As banks and merchants fight over interchange regulation in Washington, the real struggle is in shoppers’ wallets, phones, and Web browsers. Last month, I wrote about how merchants use discounts, ...

Modern businesses don’t suffer from a lack of payment options; they suffer from a lack of control they have over payment experiences. Open-loop payments get the job done. But they’re built to serve ...

Small businesses don’t just compete with each other—they go up against industry giants with nationwide reach, deep pockets, and aggressive pricing. It’s not a fair fight, but it’s one that independent ...