Payment Matters
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paymentmatters.bsky.social
Payment Matters
@paymentmatters.bsky.social
Helping businesses uncover hidden payment costs and unlock long-term savings. We simplify vendor relationships, optimise fees, and save you money.
The payments landscape is experiencing a revolutionary transformation as artificial intelligence (AI) and machine learning (ML) technologies reshape how financial institutions detect, prevent, and combat fraudulent activities.
How AI and Machine Learning Are Transforming Fraud Detection
The Evolution of Payment Fraud Detection
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September 12, 2025 at 9:43 AM
Cross-border transaction fees represent a significant cost component in international commerce, with global cross-border payments revenues exceeding $200 billion annually. For Australian businesses expanding internationally, understanding these fees is crucial.
Cross-Border Transaction Fees: Navigating the Complex World of International Payments
Understanding the Global Payment Landscape
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September 2, 2025 at 10:19 AM
Understanding how payment processors apply markups to transactions is crucial for businesses looking to optimize their payment acceptance costs. These markups form an additional layer of pricing that directly impacts your operational expenses.
Payment Processing Costs: Understanding Markups: How Processors Add Costs to Transactions
Following our exploration of payment processing fee components, understanding how payment processors apply markups to transactions is crucial for businesses looking to optimize their payment…
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September 1, 2025 at 6:13 AM
In today's digital economy, payment processing fees are a major cost for businesses accepting electronic payments. These fees, often seen as complex, can be broken down into distinct components that play specific roles within the payment system.
Payment Processing Costs: Breaking Down the Components of Payment Processing Fees
Understanding the Fundamentals of Payment Processing Fees
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August 30, 2025 at 10:34 PM
The payments landscape has undergone a remarkable transformation with the advent of Near Field Communication (NFC) technology, revolutionizing how we conduct everyday transactions.
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Understanding Payment Card Processing: How NFC Technology Enables Tap-and-Go Payments
The Evolution of Payment Technology
articles.paymentmatters.com.au
August 29, 2025 at 10:43 PM
In the complex world of payment processing, interchange fees represent one of the most significant yet least understood components of merchant costs. These fees, typically account for approximately 70% of merchant service fees.

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August 29, 2025 at 9:43 AM
Payment orchestration represents a transformative shift in how businesses handle payment processing, offering a sophisticated layer that sits above traditional payment infrastructure to optimize and streamline transaction flows.
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Understanding Payment Card Processing: How Payment Orchestration is Revolutionizing Card Processing
Payment orchestration represents a transformative shift in how businesses handle payment processing, offering a sophisticated layer that sits above traditional payment infrastructure to optimize and…
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August 26, 2025 at 10:19 AM
In Australia, merchant service fees (MSFs) represent a significant operational cost for businesses accepting card payments. These fees vary based on the card type and payment network, creating a complex pricing structure that merchants must navigate.

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Payment Processing Costs: What Are Merchant Service Fees
Introduction to Merchant Service Fees
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August 25, 2025 at 6:13 AM
As payment technology evolves, consumers have more choices than ever in how they pay for goods and services. While physical payment cards remain ubiquitous, digital wallets are rapidly gaining prominence.
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Understanding Payment Card Processing: Physical Cards vs Digital Wallets
As payment technology evolves, consumers have more choices than ever in how they pay for goods and services.
articles.paymentmatters.com.au
August 23, 2025 at 10:34 PM
In today's digital economy, the security of payment card data has become paramount. As cyber threats evolve and digital transactions increase, the payment industry has developed sophisticated methods to protect sensitive card information.
August 22, 2025 at 10:43 PM
In today's digital payment landscape, security remains paramount as card-not-present transactions continue to rise. 3D Secure (3DS) has emerged as a crucial security protocol designed to add an additional layer of authentication for online card transactions.

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August 22, 2025 at 9:43 AM
In the complex world of digital payments, two terms frequently cause confusion: Payment Gateways and Payment Service Providers (PSPs). As businesses increasingly move online, understanding the distinction between these crucial components of payment processing becomes essential.
Understanding Payment Card Processing: Payment Gateways vs Payment Service Providers
In the complex world of digital payments, two terms frequently cause confusion: Payment Gateways and Payment Service Providers (PSPs).
articles.paymentmatters.com.au
August 19, 2025 at 10:19 AM
The journey of a payment transaction, from the moment a card is tapped or inserted until the funds reach the merchant's account, involves three distinct yet interconnected processes: authorization, clearing, and settlement.

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Understanding Payment Card Processing: Payment Authorization, Clearing, and Settlement Explained
The journey of a payment transaction, from the moment a card is tapped or inserted until the funds reach the merchant's account, involves three distinct yet interconnected processes: authorization,…
articles.paymentmatters.com.au
August 16, 2025 at 10:34 PM
Every day, millions of bank card transactions occur seamlessly across the globe, each one triggering a complex series of interactions between multiple financial institutions and technology providers.

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Understanding Payment Card Processing: What Happens Behind the Scenes of a Bank Card Transaction?
Every day, millions of bank card transactions occur seamlessly across the globe, each one triggering a complex series of interactions between multiple financial institutions and technology providers.
articles.paymentmatters.com.au
August 15, 2025 at 10:43 PM
In today's digital economy, payment card processing forms the backbone of modern commerce. Yet, for many businesses and consumers alike, the intricate dance between acquirers, issuers, and payment networks remains shrouded in mystery.

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Understanding Payment Card Processing: The Role of Acquirers, Issuers, and Payment Networks
In today's digital economy, payment card processing forms the backbone of modern commerce.
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August 12, 2025 at 10:19 AM
Having spent 15 years architecting payment systems across multiple continents, I've witnessed the fascinating evolution of payment card processing.

I'll walk you through the parties and the intricate dance that happens when you use your payment card.

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Understanding Payment Card Processing: A Step-by-Step Guide
Having spent 15 years architecting payment systems across multiple continents, I've witnessed the fascinating evolution of payment card processing.
articles.paymentmatters.com.au
August 11, 2025 at 10:57 PM