A technical analyst puts a $82,900–$83,000 support zone at the center of the October outlook; the levels are sourced, but the method deserves a second look.
Experimentation on a tight budget is a process problem, not a money problem — and the process is buildable.
A working method for separating what a market story proves from what its headline implies.
Interchange is the fee a merchant's bank pays the cardholder's bank on every card transaction, and it is set by the networks, not negotiated by the store on the…
The Federal Reserve's Regulation II limits what banks with $10 billion or more in assets can charge merchants per debit swipe, and the gap between covered and…
The Credit Card Competition Act of 2026, introduced January 13, would require the largest banks to enable a second credit routing network; it remains in Senate…
The November 9–10 agenda in Charlotte reads as a checklist of what bank executives say they cannot solve alone: AI, core modernization, trust, customer…
The Federal Reserve raised the per-transaction ceiling on its FedNow instant payment rail tenfold, effective January 1, 2026, clearing the way for larger…
Passkeys swap a typed secret for a cryptographic key stored on your device, cutting off the phishing route into bank and payment accounts.
Federal rules cap most consumer liability at $50 and give financial institutions a 10-business-day clock to investigate, with narrow exceptions stretching to 45…
A chargeback reverses a card sale at the issuer's hand before the merchant hears about it, and the merchant's only recourse is evidence, not argument.
A chargeback pulls funds back from a merchant's account before any human at the business sees a complaint, and the clock the merchant is racing starts the…
The acquiring bank routes the authorization, absorbs the merchant's risk, batches the day's sales, and funds the merchant's account — usually minus fees.
Under 12 CFR 1005.11, a financial institution has 10 business days to investigate a disputed electronic transfer, or must provisionally credit the account and…
The FDIC put the US banking industry's net interest margin at 3.35 percent in the third quarter of 2025, and that one ratio explains how deposits make money.
Fuel merchants can place holds of up to $175 on consumer cards since April 2022 network rule changes, and the release timing depends on both the station and the…
NIST published final post-quantum standards in August 2024 and proposed phasing out RSA and elliptic-curve cryptography by 2035, giving payment systems a decade…
The FOMC kept the federal funds target range at 3.50%-3.75% on January 28, 2026, with governors Stephen Miran and Christopher Waller dissenting for a…