Mercator Advisory Group's new report, Solving the Micropayments Problem: Minimizing the Impact of Discount Fees on Small Ticket Transactions, examines the way merchants and the networks have worked to lessen the effect of discount fees, as well as the solutions developed by third-party vendors who are trying to make a profit by doing the same. The report aims to determine which solutions have been successful, which have failed, and the reasons why.
Highlights of the report include:
Snapshots of the evolution of the micropayments problem, including an analysis of failed micropayments solutions vendors and the reasons why they were ineffective
A breakdown of the different issues faced by online micropayments and micropayments at the point-of-sale (POS)
Examinations of prominent industries that are most susceptible to the micropayments problem, and the solutions that merchants in those industries are using today
The effect the new Durbin Amendment will have on micropayments specifically
"As Americans move further away from cash, merchants who focus in small-ticket transactions are forced to accept the constraints of card-based payments as a reality," says Dave Kaminsky, analyst in Mercator's Emerging Technologies Service and author of the report. "The micropayments problem is not going away, so their only choice is to adapt and manipulate the discounts fees so that they are low enough that they can survive."
One of five exhibits in this report:
This report is 29 pages long with five exhibits and three tables.
Companies mentioned in this report include: Amazon, Visa, MasterCard, American Express, Discover, Apple, PaymentOne, Zong, eBay, Microsoft, Facebook, Wall Street Journal, New York Times, PayPal, Starbucks, Google, Napster, Rhapsody, Netflix, DigiCash, CyberCash, ESPN, Playboy, First Virtual Holdings, Beenz, Flooz, IBM, Compaq, Digital Equipment Corporation, Peppercoin, Chockstone, BitPass, Clickandbuy, Zynga, OMGPOP, Boku, Electronic Arts, Aeria Games, Playdom, Zoosk, Flattr, Square, Twitter, BitCoin, Electronic Frontier Foundation, Mazooma, and Dwolla.
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About Mercator Advisory Group
Mercator Advisory Group is the leading, independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world's largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors. Mercator Advisory Group is also the publisher of the online payments and banking news and information portal PaymentsJournal.com.