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	<title>Electronic Payment Experts -Blog &#187; Published Articles</title>
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	<description>Useful Insights and Information About Electronic Payments for U.S. Merchants</description>
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		<title>Healthcare Self-Payment Collections – Reducing Cost of Card Payments</title>
		<link>http://www.optimizedpmts.com/blog/index.php/healthcare-self-payment-collections/</link>
		<comments>http://www.optimizedpmts.com/blog/index.php/healthcare-self-payment-collections/#comments</comments>
		<pubDate>Thu, 01 Dec 2011 03:00:04 +0000</pubDate>
		<dc:creator>anandkgoel</dc:creator>
				<category><![CDATA[Analysis]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[effective cost of processing cards]]></category>
		<category><![CDATA[healthcare card processing costs]]></category>
		<category><![CDATA[healthcare costs]]></category>
		<category><![CDATA[self payment collections]]></category>

		<guid isPermaLink="false">http://www.optimizedpmts.com/blog/?p=379</guid>
		<description><![CDATA[We prepared the following analysis before the Durbin amendment became effective on October 1, 2011.  We will be updating this analysis in the near future but the general guidelines presented are still very valid. Reducing your healthcare organization&#8217;s cost of processing credit and debit card payments from patients or businesses can be a herculean task [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Value of Discover &amp; American Express Acquiring/Processing</title>
		<link>http://www.optimizedpmts.com/blog/index.php/value-of-discover-american-express-acquiringprocessing/</link>
		<comments>http://www.optimizedpmts.com/blog/index.php/value-of-discover-american-express-acquiringprocessing/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 20:17:53 +0000</pubDate>
		<dc:creator>anandkgoel</dc:creator>
				<category><![CDATA[Analysis]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[american express acquiring]]></category>
		<category><![CDATA[american express onepoint]]></category>
		<category><![CDATA[amex acquiring]]></category>
		<category><![CDATA[amex onepoint]]></category>
		<category><![CDATA[discover acquiring]]></category>
		<category><![CDATA[discover retained list]]></category>

		<guid isPermaLink="false">http://www.optimizedpmts.com/blog/?p=340</guid>
		<description><![CDATA[About four years ago, Discover and American Express started updating their business model by letting acquirers add its cards to the payment options they offer to merchants.  Traditionally, acquirers or payment processors could only offer Visa and MasterCard processing, and merchants had separate agreements with Discover and AmEx.   Therefore, merchants became accustomed to getting three [...]]]></description>
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		<title>The Evolution of Convenience Fees</title>
		<link>http://www.optimizedpmts.com/blog/index.php/the-evolution-of-convenience-fees-2/</link>
		<comments>http://www.optimizedpmts.com/blog/index.php/the-evolution-of-convenience-fees-2/#comments</comments>
		<pubDate>Fri, 01 Jul 2011 16:01:11 +0000</pubDate>
		<dc:creator>anandkgoel</dc:creator>
				<category><![CDATA[Analysis]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[convenience fees]]></category>
		<category><![CDATA[convenience fees regulations]]></category>
		<category><![CDATA[mastercard convenience fees]]></category>
		<category><![CDATA[surcharging]]></category>
		<category><![CDATA[tax convenience fees]]></category>
		<category><![CDATA[visa convenience fees]]></category>

		<guid isPermaLink="false">http://www.optimizedpmts.com/blog/?p=324</guid>
		<description><![CDATA[In slightly more than a decade convenience fees on credit and debit cards have evolved from application in a specific market to wide adoption across many industries.  This article looks at the growth in usage of convenience fees, application within specific verticals, and card network regulations. I. Background &#38; Growth in Convenience Fees The card [...]]]></description>
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		<title>Understanding Fed’s Proposed Rules on Debit Interchange Fees &amp; Routing</title>
		<link>http://www.optimizedpmts.com/blog/index.php/understanding-fed%e2%80%99s-proposed-rules-on-debit-interchange-fees-routing-2/</link>
		<comments>http://www.optimizedpmts.com/blog/index.php/understanding-fed%e2%80%99s-proposed-rules-on-debit-interchange-fees-routing-2/#comments</comments>
		<pubDate>Fri, 07 Jan 2011 18:25:44 +0000</pubDate>
		<dc:creator>anandkgoel</dc:creator>
				<category><![CDATA[Analysis]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[debit card processing]]></category>
		<category><![CDATA[Durbin Amendment]]></category>
		<category><![CDATA[fed's debit proposed rules]]></category>
		<category><![CDATA[interchange reform]]></category>
		<category><![CDATA[PIN debit]]></category>
		<category><![CDATA[signature debit]]></category>

		<guid isPermaLink="false">http://www.optimizedpmts.com/blog/?p=242</guid>
		<description><![CDATA[This article examines the debit interchanges rules proposed by the Federal Reserve last month and how they will likely impact the merchant community.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Impact of Credit Card Act on Businesses</title>
		<link>http://www.optimizedpmts.com/blog/index.php/impact-of-credit-card-act-on-businesses/</link>
		<comments>http://www.optimizedpmts.com/blog/index.php/impact-of-credit-card-act-on-businesses/#comments</comments>
		<pubDate>Fri, 05 Jun 2009 21:36:18 +0000</pubDate>
		<dc:creator>anandkgoel</dc:creator>
				<category><![CDATA[Analysis]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[CCARD Act]]></category>
		<category><![CDATA[closed loop gift cards]]></category>
		<category><![CDATA[Credit Card Accountability Responsibility & Disclosure Act]]></category>
		<category><![CDATA[gift card]]></category>
		<category><![CDATA[open loop gift cards]]></category>
		<category><![CDATA[prepaid gift cards]]></category>

		<guid isPermaLink="false">http://www.optimizedpmts.com/blog/?p=99</guid>
		<description><![CDATA[President Barak Obama signed into law on May 22, 2009, the Credit Card Accountability Responsibility &#38; Disclosure Act.  This sweeping legislation has significant implications for consumers, banks, and many businesses who issue gift cards. Consumer will be the biggest beneficiaries when key provisions of this Act become effective February 22, 2010.  Lawmakers have channeled into [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Understanding and Managing Your Payments Effective Cost</title>
		<link>http://www.optimizedpmts.com/blog/index.php/understanding-and-managing-your-payments-effective-cost/</link>
		<comments>http://www.optimizedpmts.com/blog/index.php/understanding-and-managing-your-payments-effective-cost/#comments</comments>
		<pubDate>Mon, 04 May 2009 18:34:46 +0000</pubDate>
		<dc:creator>anandkgoel</dc:creator>
				<category><![CDATA[Analysis]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[calculating effective cost]]></category>
		<category><![CDATA[credit card processing]]></category>
		<category><![CDATA[lowering payment costs]]></category>

		<guid isPermaLink="false">http://www.optimizedpmts.com/blog/index.php/understanding-and-managing-your-payments-effective-cost-2/</guid>
		<description><![CDATA[Pricing in the credit card processing industry is very complex and most merchant statements do not make it any easier to understand. There are so many technical and industry laden terms (Interchange, qualification tiers, downgrades, batch fee, ACH fee, authorization fee, settlement fee, AVS fee, PCI compliance fee, etc.) that even a sophisticated financial manager [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Comparing Merchant Services Across Wholesale Clubs</title>
		<link>http://www.optimizedpmts.com/blog/index.php/comparing-merchant-services-across-wholesale-clubs-2/</link>
		<comments>http://www.optimizedpmts.com/blog/index.php/comparing-merchant-services-across-wholesale-clubs-2/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 03:00:03 +0000</pubDate>
		<dc:creator>anandkgoel</dc:creator>
				<category><![CDATA[Analysis]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[bj’s]]></category>
		<category><![CDATA[costco]]></category>
		<category><![CDATA[credit card processing]]></category>
		<category><![CDATA[merchant services]]></category>
		<category><![CDATA[sam’s]]></category>
		<category><![CDATA[wholesale clubs]]></category>

		<guid isPermaLink="false">http://www.optimizedpmts.com/blog/index.php/comparing-merchant-services-across-wholesale-clubs-2/</guid>
		<description><![CDATA[Wholesale clubs like BJ&#8217;s, Costco and Sam&#8217;s provide fantastic value when you want to buy in bulk, but how competitive are they when you are looking to buy merchant services for your business? Payment processing, specifically credit card processing, is one of the most confusing and complex services that businesses buy today. Although the top [...]]]></description>
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		<slash:comments>9</slash:comments>
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