Downgrades

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Downgrades are rates changes that occur when merchants do not meet major credit card company requirements for a credit card sales transaction. The transaction is moved to a lower level of interchange, which requires the merchant to pay a higher rate for the downgrade. The...

Dwolla

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Mobile payment applications increasingly focus on e-wallets, Apple Passbook and other dedicated paying options for goods and services. The Dwolla platform offers similar electronic funds-transfer benefits by focusing on the other side of the equation, replacing currency with an...