,credit cards are helpful but sometimes unpredictable in new places. Worried? Don’t be. We have a host of tips for you to make your credit card work wonders on your travelling adventures.We will show you how to turn your credit card into a savvy companion. Let’s break down the points!

Notify Your Bank Before You Travel

One of the most important steps before your journey is informing your credit card issuer about your travel plans. Many banks monitor transactions for suspicious activity, and using your card in a foreign country without prior notice may trigger security measures. This will lead to your card being temporarily blocked. Most banks offer the option to notify them of your travel plans through their app or website, making this process quick and painless.

Know the Foreign Transaction Fees

Before you start swiping, it’s imperative to be aware of any foreign transaction fees associated with your credit card. These fees typically range from 2% to 3% of each purchase made outside your home country. While these charges might seem small, they can add up over time. The good news? Some credit cards (travel-focused ones in particular) waive foreign transaction fees altogether. Consider applying for one of these cards before your trip to avoid unnecessary costs.

Always Pay in Local Currency

It’s almost always better to choose in paying for things in the local currency when travelling. The reason? Paying in your home currency involves Dynamic Currency Conversion (DCC). This often comes with hidden fees and poor exchange rates. By opting for the local currency, you’ll be charged at the card network's exchange rate (which is generally more favourable).

Use a Card with Travel Perks

Travel rewards credit cards are designed to enhance your travel experience by offering perks such as free airport lounge access, travel insurance, and no foreign transaction fees. All of these manage to level up your travel experience. Some cards also allow you to earn points or miles on your purchases which can be redeemed for future flights or hotel stays. If you’re a frequent traveller, using a card with travel perks can make your journey more enjoyable and financially rewarding.

Carry a Backup Card and Some Cash

While credit cards are widely accepted in most parts of the world, it’s always a good idea to carry a backup card and some local currency just in case. Some smaller businesses, particularly in rural areas, may not accept cards or you may find yourself in a situation where your primary card doesn’t work due to network issues. A second credit card from a different issuer can also be useful if your main card is lost or stolen.

Avoid ATM Fees

Using your credit card at ATMs abroad can come with high fees, both from your card issuer and the ATM operator. To avoid these charges, use your credit card for purchases whenever possible and rely on your debit card for cash withdrawals. Some travel-focused credit cards and banks offer reimbursement for ATM fees. So, it’s worth checking if your card includes this benefit before you depart.

Take Advantage of Travel Insurance

Many credit cards come with built-in travel insurance. It can be a lifesaver in the event of trip cancellations, lost luggage, or medical emergencies abroad. Review your card’s insurance policy before your trip to understand what’s covered and what isn’t.

Monitor Your Spending and Statements

While abroad, it’s central to keep track of your credit card spending and regularly monitor your account for any suspicious activity. Most banks provide mobile apps that allow you to check your balance, review recent transactions, and even freeze your card if necessary. Staying on top of your spending helps you manage your budget.

Know Your Credit Limit

Overspending abroad can easily push you close to your credit limit. Keep an eye on your available credit to avoid maxing out your card, which could lead to declined transactions or penalties. If you anticipate high spending, consider requesting a temporary credit limit increase from your card issuer before your trip.

Protect Yourself from Fraud

Be cautious when using your card, especially at unfamiliar ATMs or in crowded places. Stick to well-known, reputable establishments and avoid giving your card to anyone to take out of your sight. If you suspect any fraudulent activity, contact your card issuer immediately. Most credit cards offer zero-liability protection, meaning you won’t be held responsible for unauthorized charges. Remember though – swift action is essential.

Keep a Copy of Your Card Details

In case your card is lost or stolen, it’s helpful to have a copy of your credit card details. This also includes the customer service number for reporting lost cards. Keep this information in a safe place, separate from your physical card. Having this on hand can make it much easier to resolve any issues quickly.

Use Contactless Payments

Many countries have fully adopted contactless payments. It offers a faster, more secure way to pay. If your credit card supports contactless technology, take advantage of it when traveling. Not only does it reduce the risk of fraud by minimizing the physical handling of your card, but it also speeds up transactions in places like public transport or busy retail stores.

While travelling, remember that your credit card is ready for adventures – as much as you but it needs prep work too. Remember and apply these tips on your travels and your adventurous ways will not suffer any kind of negative consequences.

[jayanthitbrc]

Global Face Swiping Payment Market Analysis 2024: Size Forecast and Growth Prospects

The face swiping payment global market report 2024 from The Business Research Company provides comprehensive market statistics, including global market size, regional shares, competitor market share, detailed segments, trends, and opportunities. This report offers an in-depth analysis of current and future industry scenarios, delivering a complete perspective for thriving in the industrial automation software market.

Face Swiping Payment Market, 2024 report by The Business Research Company offers comprehensive insights into the current state of the market and highlights future growth opportunities.

Market Size - The face swiping payment market size has grown rapidly in recent years. It will grow from $5.79 billion in 2023 to $6.93 billion in 2024 at a compound annual growth rate (CAGR) of 19.7%. The growth in the historic period can be attributed to volatility in fuel prices, government incentives and regulations, environmental awareness, expansion of biofuel infrastructure, strategic alliances in the automotive industry.

The face swiping payment market size is expected to see rapid growth in the next few years. It will grow to $14.12 billion in 2028 at a compound annual growth rate (CAGR) of 19.5%. The growth in the forecast period can be attributed to stringent emission standards, consumer awareness and environmental consciousness, global expansion of biofuel infrastructure, incentives for sustainable transportation, collaboration in renewable energy initiatives.. Major trends in the forecast period include integration of advanced engine technologies, focus on increasing fuel efficiency, development of hybrid flex fuel vehicles, education and awareness initiatives, incorporation of renewable fuel standards (rfs), focus on research and development for advanced biofuels..

Order your report now for swift delivery @ https://www.thebusinessresearchcompany.com/report/face-swiping-payment-global-market-report

Scope Of Face Swiping Payment Market The Business Research Company's reports encompass a wide range of information, including:

1. Market Size (Historic and Forecast): Analysis of the market's historical performance and projections for future growth.

2. Drivers: Examination of the key factors propelling market growth.

3. Trends: Identification of emerging trends and patterns shaping the market landscape.

4. Key Segments: Breakdown of the market into its primary segments and their respective performance.

5. Focus Regions and Geographies: Insight into the most critical regions and geographical areas influencing the market.

6. Macro Economic Factors: Assessment of broader economic elements impacting the market.

Face Swiping Payment Market Overview

Market Drivers - Rising demand for contactless payments is expected to propel the growth of the face-swiping payment market going forward. Contactless payments refer to a wireless financial transaction in which the customer makes a purchase by moving a security token in close proximity to the vendor's terminal. Contactless payments use face-swiping payment technology to offer speed and convenience, as users can complete transactions without physical contact with cards or devices. For instance, in 2022, according to reports shared by UK Finance, a UK-based financial services company, in 2022, around 17 billion contactless payments were performed using debit and credit cards, up 30% from 13.1 billion in 2021. Therefore, rising demand for contactless payments is driving the face-swiping payment market.

Market Trends - Major companies operating in the face-swiping payment market are focused on developing innovative contactless payment systems with advanced technological solutions, such as smile and pay system. It is a system with facial recognition technology that allows users to make payments by using their facial biometrics, such as smiling or waving, to authorize transactions. For instance, in May 2022, Mastercard, a US-based payment card company, launched Smile To Pay. This innovation is part of Mastercard's ongoing efforts to create secure and convenient payment solutions, decreasing the requirement for physical interaction while improving the overall payment experience. The smile to pay function is intended to provide customers with a convenient and secure payment alternative, removing the need to fumble for a phone or wallet at the time of sale. This technology provides a significant step forward in the evolution of payment techniques, harmonizing with the growing trend of contactless and biometric-based payment solutions.

The face swiping payment market covered in this report is segmented –

1) By Type: Payment Equipment, Payment System 2) By Technology: Facial Recognition, Image Recognition 3) By Application: Retail, Restaurant, Travel, Other Applications

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Regional Insights - Asia-Pacific was the largest region in the face swiping payment market in 2023. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the face swiping payment market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

Key Companies - Major companies operating in the face swiping payment market report are Amazon.com Inc., Apple Inc., Alphabet Inc., Samsung Electronics Co. Ltd., Tencent Holdings Ltd., Visa Inc., NEC Corporation, WeChat Pay, Xiaomi Corporation, Alipay, PAX Global Technology Limited, UnionPay International Co. Ltd., CloudWalk Technology Co. Ltd., Facephi Biometria SA, Mastercard Inc., Zoloz Co. Ltd., Innovatrics, VisionLabs B.V., Smile Identity, FacePay Inc., FaceTec Inc., Telepower Communication Co. Ltd., PopID Inc., PayByFace B.V., SnapPay Inc.

Table of Contents 1. Executive Summary 2. Face Swiping Payment Market Report Structure 3. Face Swiping Payment Market Trends And Strategies 4. Face Swiping Payment Market – Macro Economic Scenario 5. Face Swiping Payment Market Size And Growth ….. 27. Face Swiping Payment Market Competitor Landscape And Company Profiles 28. Key Mergers And Acquisitions 29. Future Outlook and Potential Analysis 30. Appendix

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[xinrenresearch]

The Global Market for Voice-Based Payment Technology: Transforming the Future of Transactions 🗣️💳

Introduction🗣️💳

Voice-based payment technology, the innovative fusion of speech recognition and financial transactions, has been steadily gaining momentum in recent years. Powered by advancements in artificial intelligence (AI), machine learning, and natural language processing (NLP), voice-enabled payments promise to revolutionize the way we interact with financial systems. From ordering coffee to paying bills, voice-based payments are poised to become an integral part of our daily lives. This article delves into the global market for voice-based payment technology, examining its current trends, drivers, challenges, and future prospects.

For More Details: https://www.xinrenresearch.com/reports/global-market-of-voice-based-payment-technology-market/

What is Voice-Based Payment Technology? 🗣️💸

Voice-based payment technology allows users to make transactions using voice commands. Instead of manually entering payment details or swiping credit cards, users can authenticate and authorize payments simply by speaking to a voice assistant such as Amazon's Alexa, Google Assistant, or Apple's Siri. These systems rely on advanced speech recognition algorithms, secure authentication methods (such as biometric voice recognition), and integration with financial institutions to process payments quickly and securely.

Voice payments are typically linked to digital wallets, bank accounts, or credit/debit cards. The technology supports a variety of payment use cases, including peer-to-peer (P2P) payments, bill payments, e-commerce transactions, and even physical purchases via connected devices.

Market Overview: The Rise of Voice Payments 🌍📈

The global market for voice-based payment technology is on an upward trajectory, driven by the proliferation of smart devices, the increasing adoption of voice assistants, and consumer demand for seamless and contactless payment experiences. The voice payment market is expected to see robust growth in the coming years, with predictions of a market value exceeding USD 20 billion by 2027, growing at a compound annual growth rate (CAGR) of around 20%.

Key Drivers of Growth 🚀

Proliferation of Smart Speakers and Virtual Assistants 🏠🎙️ The widespread use of smart speakers like Amazon Echo, Google Nest, and Apple HomePod has been a major driver of voice-based payment adoption. These devices are already embedded into millions of households and businesses worldwide, and their integration with payment systems is making voice payments increasingly accessible. With more people using virtual assistants for everyday tasks, voice payments are gaining traction as a natural extension of this technology.

Increased Demand for Contactless Payments 💳🤖 The COVID-19 pandemic has accelerated the adoption of contactless payments as people seek safer, more hygienic alternatives to physical cards and cash. Voice-based payments, which do not require physical interaction or card swiping, fit perfectly into this trend. Users can make secure payments without touching any surfaces, making it an attractive option for health-conscious consumers.

Advancements in AI and NLP 🧠💬 Artificial intelligence and natural language processing have significantly improved the accuracy and security of voice-based payment systems. Modern voice assistants are better at understanding a wide range of accents, dialects, and languages, making voice payments more inclusive and accessible. Furthermore, AI-driven algorithms can identify and authenticate users with high precision, reducing the risk of fraud and improving the user experience.

Seamless Integration with IoT and Wearable Devices ⌚🌐 The integration of voice-based payments with the Internet of Things (IoT) and wearable devices is another key factor driving the market. Smartwatches, fitness trackers, and other IoT-connected gadgets now support voice commands for payments, making transactions even more convenient. The seamless integration between devices means that users can make payments on-the-go, without needing to pull out a phone or wallet.

Rising Preference for Convenience and Personalization 🛍️🔑 Consumers today prioritize convenience and personalized experiences. Voice-based payments offer a hands-free, frictionless experience that fits well with this demand. In addition to ease of use, voice payments can also be personalized—voice assistants can recall past transactions, suggest offers, and even help with budgeting, all of which enhance the user experience.

Challenges in Voice-Based Payment Technology ⚠️

While the market is growing rapidly, several challenges must be addressed before voice-based payments can achieve mainstream adoption.

Security Concerns 🔐🔒 Security remains a critical concern for consumers and businesses when it comes to voice-based payments. Voice biometrics are still in the early stages of adoption, and concerns about voice impersonation or fraud using deepfake technology are growing. Secure authentication methods, such as multi-factor authentication (MFA) or behavioral biometrics (which analyze unique patterns in a user’s speech), are being explored to enhance security.

Privacy Issues 🕵️‍♂️🔍 Privacy concerns around voice data collection are a significant barrier. Voice assistants typically process user commands and store conversations to improve accuracy, raising questions about how this data is stored and used. Ensuring that voice payment systems comply with data protection regulations, such as the General Data Protection Regulation (GDPR), is crucial for gaining consumer trust.

Limitations of Voice Recognition Technology 📱🧠 While voice recognition has come a long way, it is still imperfect, especially in noisy environments or with users who have strong accents or speech impediments. Ensuring that voice payment systems work reliably in diverse real-world conditions is essential for wider adoption. Continued advancements in speech recognition and AI are needed to address these limitations.

Adoption and Integration Challenges for Merchants 🏪🖥️ For voice-based payments to gain traction, merchants need to integrate these systems into their point-of-sale (POS) setups. This may require significant investment in new hardware, software, and training. Small and medium-sized businesses (SMBs), in particular, may face challenges in adopting this technology due to cost or technological barriers.

Key Players in the Voice Payment Technology Market 🏆

Several companies are leading the charge in the development and deployment of voice-based payment technology. These include both technology giants and innovative startups that are shaping the future of voice payments.

Amazon (Alexa) 🛒 Amazon's Alexa is one of the most widely used virtual assistants, and it has integrated voice payments into its ecosystem via partnerships with financial institutions and merchants. Alexa's voice payment features allow users to make payments through Amazon Pay, streamlining transactions for users in the Amazon ecosystem.

Google (Google Assistant) 📱 Google Assistant is another major player in the voice payments space. Google Pay, integrated with Google Assistant, allows users to make payments, check balances, and even transfer money through simple voice commands. Google’s vast reach through Android devices and its partnership with multiple financial institutions enhance its position in the market.

Apple (Siri & Apple Pay) 🍏 Apple has integrated voice payment capabilities into its Siri voice assistant and Apple Pay. Users can easily make purchases or transfer funds using their voice. The close integration of voice payments with Apple’s secure ecosystem has helped to boost consumer confidence in using voice for transactions.

Samsung (Bixby) 🏠 Samsung's Bixby assistant, combined with Samsung Pay, allows users to make payments through voice commands. Samsung's strong presence in smartphones, wearables, and home devices makes it a strong competitor in the voice payments market.

PayPal & Venmo 💳💸 PayPal, along with its subsidiary Venmo, is also exploring voice-based payments. The integration of voice assistants with PayPal’s payment platform has made it possible for users to send and receive money through voice commands, further pushing the adoption of voice payment systems in the peer-to-peer space.

Emerging Trends in Voice-Based Payment Technology 🔮

Integration with Smart Vehicles 🚗🎤 As voice technology becomes more ubiquitous, integration with vehicles is a growing trend. Consumers will soon be able to make purchases while driving, from paying for fuel at gas stations to ordering drive-thru food, all through simple voice commands.

Multi-Language and Accent Recognition 🌍🗣️ As voice payment technology expands globally, the need for multi-language and accent recognition will become increasingly important. Companies are investing in improving the language models of voice assistants to accommodate users from diverse linguistic and cultural backgrounds.

Voice Commerce (V-Commerce) 🛍️🎙️ The rise of voice commerce, or "v-commerce," is an emerging trend. This encompasses everything from voice-enabled shopping on e-commerce platforms to ordering groceries via voice commands. As voice assistants become more adept at handling complex transactions, v-commerce is expected to become a major segment of the digital economy.

Conclusion: The Future of Voice Payments 🌟

Voice-based payment technology is rapidly gaining ground, offering convenience, security, and a futuristic way to handle financial transactions. With the global market expected to grow substantially over the next few years, advancements in AI, voice recognition, and security will further fuel its adoption. However, challenges around privacy, security, and integration must be addressed to ensure consumer trust and widespread acceptance.📱💬

Website: https://www.xinrenresearch.com/

[businessproducts10]

**Patriot Cards: The Ultimate Financial Tool for True Patriots**

You can try this product Patriot Cards

In an era where financial freedom and patriotic values intertwine, **Patriot Cards** have emerged as a unique and powerful solution. More than just a financial tool, Patriot Cards are designed to embody the spirit of patriotism, empowering individuals to support causes they care about while managing their finances effectively. This article explores the features, benefits, and impact of Patriot Cards, and why they are the ultimate choice for those who love their country and want their money to make a difference.

**What are Patriot Cards?**

**Patriot Cards** are a line of financial products—ranging from credit and debit cards to loyalty and membership cards—designed to offer more than just transactional convenience. These cards are tailored to individuals who value financial independence, transparency, and the opportunity to support American causes. With exclusive benefits, cashback rewards, and charitable contributions tied to each purchase, Patriot Cards stand out as a symbol of pride and purpose.

**Key Features of Patriot Cards**

1. **Support American Causes**

- Every time you use a Patriot Card, a portion of the transaction goes towards supporting various American causes, charities, and veteran organizations. Whether it’s funding educational programs, supporting veterans, or contributing to community initiatives, Patriot Cards make every purchase count towards something bigger.

2. **Exclusive Rewards and Cashback**

- Patriot Cards offer generous rewards and cashback on everyday purchases. From grocery shopping and dining out to traveling and entertainment, cardholders can earn points that can be redeemed for cash, discounts, or special perks exclusive to the Patriot community.

3. **Low Fees and Transparent Terms**

- Unlike many financial products that come with hidden fees and complex terms, Patriot Cards are designed with transparency in mind. Cardholders enjoy low fees, competitive interest rates, and clear terms that prioritize customer satisfaction.

4. **Enhanced Security Features**

- Patriot Cards are equipped with advanced security features to protect your transactions and personal information. With robust fraud detection, instant alerts, and secure chip technology, you can use your card with confidence wherever you go.

5. **Patriot-Themed Designs**

- Proudly showcase your patriotism with a card that reflects your values. Patriot Cards come in a variety of designs featuring American symbols, such as the flag, bald eagle, and other iconic imagery. These designs are not just visually appealing but serve as a daily reminder of your commitment to supporting American values.

6. **Access to Patriot Perks**

- Cardholders gain access to exclusive perks, including discounts on American-made products, access to patriotic events, and special offers from partner brands. This unique feature allows you to enjoy benefits that align with your values and lifestyle.

7. **Easy Account Management**

- Managing your Patriot Card is simple and convenient with a user-friendly app and online portal. Track your spending, pay bills, redeem rewards, and stay updated on special promotions—all from the comfort of your smartphone or computer.

You can try this product Patriot Cards

**Benefits of Using Patriot Cards**

1. **Make a Difference with Every Purchase**

- Patriot Cards enable you to make a positive impact every time you swipe. By supporting causes that matter to you, your everyday spending contributes to the greater good, aligning your financial habits with your personal values.

2. **Enjoy Financial Freedom**

- With competitive interest rates, low fees, and flexible spending limits, Patriot Cards provide financial freedom without the burdens of hidden costs or restrictive terms. This makes them an ideal choice for anyone looking to manage their money wisely.

3. **Showcase Your Patriotism**

- Carrying a Patriot Card is more than just a financial decision—it’s a statement of your values. With patriotic designs and contributions to American causes, these cards allow you to showcase your pride and commitment to your country.

4. **Earn Rewards that Matter**

- Unlike generic rewards programs, Patriot Cards offer perks that resonate with cardholders who value patriotism. From cashback on everyday purchases to discounts on American products, the rewards you earn are designed to enhance your lifestyle.

5. **Secure and Reliable**

- With top-notch security features, Patriot Cards protect your financial information, giving you peace of mind with every transaction. Whether you’re shopping online or at your favorite local store, you can trust that your data is safe.

6. **Join a Community of Like-Minded Patriots**

- Patriot Cards connect you with a community of individuals who share similar values. Through exclusive events, forums, and offers, you can engage with other patriots and be part of a movement that’s making a real difference.

**How to Get Your Patriot Card**

1. **Apply Online**: Visit the Patriot Cards website to explore the available card options and complete your application online. The process is quick, easy, and designed to get you approved in minutes.

2. **Choose Your Design**: Select from a range of patriotic designs that best represent your style and values. Each design is crafted to showcase your love for the country in a bold and unique way.

3. **Start Earning Rewards**: Once your application is approved, start using your Patriot Card to earn rewards, support causes, and enjoy exclusive perks. Use the app to track your spending, redeem points, and stay updated on new offers.

4. **Support American Causes**: With every purchase, feel good knowing that a portion of your spending is going towards important causes that help make America stronger.

5. **Stay Engaged**: Keep an eye on the Patriot Cards platform for updates on new rewards, promotions, and opportunities to further support your favorite causes.

**Conclusion: Empower Your Finances with Patriot Cards**

Patriot Cards are more than just a way to manage your money—they’re a tool for making a difference. By integrating patriotism with financial benefits, these cards empower individuals to align their spending with their values, support American causes, and enjoy exclusive perks that resonate with their lifestyle. Whether you’re looking to earn rewards, show your patriotism, or support charitable causes, Patriot Cards offer a unique and powerful way to make every transaction count.

Choose Patriot Cards as your financial partner and join a community that values freedom, pride, and the spirit of giving back to the country we all love. Empower your finances and make a statement with every swipe—because with Patriot Cards, your money works for you and for the greater good of America.

You can try this product Patriot Cards

[ebelal56-blog]

The bizarre economics of ‘bank accounts as house rooms’

You know, when you think about it, bank accounts are like the different rooms in a house. Each one has its own purpose, its own vibe, and its own way of making life a little easier. Take the checking account, for example. It's like the living room, the heart of the home where everything happens. You walk in, and it's all about the everyday transactions-paying bills, grabbing that morning coffee, or maybe splurging on a new pair of shoes. It's accessible, it's fluid, and it's designed for movement. You can write checks, swipe your debit card, or hit up an ATM without a second thought. There's no limit on how many times you can dive in and out, and that's what makes it so perfect for managing daily expenses. It's where you keep track of your spending, where you feel the pulse of your financial life. Then there's the savings account, which feels like the cozy bedroom. It's a place where you tuck away money that you don't need right now. It's all about security and growth, a little nest egg that you can watch blossom over time. You deposit your funds, and they start to earn interest, like a gentle reminder that saving is a good thing. But there's a catch-withdrawals are limited, which is a good thing, really. It encourages you to think twice before dipping into those savings, making it a safe haven for your emergency funds. It's a space that whispers, "Hold on, don't spend it all at once." Now, let's talk about the money market account. It's like the study, a blend of functionality and comfort. It combines the best of both worlds-checking and savings. You get higher interest rates, but it comes with a catch: you need a higher minimum balance. It's a little more exclusive, but it offers flexibility too, with limited check-writing privileges. It's for those who want to earn a bit more while still having access to their funds. It's a smart choice for those who want their money to work harder for them without locking it away entirely. And then there's the certificate of deposit, or CD. This one feels like the attic-out of sight, but full of potential. You lock your money away for a fixed term, whether it's a few months or several years, and in return, you get a higher interest rate. It's a commitment, a promise to let your money sit and grow, and it rewards you for your patience. It's not for the impulsive; it's for those who can resist the urge to dip into their savings for a little while longer. Now, let's not forget about the individual retirement account, or IRA. This is like the future room, the one you're preparing for a life down the road. It's all about saving for retirement, and it comes with tax advantages that can make a significant difference. Contributions might be tax-deductible, and the earnings can grow tax-free or tax-deferred. It's a structured way to ensure you have something to fall back on when the time comes to hang up your work boots. Joint accounts are like the family room, where everyone can come together. Shared between two or more individuals, it simplifies shared expenses and joint financial goals. It's about collaboration, trust, and managing finances as a unit. Lastly, there's the business account, the workshop where all the action happens for entrepreneurs. It's designed to keep business finances separate from personal ones, aiding in organization and tax preparation. It's a space dedicated to growth, innovation, and the hustle of everyday business life. Each type of account serves a specific purpose, like the rooms in a house, and choosing the right one depends on your financial goals and needs. It's about finding the right space for your money, where it can grow, thrive, and support you in your journey.

[lucidpayments]

Why Interchange Plus Pricing Is the Best Way to Pay for Payment Processing

If there was an award for the most convoluted industry on the planet, payment processing would probably win by a landslide.

And if we had to choose the most needlessly complex aspect of our industry, it would have to be how processors choose to charge for their services.

Whether they’re using interchange plus pricing, tiered pricing, or flat-rate processing, typically, payment processors aren’t making things any easier for their customers to understand.

What’s more, business owners don’t seem to have any idea what these various fee structures are, how they work, or which one is going to give them the best deal.

As a result of all this confusion, it seems many businesses are just picking a processor at random without even bothering to look into their pricing.

For instance, a Canadian Federation of Independent Business (CFIB) survey found that 54% of respondents have difficulty understanding the contract they have with their payment processor, and 41% are unsure about their pricing model.

The survey also found that credit card processing fees are unaffordable for 78% of respondents.

However, many business owners are unwittingly choosing to partner with processors whose pricing is deceptively expensive, and the reality is they don’t need to be paying this much.

But given the abject lack of clarity in this industry, it’s no surprise that business owners are getting bamboozled like this.

With that in mind, this article will explain the most common pricing models for payment processing, including interchange plus pricing, tiered pricing, and flat-rate processing.

We’ll break down everything in no uncertain terms, exploring the various types of pricing, comparing them, and explaining why interchange plus pricing is your most affordable option.

If you’re new to this topic, and you’re not sure what the term interchange means in this context, you should start by reading our article, What You Need to Know About Interchange Rates in Canada.

And if you’d like a bit of a refresher on how interchange fees are calculated, you should check out our article, What Determines the Cost of Interchange Fees?

Why Is Interchange Plus Pricing the Best Way to Pay for Processing?

This seems like an easy question to answer, but as you may already suspect, it’s not as simple as you might think.

If you want to understand why interchange plus pricing is your best option, first you’ve got to understand the most common methods of paying for payment processing and compare them.

With that in mind, let’s explore the three most common ways to pay for payment processing, so you can understand why your best option is interchange plus.

Tiered Pricing

Tiered pricing is a pricing model where transactions are categorized into different tiers, each with its own interchange rate. The tiers include these three rates:

Qualified Rate: This is the lowest rate, applied to the most standard and secure transactions, such as swiped or chip-inserted debit or credit card payments.

Mid-Qualified Rate: A higher rate than the qualified rate, applied to transactions that pose a slightly higher risk, such as those involving rewards cards or manually entered card information.

Non-Qualified Rate: This is the highest rate, applied to the riskiest transactions, such as those made with corporate or international cards, or transactions that don’t meet certain security criteria.

This model allows payment processors to charge different rates based on the risk and processing requirements of each transaction.

If you’re being charged based on tiered pricing, that means you’ll have to pay a set qualified rate on every transaction, plus a mid- or non-qualified rate that applies to any transaction that doesn’t meet the requirements of the qualified rate.

So, for example, if a customer is paying with a qualified Visa and actually inserting their card into a physical machine, you’ll probably get a rate of around 1.45%.

Then for every transaction that’s mid- or non-qualified, that corresponding rate will get stacked on top of the qualified rate.

In theory, this model could offer some pretty decent pricing if the company gives you a good deal, but unfortunately, that’s rare.

Typically, providers will set their mid- and non-qualified rates high enough to ensure they’ll make the most profit they can, so you’re not likely to get a very good price.

In these situations, businesses will end up paying something like 0.85% on a non-qualified card, plus the qualified rate, which means they’ll be paying a total of 2.30% (1.45% + 0.85%).

But compared to what you’d be charged based on interchange plus pricing, this is a higher rate than what you’d pay for almost any card that’s available to consumers today.

So, as you can see, not only is this pricing model difficult to understand, but it’s also going to cost you more, as well.

Flat-Rate Pricing

One of the most common complaints we hear from potential customers is that they never know how much they’re going to pay in interchange fees each month.

As a result, many business owners choose to partner with a processor that offers flat-rate pricing, as this type of pricing tends to be advertised in a way that makes it seem like it’s more convenient and easier to understand.

But despite the clever marketing, the truth is that this is the most expensive pricing in our industry.

Providers who offer flat-rate payment processing will typically charge a highly inflated rate to make sure that they’re able to turn a profit on most transactions.

For instance, the average flat rate offered in our industry is currently 2.4%, with some processors charging up to 2.65% or even more.

So, while it may sound great to know exactly what you’re going to pay on every transaction, in reality, what this means is that for the lower-end cards and less risky transactions, you’ll have to pay double what you’d pay with interchange plus pricing, or even more.

To give you an idea of how much more expensive this kind of pricing can be, below, you’ll see Visa’s current interchange rates for consumer cards in Canada.

As you can see, only two of the dozens of cards on this list have an interchange rate of 2.4% or higher. And if you look at Mastercard’s rates below, you’ll see that the list looks very similar.

Again, only two of the cards on this list have an interchange rate of 2.4% or more.

Judging by these numbers, if you’re paying a flat fee that’s anywhere above 2%, you could be costing yourself hundreds of dollars per month in extra fees, depending on your volume of sales.

Truth be told, there are only a couple of different card types that cost more than 2.2%, so no matter how you slice it, paying these higher flat rates will cost you more money.

Interchange Plus Pricing

Hands down, this is easily the best pricing in our industry.

You’re welcome to try, but we can guarantee you’re not going to find anything cheaper.

We use interchange plus pricing because it keeps us competitive, it’s transparent and easier to understand, and it aligns with our mission of putting our customers first and always acting in the best interests of business owners.

That being said, rather than having to charge a high enough flat rate to profit on all cards or creating a convoluted tier system, interchange plus pricing allows us to offer you the exact interchange rate set by credit card companies like Visa and Mastercard, plus a small markup (usually 0.20% – 0.40%), which is how we make our money.

This means if your customer pays with a qualified Visa, you’ll pay 1.25% plus a markup of no more than 0.40%. That adds up to 1.65% or less, which is considerably lower than the average flat-rate pricing in our industry.

And that’s it. It’s really that simple.

With interchange plus pricing, you’ll pay whatever the interchange rate is on the card your customer is using, plus our markup.

This allows you to not only save money but also have greater clarity and peace of mind when it comes to your payment processing.

Another great thing about interchange plus pricing is that when credit card companies like Visa and Mastercard lower their interchange fees, this will immediately be reflected on your bill, which isn’t the case with many providers.

But with Lucid Payments, you won’t have to call in to try and get a better deal, or make sure these savings will be reflected on your statement.

The savings will simply be passed on to you the second that rates are lowered.

Interchange plus is also much more transparent, as well, because you’ll be able to see on your statement which cards you processed, what the interchange rates were on those cards, and what our markup is.

Time to Compare

Using the three different types of pricing we’ve covered today, let’s run a scenario to see which one will offer the better deal.

Let’s say your customers purchased $5,000 worth of products this month, and they all paid with a Visa Infinite card, which has an interchange rate of 1.57%.

For the tiered pricing, you’d be paying 1.57% plus 0.85%, so each one of those transactions would cost you 2.42%.

If you were being charged based on interchange plus pricing, you would’ve paid that same 1.57% interchange rate plus our markup of 0.20%, which would cost you 1.77%.

And for flat-rate pricing, you would’ve paid at least 2.4% on each transaction, regardless of what the interchange rate is on the card the customer is using.

So, if we do the math here, the flat rate pricing would cost you $120 in fees for those $5,000 in sales, and the tiered pricing would cost you $115, but the interchange plus pricing would only cost $88.50.

As you can see from this example, clearly, interchange plus is much cheaper.

And if you’re with a processor who charges you anything but interchange plus, you are simply paying too much.

Want to learn how much you can save with Lucid Payments? Book a Free Statement Review or contact us today to find out how we can help.

[personal-finance123]

Don’t let fees empty your wallet: How to avoid common credit card fees

Credit cards bring convenience. With just a swipe, you can make purchases, book tickets, or handle unexpected expenses. This plastic magic offers the ease of cashless transactions, EMI options, and an overdraft facility, often paired with cashback and rewards. Credit cards offer convenience, but they have fees that can impact your wallet. Here are some common Credit Card fees and ways to avoid them to keep your finances healthy and your wallet fuller.

Annual fee

An annual fee is what some credit cards charge each year just for having the card. When choosing a card, ask about annual fees. Weigh the benefits of the card against its yearly cost. Sometimes, rewards and perks justify the fee. If not, a no-fee card could be a better choice. 

Interest rate 

The interest rate is what the bank charges you for borrowing money through your credit card. To mitigate interest charges, try to pay your full balance every month. If paying the total amount isn’t possible, try to pay more than the minimum. This will reduce the amount of interest you will accumulate. 

Late payment Fee

You incur late payment fees if you don’t pay your credit card bill on time. Set up reminders for when your bill is due. It is more beneficial to set up auto payments so that you always pay on time and never face late fees. You can also use a credit card EMI calculator to know your interest rate and EMI beforehand. It gives you clarity on your repayment cycle and helps you make more calculative decisions.

Foreign transaction fee

Foreign transaction fee is usually associated with the usage of credit cards away from one’s home country. If you travel a lot, such fees accumulate quite fast. Look for credit cards without such charges (or at much lower rates). Moreover, try to opt for credit cards with exclusive global travel benefits to justify any associated fees and improve your overall travel experience.

ATM withdrawal fee 

Each time you withdraw money using a credit card, fees are applied, calculated as a percentage of the amount withdrawn. To avoid these:

Use your debit card for cash withdrawals.

Avoid using your credit card for cash unless necessary. 

Look for credit cards that offer lower ATM withdrawal fees as part of their benefits.

Balance transfer fee

It can be a smart move to transfer your credit card balance to consolidate debt and reduce interest payments. However, you may incur balance transfer fees which are usually charged as a percentage of the transferred balance. 

Some issuers also provide promotional periods with no transfer fees. Yet you must look at the length of the promotional period, the interest rate after the promotional period ends, and any other fees or charges. Comparing such conditions helps you ensure that the benefits you receive are not negated by the transfer fees.

Over-the-limit fee

This fee is charged when you exceed your credit limit. 

Keep a tab on your expenditure so as not to incur this fee. Several credit card issuers provide free alerts to notify individuals whenever they approach their limit. Check your credit card balance regularly, either online or through mobile banking apps to monitor your spending. Another way of preventing overspending is to set your own spending threshold a bit below what you have on your card.

Credit card fees can appear small at first, but their long-term impact can be huge. Hence, it’s wise to thoroughly assess the fees discussed above and implement strategies to sidestep them. This helps you save money as well as gain better control over your financial health.

[cashappreviewus]

How to receive crypto on robinhood?

To receive crypto from an exchange, make sure you verify that the exchange supports withdrawals for that crypto on one of the supported networks.

Home → Menu → Receive.

Scan the QR code or enter the address manually.

Send to My Wallet.

Send, receive, and swap crypto

You can send, receive, buy or transfer, or swap crypto with your Robinhood Wallet.

Send crypto

You can send crypto from Robinhood Wallet to any address or exchange that supports Ethereum, Bitcoin, Dogecoin, Arbitrum, Polygon, Optimism or Base transfers. Make sure you transfer crypto over the same network. For example, only send crypto on Polygon to another wallet or exchange that supports Polygon.

Home → Menu → Send

Scan the code or enter the address manually

Choose crypto to send

Enter the amount you’d like to send

Select Review → Submit

Use Face/Touch ID or PIN

Select Done

Remember to only send crypto to people and entities you know and trust. 

Receive crypto

You can receive crypto from other self-custody wallets on Ethereum, Bitcoin, Dogecoin, Arbitrum, Polygon, Optimism, or Base. To receive crypto from an exchange, make sure you verify that the exchange supports withdrawals for that crypto on one of the supported networks.

Home → Menu → Receive

Scan the QR code or enter the address manually

Send to My Wallet

Remember to only receive crypto from people and entities you know and trust. 

Buy and transfer crypto

Home → Menu → Transfer from Robinhood

Choose a crypto to transfer

Choose the network if the crypto is available on multiple networks

Complete you transfer with Robinhood Crypto

Select Return to Robinhood Wallet

If you’re outside the US, you can use Sardine to buy crypto with a debit or credit card (where available).

Home → Menu → Buy

Choose a crypto to buy or transfer

Choose the network if the crypto is available on multiple networks

Continue with your transaction on Sardine

Once you confirm your order on Sardine, you’ll be taken back to Robinhood Wallet

Swap crypto

You can swap crypto on the Ethereum and Polygon networks via 0x API and LI.FI, which are decentralized exchange (DEX) aggregators. Keep in mind, you can only swap tokens that are supported on either the Ethereum or Polygon networks, and available through 0x API or LI.FI.

Search for the token you’d like to swap

Select Swap → Sell or Buy

Enter the amount you’d like to buy or sell

Select the token to swap

Select Review → Swipe to swap

Your swap may execute with a rate that is either guaranteed or estimated.

A rate that is guaranteed is locked in for 30 seconds before they automatically refresh. 0x API or LI.FI try to fill your order by routing to a market maker. If a market maker is offering a competitive quote, it’s a guaranteed rate. When rates are guaranteed, there’s no difference, or slippage, between the quoted price and the execution price.

Keep in mind, orders will only execute if they fall above or below the slippage tolerance (a percentage of the total swap value) that you choose.

A rate that is estimated is continually refreshed to give you the best price possible. If no market makers have a quote available, 0x API or LI.FI route your order to a network of automated market makers (AMM) to find the best available rate. Your order will execute if it falls within the slippage tolerance that you select, which means the executed price may differ from the quoted price. The order won’t execute if the rate goes beyond that threshold above or below the quoted price.

Your balances will automatically update after your transaction has been processed on the blockchain.

Fees

Robinhood currently doesn't charge service fees on token swaps. Fees are subject to change. Network fees, or gas fees, are blockchain transaction processing fees. These required fees are submitted to the network along with your transaction. These fees fluctuate based on the volume of transactions, confirmation speed, and transaction size for that network. Network fees may apply for token approvals, transfers to an external wallet, and interacting with dapps. Robinhood Wallet doesn’t collect any part of the network fee.

[josnashak69]

A long text of 10,000 words, four-stage cashier design

Every day we complete various transactions through various checkout counters. A smooth experience may make you feel that payment is just a checkout counter. I want to design a checkout counter with a HE Tuber good experience in different scenarios. Let’s take a look at the introduction of this article together.

Every day we complete various transactions through various checkout counters. A smooth experience may make you feel that payment is just a checkout counter. However, good products are all the same, bad products are all weird, and many checkout counters with poor experience will make you think "Why can't even a page be done well?" Today I will introduce to you a standard version of the checkout counter product. By understanding the standard form, you can draw inferences and design a checkout counter with a good experience in different scenarios.

[Old rule, if you find it simple or long-winded, just turn to the end to read the summary]

1. Introduction to payment cashier

1. Cashier terminal

The purpose of the payment terminal is to provide users with a good operating experience through scene adaptation, and to ensure user payment security.

1) Scene adaptation

Nowadays, there are many transaction scenarios such as mobile phones, counters, self-service equipment, and websites, so it is necessary to provide cashiers that adapt to various scenarios for customers to use.

2) Operation experience

The original payment methods are interfaces that require technical development, so various terminal pages are needed to ensure a smooth user experience, so as to bring better payment conversion rates to merchants.

3) Payment security

Payment security mainly includes two aspects. On the one hand, it ensures the security of user payment by adding "password, face brush, fingerprint, security certificate" and other methods. On the other hand, through the binding of "terminals and channels", the opportunities for routing arbitrage by intermediaries and service providers are reduced .

2. Cashier payment method

Behind a simple and easy-to-use cashier is the "payment method", and behind the payment method is the packaging of the payment products provided by the payment channel. On the one hand, the function of the payment method is to show the user what payment channels he can use, and on the other hand, it improves the user's payment efficiency and experience through packaging such as wallets, QR codes, and facial recognition.

The payment method has gone through a relatively long development process from cash to QR code. All payment methods have developed from the early over-the-counter cash transactions such as cards, discounts, wire transfers, and letter transfers. The ones that can carry out online and mobile payments are mainly divided into three categories: "card base, account base, and barcode".

1. Card-based payment

Card-based payment refers to the form of payment using bank cards as the medium. This is also the most basic payment method. As long as you have a debit card or credit card, you can pay.

1) POS card swiping

This is the earliest electronic payment method and an offline payment method. POS machines allow you to pay with cards in offline stores and supermarkets. Later, products such as hand swiping and smart POS payment evolved.

2) Quick payment

This is the earliest mobile payment method. Online payment and consumption can be carried out by binding the card online. It is also the most popular payment product for mobile payment, because it can get rid of the shackles of physical cards and pay conveniently through mobile phones.

3) Online banking payment

In the early days of online banking payment, you needed to jump to the bank's online banking through a PC to make large payments. Now online banking payment has gradually begun to develop in a mobile direction. Traditional PC-based online banking is more commonly used in large-amount payments and corporate payments.

Although card-based payment played a role in promoting early mobile payments, it is not very convenient to use. For POS card payment, you need to bring your bank card with you. For quick payment, you need to bind the card to different platforms. For online banking payment, you need to install it. Encryption plug-in or carry U-shield. Therefore, account-based payment came into being.

2. Account base payment

The account-based payment method is mainly a wallet account packaged in a bank account, a payment account, and a digital currency account. This payment method relies on a large number of real-name authentication user systems on the Internet payment platform. Through the account system they provide, users do not need to undergo cumbersome real-name authentication after merchants access it, and can directly make purchases.

For example, e-commerce platforms generally have access to payment products such as WeChat, Alipay, and Cloud QuickPass. Since users have completed their real names, the transaction conversion rate is very high.

This mainly refers to the integrated payment method for online order codes, offline machines, code plates, etc. for various QR codes. Of course, it is essentially a deep aggregate packaging of bank cards and accounts. The QR code here is divided into three forms according to the "merchant" and "user" dimensions.

Merchant static code : This is a QR code generated from the merchant number of the payee. It is mainly used to make static code plates, cloud speakers and other forms. The user scans the code and enters the amount for payment. This QR code is suitable for making aggregate codes and supports many APP to pay.

Merchant order code : This is a QR code generated based on the product order received by the merchant. The user can pay directly according to the order without entering the amount. This type is mainly used on self-service equipment and websites for users to pay.

User payment code : It is a payment code generated based on the user's payment account. The merchant uses a code scanner or box to scan the payment code displayed on the user's APP to complete the payment.

[nickgerlich]

Wave As You Go By

I remember to my fleeting days of youth how we paid for things in stores and restaurants. You either had cash, or you handed over a credit card to some guy who then laid it atop a cumbersome manual device. He then slid the arm over your card to capture an imprint—ka-chunk!—and handed you the carbon copy. A few weeks later it might show up on your bill, after much more manual processing.

Later we enjoyed the ease of simply swiping our plastic, be it credit or debit, greatly simplifying and speeding up our transactions. Over-use of your credit card could result in it becoming “swiped out,” meaning the magnetic stripe on the back becomes very scuffed from repeated use.

But in the last few years, the rate of change has magnified. Apple Pay, Google Pay, and others all decided they wanted to be part of the payment eco-system, thereby grabbing a very small sliver of each transaction, but also providing convenience.

Then came tap-to-pay, which makes buying things ridiculously easy, whether in a store or at the gas pump. No need to worry about nefarious people installing credit card skimmers to steal your data.

Then there’s QR-pay, which I use in restaurants whenever possible, since I don’t want to relinquish my card to a total stranger for 10 minutes while they disappear to a hidden place. That’s risky business, and has also resulted in much fraud. Heck, I used QR-pay last night at Walmart, a handy feature of my Walmart+ membership. Talk about being in control, I not only scanned and bagged my own items, but then used my phone camera to pay for it from within the app. Easy peasy.

But wait, there’s more.

Biometrics are rapidly becoming the new cool way to pay. Last fall Amazon-owned Whole Foods announced it was rolling out its pilot program of hand scanners across the entire chain. Now when I go to a Whole Foods—mind you, we will never have one in Amarillo, but I shop there whenever I am in a larger city—I just wave my hand, and off I go.

Sure, it is its detractors, mostly those who contend that Big Data—meaning every big company that collects customer data—already has too much of our information. I reply, “But unless someone has me handcuffed against my will, or has chopped off my hand, this is exceedingly secure.” Your palm print is unique. I know. There is no perfect system, just like someone could have stolen my wallet 50 years ago with its cash and plastic, but I feel good about this.

And now Tencent, the Chinese firm behind their social media site WeChat, is doubling down on palm readers. This is not to be confused with American rapper 50 Cent, and I seriously doubt the Chinese entity has ever rapped. As much as we Americans love to be suspicious of anything the Chinese are doing, I must say they are leapfrogging much of the world with this effort. I recall China having QR-pay when we visited in 2019, and we were left scratching our heads and digging for RMBs to pay our lunch tab. Now they are reaching for the stars.

Tencent sees a hand-waving future in this, and not just for payments. Imagine being able to enter the subway or bus with a simple wave. Opening the front door of your house. Or entering your secure corporate campus and office. Even Google employees today have to “badge-in” and “badge-out.” Badges are so 1990s.

The long and the short of it is that we would not need to tote as many things as we have been doing, such as wallets and keys. I would stop short of saying we won’t need to carry our phone, because that would kind of negate the benefit of having such a handy mobile device. I mean, unless you simply do not want to be reachable.

Once again, there will be a transition period, and the hardware and software expense will be huge up front for businesses and anyone else using it. We just saw gas stations in the US transition to chip card readers (as mandated by law), and only some of those have tap-to-pay. All of that would be scrapped with a palm scanner.

And what of the Luddites who do not want to go along with any of this? My brother still prefers cash, and is loathe to use anything else. Going to pro sports and concerts these days is practically out of the question, because those venues no longer take cash, and ticketing is done electronically via your phone. When he saw me pay for my Whole Foods purchase a week ago in Orlando, he shrugged in a negative kind of way.

So does this mean businesses will have to retain legacy systems for those who do not want to adopt palm scanning? Tough question, because it would be even more expensive for companies. Perhaps what needs to be done is a concerted education effort to convince everyone of the merits of the new way, and demonstrate how that, while nothing is perfect, it is a step closer in the right direction.

Just be careful where and when you wave your hand. You may be paying for someone else’s dinner or groceries.

Dr “Ya Gotta Hand It To Them” Gerlich

Audio Blog

[visbankingnews]

Are bank customers now expecting more than just balance management and conducting basic transactions?

The other day, as I was going about my usual business, and I had a persistent thought. The world has evolved so much in the past decade that banking is no longer limited to the four walls of a building. We've entered an era where banking is becoming more digital, and our customers are expecting more. The way we used to think about customer service has changed immensely. It isn't just about helping customers transact anymore; it's about providing a wholesome experience that makes people feel secure and taken care of while they handle their financial affairs. And this goes beyond just the typical banking hours. Customers now have new needs: they want to be able to manage their finances anywhere at any time, thus requiring banks to step up their digital game. They want security that's not too intrusive but sufficient enough to keep them protected against frauds. There's also an increasing demand for financial literacy which banks can play a major role in fulfilling. So what does all this mean for us at the helm of leading such changes? It simply means that we have an opportunity to forge stronger relationships with our customers by meeting these evolving needs. By marrying technology with excellent customer service skills, we can redefine banking and set higher standards for others to follow. We must remain laser-focused on these new customer needs + expectations; don't get stuck in the ways of the past. 💡 Let’s stop just collecting data. Let’s start making it work for us. Let’s transform banking, together. 💡 🔔 Follow Brian on Linkedin: Brian Pillmore Related Links: - Are U.S. Consumers Expecting Accelerating Inflation? - Goldman Sacks, BofA Predict 3 More Interest Rate Hikes in 2023 - FedNow Real-Time Payment System Expected to Launch By Mid-2023 - Your product will never reach its full potential if your customers have no say in development. - Federal Reserve Expected to Propose Lowered Cap for Debit Card Swipe Fees Read the full article

[payment-process-services]

Unlocking Financial Potential: Navigating the World of Credit Card Merchant Accounts

In the bustling realm of commerce, where swift transactions and seamless payments reign supreme, the significance of credit card merchant accounts cannot be overstated. These financial gateways serve as linchpins connecting businesses with the global economy, fostering growth, and streamlining financial operations. Let's delve into the intricacies of credit card merchant account, exploring their pivotal role, functionalities, and the impact they wield on businesses of all sizes.

The Crucial Nexus: Credit Card Merchant Accounts Explained

At its core, a credit card merchant account is a specialized bank account that enables businesses to accept credit and debit card payments. It acts as a conduit, facilitating the transfer of funds from the customer's account to the merchant's account, seamlessly bridging the gap between buyers and sellers. This electronic payment mechanism has become the lifeblood of modern commerce, revolutionizing the way transactions unfold.

Streamlining Transactions: How Credit Card Merchant Accounts Work

The mechanics behind credit card merchant accounts are intricate yet efficient. When a customer swipes, dips, or taps their card to make a purchase, the payment information embarks on a digital journey. The merchant's point-of-sale system securely transmits this data to the credit card processor, which acts as a liaison between the merchant, the issuing bank, and the payment network.

The issuing bank verifies the transaction and assesses whether the customer has sufficient funds. Once approved, the funds are transferred to the merchant account. Despite the seemingly swift process, a behind-the-scenes ballet of encryption, authentication, and communication unfolds, ensuring the integrity and security of every transaction.

Empowering Businesses: The Benefits of Credit Card Merchant Accounts

The adoption of credit card merchant accounts confers an array of benefits upon businesses, irrespective of their scale. Firstly, the convenience offered to customers is unparalleled. With the ubiquity of credit and debit cards, businesses that embrace this payment method cater to a broader consumer base, enhancing their market reach.

Moreover, credit card merchant accounts accelerate cash flow, mitigating the challenges associated with delayed payments or checks. The prompt transfer of funds enables businesses to reinvest in operations, seize growth opportunities, and stay agile in the dynamic marketplace.

Security Paramount: Safeguarding Transactions

As businesses transition into the digital age, concerns about data security loom large. Credit card processing prioritize security, employing robust encryption protocols to safeguard sensitive information. This commitment to data protection not only fosters customer trust but also shields businesses from the devastating repercussions of data breaches.

Choosing Wisely: Selecting the Right Credit Card Merchant Account

Navigating the sea of options when selecting a credit card merchant account requires a discerning eye. Factors such as processing fees, transaction rates, and contract terms necessitate meticulous consideration. It's imperative to align the chosen account with the specific needs and aspirations of the business, ensuring a symbiotic relationship that fuels growth.

The Future Beckons: Evolving Trends in Credit Card Merchant Accounts

The landscape of credit card merchant accounts is dynamic, with continual evolution driven by technological advancements. The integration of contactless payments, mobile wallets, and emerging technologies like blockchain herald a future where transactions are not only efficient but also increasingly secure and decentralized.

Furthermore, the advent of artificial intelligence is reshaping fraud detection mechanisms, enhancing the overall security of credit card transactions. As businesses brace for the future, staying abreast of these trends becomes a strategic imperative, ensuring they remain at the forefront of financial innovation.

Conclusion: Empowering Businesses, Transforming Transactions

In the tapestry of modern commerce, credit card merchant accounts emerge as catalysts of transformation. Beyond being conduits for financial transactions, they empower businesses to transcend boundaries, embrace digital evolution, and cater to the diverse needs of today's consumers. As technology continues to advance, businesses that harness the power of credit card merchant accounts are poised not just to survive, but to thrive in the ever-evolving landscape of global commerce.