Merchant payments guides

Deep dives on interchange, tokenisation and routing. Being written now.

• Why paying by phone costs the merchant more

  Tap your card and it can route to eftpos. Tap your phone and it can't — and the interchange category costs the merchant more. Here's how that happened.

  18 July 2022·4 min read

• The danger of banks white-labelling scheme-owned payment gateways

  When a bank runs a scheme-owned payment gateway, don't expect it to route to Eftpos — and here's why that costs merchants.

  6 June 2022·4 min read

• What is Merchant Routing Online and how it can save you thousands

  How Least Cost Routing sends eligible debit-card payments down the cheaper Eftpos rails — and why your bank hasn't told you.

  23 May 2022·4 min read

• What is Scheme Tokenisation and why it could save you thousands

  How Scheme Tokenisation moves your card token to Visa or Mastercard and shifts transactions into cheaper interchange categories.

  9 May 2022·2 min read