<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>UniBul Credit Card Blog</title>
	<atom:link href="http://blog.unibulmerchantservices.com/feed" rel="self" type="application/rss+xml" />
	<link>http://blog.unibulmerchantservices.com</link>
	<description>UniBul Credit Card Blog covers the world of credit card acceptance, providing industry news, insights, analyses and best practices.</description>
	<lastBuildDate>Thu, 17 May 2012 13:55:07 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.1</generator>
		<item>
		<title>Squaring up Mobile Payments in Europe</title>
		<link>http://blog.unibulmerchantservices.com/squaring-up-mobile-payments-in-europe/</link>
		<comments>http://blog.unibulmerchantservices.com/squaring-up-mobile-payments-in-europe/#comments</comments>
		<pubDate>Thu, 17 May 2012 13:41:42 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=20217</guid>
		<description><![CDATA[Square, a service that enables consumers to accept credit and debit cards for payment through a reader attached to their smart phones, has done extraordinarily well in the U.S. since its launch in October 2010 and, if anything, has been going even stronger since one of the biggest names in the industry mounted a stiff [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/squaring-up-mobile-payments-in-europe/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Increased Lending, Higher Balances Lead to Lower Credit Card APRs</title>
		<link>http://blog.unibulmerchantservices.com/increased-lending-higher-balances-lead-to-lower-credit-card-aprs/</link>
		<comments>http://blog.unibulmerchantservices.com/increased-lending-higher-balances-lead-to-lower-credit-card-aprs/#comments</comments>
		<pubDate>Wed, 16 May 2012 14:05:32 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19395</guid>
		<description><![CDATA[That is how two Cleveland Fed researchers &#8211; O. Emre Ergungor and Patricia Waiwood &#8211; interpret the fall of credit card interest rates in the past two years. There is not a mention in their short release of either of the two big payment-card-related legislations passed during that period &#8211; the Card Act of 2009 [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/increased-lending-higher-balances-lead-to-lower-credit-card-aprs/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>The More You Use Your Debit Card, the Lower Your Credit Score</title>
		<link>http://blog.unibulmerchantservices.com/the-more-you-use-your-debit-card-the-lower-your-credit-score/</link>
		<comments>http://blog.unibulmerchantservices.com/the-more-you-use-your-debit-card-the-lower-your-credit-score/#comments</comments>
		<pubDate>Tue, 15 May 2012 13:33:35 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=18559</guid>
		<description><![CDATA[That is the conclusion of a recent study by Fumiko Hayashi and Joanna Stavins from the Federal Reserve Bank of Boston. The researchers say that they set out to verify the anecdotal negative relationship between the use of debit cards and credit scores and have indeed confirmed the validity of this common assumption. Hayashi and [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/the-more-you-use-your-debit-card-the-lower-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Prepaid Cards Keep Getting Better</title>
		<link>http://blog.unibulmerchantservices.com/prepaid-cards-keep-getting-better/</link>
		<comments>http://blog.unibulmerchantservices.com/prepaid-cards-keep-getting-better/#comments</comments>
		<pubDate>Mon, 14 May 2012 13:41:07 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[prepaid cards]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=20118</guid>
		<description><![CDATA[Chase is the latest big bank to enter the prepaid card market in a serious way. Its new entry into the increasingly crowded field &#8211; called Liquid &#8211; is a worthy competitor to Americans Express&#8217; prepaid card, which until now was the undisputed leader. AmEx&#8217;s product is still the best option for everyone with a [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/prepaid-cards-keep-getting-better/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Americans Are Slashing Credit Card Debt and Other Facts</title>
		<link>http://blog.unibulmerchantservices.com/americans-are-slashing-credit-card-debt-and-other-facts/</link>
		<comments>http://blog.unibulmerchantservices.com/americans-are-slashing-credit-card-debt-and-other-facts/#comments</comments>
		<pubDate>Sat, 12 May 2012 14:27:12 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card debt]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19880</guid>
		<description><![CDATA[Americans have been in a debt-slashing mood ever since the onset of the financial crisis in September 2008 and they have been especially keen on paying down their credit card balances. The aggregate amount of credit card debt in the U.S. has been continually falling since the collapse of Lehman Brothers. It is now well [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/americans-are-slashing-credit-card-debt-and-other-facts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Can&#8217;t Get in Trouble with Prepaid</title>
		<link>http://blog.unibulmerchantservices.com/you-cant-get-in-trouble-with-prepaid/</link>
		<comments>http://blog.unibulmerchantservices.com/you-cant-get-in-trouble-with-prepaid/#comments</comments>
		<pubDate>Fri, 11 May 2012 13:29:35 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[prepaid cards]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=20047</guid>
		<description><![CDATA[That may not be the official tagline for the campaign that has been launched to tout the virtues of the latest American Express prepaid card, but it sure could be. It is catchy enough and was uttered by Laura Kelly &#8211; an AmEx SVP &#8211; in an interview, the WSJ&#8217;s Andrew R. Johnson tells us. [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/you-cant-get-in-trouble-with-prepaid/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Where Is My Debit Discount?</title>
		<link>http://blog.unibulmerchantservices.com/where-is-my-debit-discount/</link>
		<comments>http://blog.unibulmerchantservices.com/where-is-my-debit-discount/#comments</comments>
		<pubDate>Thu, 10 May 2012 13:35:18 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card regulations]]></category>
		<category><![CDATA[debit card fees]]></category>
		<category><![CDATA[interchange fees]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=20008</guid>
		<description><![CDATA[The proponents of the legislation that reduced the fees retailers pay for accepting debit cards promised that such a reform would lead to lower retail prices. The reform, known as the Durbin Amendment, went into effect on 1 October 2011, but Martha C. White of Time Magazine can&#8217;t see the savings. What she does see [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/where-is-my-debit-discount/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>Americans Beginning to Use Credit Cards More Freely</title>
		<link>http://blog.unibulmerchantservices.com/americans-beginning-to-use-credit-cards-more-freely/</link>
		<comments>http://blog.unibulmerchantservices.com/americans-beginning-to-use-credit-cards-more-freely/#comments</comments>
		<pubDate>Wed, 09 May 2012 13:41:47 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19969</guid>
		<description><![CDATA[U.S. consumer credit grew in March at its fastest rate in more than a decade, according to the latest data released by the Federal Reserve on Monday. The aggregate amount of outstanding credit card balances rose following two consecutive monthly declines and is now back above the $800 billion mark. Both the student and auto [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/americans-beginning-to-use-credit-cards-more-freely/feed/</wfw:commentRss>
		<slash:comments>15</slash:comments>
		</item>
		<item>
		<title>EMV, NFC, Mobile Wallets and Credit Card Fraud Liability</title>
		<link>http://blog.unibulmerchantservices.com/emv-nfc-mobile-wallets-and-credit-card-fraud-liability/</link>
		<comments>http://blog.unibulmerchantservices.com/emv-nfc-mobile-wallets-and-credit-card-fraud-liability/#comments</comments>
		<pubDate>Tue, 08 May 2012 13:41:58 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19927</guid>
		<description><![CDATA[Beginning in October 2015, merchants who have not upgraded to EMV-compliant point-of-sale (POS) terminals, will be liable for the full amount of any fraud losses incurred at their stores. That requirement is, of course, a big part of the push towards adoption of EMV (also known as chip-and-PIN) cards that the credit card networks have [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/emv-nfc-mobile-wallets-and-credit-card-fraud-liability/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Payment Security, Ease of Use and Google Wallet</title>
		<link>http://blog.unibulmerchantservices.com/payment-security-ease-of-use-and-google-wallet/</link>
		<comments>http://blog.unibulmerchantservices.com/payment-security-ease-of-use-and-google-wallet/#comments</comments>
		<pubDate>Mon, 07 May 2012 12:31:08 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19249</guid>
		<description><![CDATA[The payment landscape is changing before our eyes. Mobile payments are the new big thing and everyone who is someone in the payment card industry, and even more newcomers, are battling one another for the early lead. However, mobile payments come in many shapes and forms and some of them have been quicker to win [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/payment-security-ease-of-use-and-google-wallet/feed/</wfw:commentRss>
		<slash:comments>19</slash:comments>
		</item>
		<item>
		<title>Pick Your Card: Credit, Debit or Prepaid</title>
		<link>http://blog.unibulmerchantservices.com/pick-your-card-credit-debit-or-prepaid/</link>
		<comments>http://blog.unibulmerchantservices.com/pick-your-card-credit-debit-or-prepaid/#comments</comments>
		<pubDate>Sat, 05 May 2012 14:34:13 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card information]]></category>
		<category><![CDATA[prepaid cards]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19183</guid>
		<description><![CDATA[There have been some huge changes in the payment card landscape in the past few months that have left none of the major card types unaffected. Many credit card users, for example, are enjoying a huge rise in the availability and quality (especially the latter!) of rewards programs. Similarly, the quality of prepaid cards has [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/pick-your-card-credit-debit-or-prepaid/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Americans Keep Paying down Old Debt, Get more New Credit</title>
		<link>http://blog.unibulmerchantservices.com/americans-keep-paying-down-old-debt-get-more-new-credit/</link>
		<comments>http://blog.unibulmerchantservices.com/americans-keep-paying-down-old-debt-get-more-new-credit/#comments</comments>
		<pubDate>Fri, 04 May 2012 13:45:49 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19840</guid>
		<description><![CDATA[That is the thrust of Equifax&#8217;s National Consumer Credit Trends Report for March. The report is consistent with other data that have shown a continual improvement in the health of Americans&#8217; finances over the course of the past couple of years and an easier access to new credit. We learn that, overall, the aggregate amount [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/americans-keep-paying-down-old-debt-get-more-new-credit/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>What Leaky Ducts, Bank Text Alerts and Mobile Payments Have in Common</title>
		<link>http://blog.unibulmerchantservices.com/what-leaky-ducts-bank-text-alerts-and-mobile-payments-have-in-common/</link>
		<comments>http://blog.unibulmerchantservices.com/what-leaky-ducts-bank-text-alerts-and-mobile-payments-have-in-common/#comments</comments>
		<pubDate>Thu, 03 May 2012 13:29:07 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card statistics]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19024</guid>
		<description><![CDATA[Well, according to a recent Federal Reserve survey, all of these activities constitute mobile banking. Using your phone to locate the nearest ATM is also banking, we learn. I&#8217;ve long had an issue with the prevailing definitions of mobile banking and mobile shopping and they still just don&#8217;t make sense to me. The way I [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/what-leaky-ducts-bank-text-alerts-and-mobile-payments-have-in-common/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>M-PESA Is Finally Getting Challenged by the Big Credit Card Companies</title>
		<link>http://blog.unibulmerchantservices.com/m-pesa-is-finally-getting-challenged-by-the-big-credit-card-companies/</link>
		<comments>http://blog.unibulmerchantservices.com/m-pesa-is-finally-getting-challenged-by-the-big-credit-card-companies/#comments</comments>
		<pubDate>Wed, 02 May 2012 13:28:46 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19734</guid>
		<description><![CDATA[FOXBusiness&#8217; Jennifer Booton has written an excellent account of the big global credit card companies&#8217 efforts to penetrate markets in developing countries, which have until recently had to rely exclusively on cash for payment. We learn that Visa and MasterCard have both partnered with telecommunication companies to enable consumers in Africa, Asia and South America [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/m-pesa-is-finally-getting-challenged-by-the-big-credit-card-companies/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>The Month in Numbers &#8211; April 2012</title>
		<link>http://blog.unibulmerchantservices.com/the-month-in-numbers-april-2012/</link>
		<comments>http://blog.unibulmerchantservices.com/the-month-in-numbers-april-2012/#comments</comments>
		<pubDate>Tue, 01 May 2012 13:36:14 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19768</guid>
		<description><![CDATA[The aggregate amount of student debt in the U.S. is growing at an accelerating rate and is outpacing the growth of the other consumer debt categories; the hacking of 1.5 million credit and debit card numbers should prompt us to examine our monthly statements for &#8220;hot tubs and flat screens that [we] didn&#8217;t order;&#8221; the [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/the-month-in-numbers-april-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>U.S. Credit Card Delinquencies, Charge-offs Fall to New Record-Lows</title>
		<link>http://blog.unibulmerchantservices.com/u-s-credit-card-delinquencies-charge-offs-fall-to-new-record-lows/</link>
		<comments>http://blog.unibulmerchantservices.com/u-s-credit-card-delinquencies-charge-offs-fall-to-new-record-lows/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 13:37:29 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[charge-off]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card delinquencies]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19751</guid>
		<description><![CDATA[All major credit card repayment indicators showed improvements in March and three of them set all-time records, according to the latest data from Moody&#8217;s. The charge-off rate fell slightly for yet another month and it is now firmly in pre-recession territory. In the late payments category, both the early- and late-stage delinquency rates fell to [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/u-s-credit-card-delinquencies-charge-offs-fall-to-new-record-lows/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Credit, Debit, and Prepaid Cards Measure Up</title>
		<link>http://blog.unibulmerchantservices.com/how-credit-debit-and-prepaid-cards-measure-up/</link>
		<comments>http://blog.unibulmerchantservices.com/how-credit-debit-and-prepaid-cards-measure-up/#comments</comments>
		<pubDate>Sat, 28 Apr 2012 14:09:12 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card information]]></category>
		<category><![CDATA[prepaid cards]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19045</guid>
		<description><![CDATA[I&#8217;ve tried on multiple occasions before to pin down the most important differences among the three major payment card types and to present them in a clear way, but I was never entirely satisfied with my success. And there is really no reason that this should be so when these differences are for the most [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/how-credit-debit-and-prepaid-cards-measure-up/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How Much Is Your Credit Card Information Worth?</title>
		<link>http://blog.unibulmerchantservices.com/how-much-is-your-credit-card-information-worth/</link>
		<comments>http://blog.unibulmerchantservices.com/how-much-is-your-credit-card-information-worth/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 13:41:31 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[data security]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19707</guid>
		<description><![CDATA[The answer, according to the BBC, is &#8220;as little as £2&#8243; ($3.2), which is the amount for which dozens of websites are selling the credit card information of millions of victims of identity theft. The British broadcaster reports that 36 of these sites have been taken down and three men arrested as part of an [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/how-much-is-your-credit-card-information-worth/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>When Credit Card Companies Try Hard to &#8216;Get&#8217; Social Media</title>
		<link>http://blog.unibulmerchantservices.com/when-credit-card-companies-try-hard-to-get-social-media/</link>
		<comments>http://blog.unibulmerchantservices.com/when-credit-card-companies-try-hard-to-get-social-media/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 13:30:58 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[card issuers]]></category>
		<category><![CDATA[social media]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19681</guid>
		<description><![CDATA[Felix Salmon is having some fun with Barclaycard&#8217;s &#8220;first ever crowdsourced credit card&#8221; that is &#8220;built on a community&#8221; of &#8220;incredibly happy, healthy, outdoorsy types who live only in bright sunshine&#8221; and with the issuer&#8217;s efforts to get them to &#8220;join the conversation.&#8221; In fact, Salmon is quite cynical about banks&#8217; efforts to &#8220;get&#8221; social [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/when-credit-card-companies-try-hard-to-get-social-media/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Student Debt Is Growing at an Accelerating Rate and Other Facts</title>
		<link>http://blog.unibulmerchantservices.com/student-debt-is-growing-at-an-accelerating-rate-and-other-facts/</link>
		<comments>http://blog.unibulmerchantservices.com/student-debt-is-growing-at-an-accelerating-rate-and-other-facts/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 13:30:40 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[student debt]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19642</guid>
		<description><![CDATA[Student loans have received plenty of attention in recent months, and for a good reason. The aggregate amount of student debt in the U.S. has now surpassed both the credit card and auto loan totals and keeps growing, even as the other debt categories are still shrinking. Moreover, it turns out that college debt is [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/student-debt-is-growing-at-an-accelerating-rate-and-other-facts/feed/</wfw:commentRss>
		<slash:comments>17</slash:comments>
		</item>
		<item>
		<title>Banking on the Unbanked</title>
		<link>http://blog.unibulmerchantservices.com/banking-on-the-unbanked/</link>
		<comments>http://blog.unibulmerchantservices.com/banking-on-the-unbanked/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 13:28:22 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit score]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=18966</guid>
		<description><![CDATA[One of the unfortunate, though perhaps unavoidable, side effects of the way our consumer credit system is set up is that the cost of financial services is the highest for those who can least afford it. There is a strong positive correlation between a consumer&#8217;s credit score and his or her income and education level, [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/banking-on-the-unbanked/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>PayPal&#8217;s Mobile Payments Services Attract Consumers, Retailers</title>
		<link>http://blog.unibulmerchantservices.com/paypals-mobile-payments-services-attract-consumers-retailers/</link>
		<comments>http://blog.unibulmerchantservices.com/paypals-mobile-payments-services-attract-consumers-retailers/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 13:37:06 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19584</guid>
		<description><![CDATA[PayPal continues to grow at an incredibly fast rate for a company of its size and it now accounts for 40 percent of its parent company&#8217;s revenue, according to eBay&#8217;s latest regulatory filing. In the first quarter of this year, the payment processor has brought in $1.3 billion in revenue, a 32 percent increase on [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/paypals-mobile-payments-services-attract-consumers-retailers/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Using a PIN at the Checkout Reduces Debit Card Fraud by a Factor of 5.5</title>
		<link>http://blog.unibulmerchantservices.com/using-a-pin-at-the-checkout-reduces-debit-card-fraud-by-a-factor-of-5-5/</link>
		<comments>http://blog.unibulmerchantservices.com/using-a-pin-at-the-checkout-reduces-debit-card-fraud-by-a-factor-of-5-5/#comments</comments>
		<pubDate>Sat, 21 Apr 2012 13:40:57 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[chip and PIN]]></category>
		<category><![CDATA[credit card fraud]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=18534</guid>
		<description><![CDATA[That is one of the things we learn from a recent work by Douglas A. King from the Atlanta Federal Reserve. It&#8217;s not the first report telling us that PIN-based card transactions are much more secure than signature-based ones, far from it. We&#8217;ve known for a long time that this is the case, but there [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/using-a-pin-at-the-checkout-reduces-debit-card-fraud-by-a-factor-of-5-5/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Barclaycard&#8217;s New Mobile Payment Service Is Simple, but Inadequate</title>
		<link>http://blog.unibulmerchantservices.com/barclaycards-new-mobile-payment-service-is-simple-but-inadequate/</link>
		<comments>http://blog.unibulmerchantservices.com/barclaycards-new-mobile-payment-service-is-simple-but-inadequate/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 13:28:32 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19561</guid>
		<description><![CDATA[Barclaycard, a large British card issuer, is upgrading the NFC-based mobile payment service it launched a year ago, we learn from various news reports this morning. Just as the original version, known as Quick Tap, the new service, named PayTag, enables users to make payments by waving their phones by an NFC-compatible point-of-sale (POS) terminal. [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/barclaycards-new-mobile-payment-service-is-simple-but-inadequate/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>What Type of a Payment Card Should You Give to Your College Student?</title>
		<link>http://blog.unibulmerchantservices.com/what-type-of-a-payment-card-should-you-give-to-your-college-student/</link>
		<comments>http://blog.unibulmerchantservices.com/what-type-of-a-payment-card-should-you-give-to-your-college-student/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 13:27:13 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[prepaid cards]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19538</guid>
		<description><![CDATA[Dow Jones&#8217; Andrew R. Johnson is reporting that issuers are becoming more aggressive in marketing their prepaid cards on college campuses. To make their overtures more attractive to college kids and parents, many issuers are now offering largely fee-free prepaid cards that can also feature some bells and whistles. And the resulting propositions are often [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/what-type-of-a-payment-card-should-you-give-to-your-college-student/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>How Credit Cards Are Replacing Coupons</title>
		<link>http://blog.unibulmerchantservices.com/how-credit-cards-are-replacing-coupons/</link>
		<comments>http://blog.unibulmerchantservices.com/how-credit-cards-are-replacing-coupons/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 13:30:14 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card rewards]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19464</guid>
		<description><![CDATA[Credit card companies have been looking high and low for new revenue sources to make up for the losses they suffered in the wake of the Durbin Amendment. Some of them, like new checking account fees or higher overdraft charges, were easy to identify, although their implementation has not been carried out as smoothly as [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/how-credit-cards-are-replacing-coupons/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Why Higher Fees on Sub-Prime Credit Cards Are Justified</title>
		<link>http://blog.unibulmerchantservices.com/why-higher-fees-on-sub-prime-credit-cards-are-justified/</link>
		<comments>http://blog.unibulmerchantservices.com/why-higher-fees-on-sub-prime-credit-cards-are-justified/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 13:31:24 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card fees]]></category>
		<category><![CDATA[credit card regulations]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19506</guid>
		<description><![CDATA[The cost of loans is highest for sub-prime borrowers. There is a perfectly good reason for that, which most consumers understand and accept. So much so that this is a subject that is as uncontroversial as any financial issue can get. And yet, last week&#8217;s decision of the Consumer Financial Protection Bureau (CFPB) to abandon [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/why-higher-fees-on-sub-prime-credit-cards-are-justified/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Does Calculating Your Debt Help Reduce It?</title>
		<link>http://blog.unibulmerchantservices.com/does-calculating-your-debt-help-reduce-it/</link>
		<comments>http://blog.unibulmerchantservices.com/does-calculating-your-debt-help-reduce-it/#comments</comments>
		<pubDate>Mon, 16 Apr 2012 13:33:51 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card regulations]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19449</guid>
		<description><![CDATA[The CARD Act of 2009 required issuers to create a special section in their customers&#8217; credit card statements that would provide information about the length of time and amount of interest that would take to pay off the current card balance if only the minimum monthly payments were made. Additionally, the statements had to tell [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/does-calculating-your-debt-help-reduce-it/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>21 Confusing Payment Processing Terms Defined</title>
		<link>http://blog.unibulmerchantservices.com/21-confusing-payment-processing-terms-defined/</link>
		<comments>http://blog.unibulmerchantservices.com/21-confusing-payment-processing-terms-defined/#comments</comments>
		<pubDate>Sat, 14 Apr 2012 14:08:28 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card information]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=17866</guid>
		<description><![CDATA[I&#8217;ve often seen in comments and emails payment processing terms used in a wrong context or plainly misunderstood. I&#8217;ve had the same experiences in conversations as well. The most improbable and yet incredibly persistent confusion has been the one involving the differences between credit and debit cards, on which we&#8217;ve written before. But there are [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/21-confusing-payment-processing-terms-defined/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit Card Sign-up Bonuses Twice Bigger than a Year Ago</title>
		<link>http://blog.unibulmerchantservices.com/credit-card-sign-up-bonuses-twice-bigger-than-a-year-ago/</link>
		<comments>http://blog.unibulmerchantservices.com/credit-card-sign-up-bonuses-twice-bigger-than-a-year-ago/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 13:35:32 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card rewards]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19434</guid>
		<description><![CDATA[I&#8217;ve been looking for hard data on the growth in the size of the sign-up bonuses with which card issuers are enticing new customers for quite some time. There have been numerous reports about issuers mailing out offers with some incredibly attractive bonuses and we have quoted a fair number of them on this blog, [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/credit-card-sign-up-bonuses-twice-bigger-than-a-year-ago/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Why Banks Want to Give You Credit Cards after Bankruptcy</title>
		<link>http://blog.unibulmerchantservices.com/why-banks-want-to-give-you-credit-cards-after-bankruptcy/</link>
		<comments>http://blog.unibulmerchantservices.com/why-banks-want-to-give-you-credit-cards-after-bankruptcy/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 13:30:56 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card information]]></category>
		<category><![CDATA[credit card regulations]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19353</guid>
		<description><![CDATA[CardRatings.com&#8217;s Curtis Arnold has compiled a list of what he believes are the best credit cards Americans can have after a bankruptcy. While I&#8217;m not really all that interested in how all these cards compare to one another, I&#8217;d like to say a few words about the concept of extending credit to a person whose [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/why-banks-want-to-give-you-credit-cards-after-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Starbucks &#8216;Mobile Pay&#8217; Is a Huge Hit, but There Is a Better Way</title>
		<link>http://blog.unibulmerchantservices.com/starbucks-mobile-pay-is-a-huge-hit-but-there-is-a-better-way/</link>
		<comments>http://blog.unibulmerchantservices.com/starbucks-mobile-pay-is-a-huge-hit-but-there-is-a-better-way/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 13:31:12 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19419</guid>
		<description><![CDATA[Starbucks has been extremely successful with its mobile payments platform, Venture Beat&#8217;s Jennifer Van Grove reminds us today. The coffee chain has processed more than 42 million m-payment transactions since its Mobile Pay platform was launched in January 2011, Van Grove tells us. Back in December, Starbucks reported that &#8220;there have been 26 million mobile [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/starbucks-mobile-pay-is-a-huge-hit-but-there-is-a-better-way/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Debit Interchange Fee Chutzpah</title>
		<link>http://blog.unibulmerchantservices.com/debit-interchange-fee-chutzpah/</link>
		<comments>http://blog.unibulmerchantservices.com/debit-interchange-fee-chutzpah/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 13:26:57 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card regulations]]></category>
		<category><![CDATA[interchange fees]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19331</guid>
		<description><![CDATA[Chutzpah, according to the traditional definition, is killing your parents and then pleading for mercy, because you are an orphan. I found myself thinking about that when reading National Journal&#8217;s Stacy Kaper&#8217;s account of the latest goings-on in the lawsuit that several retail groups had filed against the Federal Reserve last year. The merchants are [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/debit-interchange-fee-chutzpah/feed/</wfw:commentRss>
		<slash:comments>15</slash:comments>
		</item>
		<item>
		<title>Credit Card Debt Keeps Falling and Americans Aren&#8217;t Done with It</title>
		<link>http://blog.unibulmerchantservices.com/credit-card-debt-keeps-falling-and-americans-arent-done-with-it/</link>
		<comments>http://blog.unibulmerchantservices.com/credit-card-debt-keeps-falling-and-americans-arent-done-with-it/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 13:33:55 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19376</guid>
		<description><![CDATA[The latest Federal Reserve report on outstanding consumer credit in the U.S. showed a slowdown in borrowing for the month of February. In fact, the aggregate amount of credit card debt in the U.S. fell for a second month in a row, following four consecutive monthly increases (the first time that had happened since the [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/credit-card-debt-keeps-falling-and-americans-arent-done-with-it/feed/</wfw:commentRss>
		<slash:comments>15</slash:comments>
		</item>
		<item>
		<title>Everything You Need to Know about American Express&#8217; Merchant Pricing</title>
		<link>http://blog.unibulmerchantservices.com/everything-you-need-to-know-about-american-express-merchant-pricing/</link>
		<comments>http://blog.unibulmerchantservices.com/everything-you-need-to-know-about-american-express-merchant-pricing/#comments</comments>
		<pubDate>Sat, 07 Apr 2012 14:15:23 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[transaction processing fees]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=17946</guid>
		<description><![CDATA[One thing we&#8217;ve often had hard time explaining to our existing and prospective clients is that we have no control over American Express&#8217; pricing. As we have not explicitly stated AmEx&#8217;s rates on our website, merchants would often think either that we are hiding them or that we do not provide AmEx acceptance. The reality [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/everything-you-need-to-know-about-american-express-merchant-pricing/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>How Much Card Issuers Lost from the Debit Fee Limit and why You should Care</title>
		<link>http://blog.unibulmerchantservices.com/how-much-card-issuers-lost-from-the-debit-fee-limit-and-why-you-should-care/</link>
		<comments>http://blog.unibulmerchantservices.com/how-much-card-issuers-lost-from-the-debit-fee-limit-and-why-you-should-care/#comments</comments>
		<pubDate>Fri, 06 Apr 2012 13:25:48 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card regulations]]></category>
		<category><![CDATA[debit card fees]]></category>
		<category><![CDATA[interchange fees]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19281</guid>
		<description><![CDATA[It&#8217;s been just over six months since the enactment of the Durbin Amendment (1 Oct 2011) and the data showing its effect on bank revenues are starting to pour in. A new report from SNL Financial, a consultancy, has ranked the top twenty U.S. banks by interchange revenue in the last quarter of 2011 and [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/how-much-card-issuers-lost-from-the-debit-fee-limit-and-why-you-should-care/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>How to Respond to the Global Payments Data Breach</title>
		<link>http://blog.unibulmerchantservices.com/how-to-respond-to-the-global-payments-data-breach/</link>
		<comments>http://blog.unibulmerchantservices.com/how-to-respond-to-the-global-payments-data-breach/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 13:43:52 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[data security]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19316</guid>
		<description><![CDATA[If your credit card was among the 1.5 million whose information was reportedly stolen by hackers during the Global Payments data breach, you are probably taking steps to prevent any potential financial losses and damages to your credit file. Perhaps you&#8217;ve already visited Global Payments&#8217; website for guidance on exactly what to do or have [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/how-to-respond-to-the-global-payments-data-breach/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>What Criminals Can Do with the Stolen Global Payments Data</title>
		<link>http://blog.unibulmerchantservices.com/what-criminals-can-do-with-the-stolen-global-payments-data/</link>
		<comments>http://blog.unibulmerchantservices.com/what-criminals-can-do-with-the-stolen-global-payments-data/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 13:41:21 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[data security]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19297</guid>
		<description><![CDATA[The big data breach suffered by payment processor Global Payments has been all over the news and we haven&#8217;t covered it so far simply because there wasn&#8217;t anything we could have added to the discussion. There will now be a long and hugely expensive clean-up process to get things back to normal and I can [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/what-criminals-can-do-with-the-stolen-global-payments-data/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Why the Unbanked Take out Payday Loans and the Cost of Education</title>
		<link>http://blog.unibulmerchantservices.com/why-the-unbanked-take-out-payday-loans-and-the-cost-of-education/</link>
		<comments>http://blog.unibulmerchantservices.com/why-the-unbanked-take-out-payday-loans-and-the-cost-of-education/#comments</comments>
		<pubDate>Tue, 03 Apr 2012 13:38:29 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card information]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=18980</guid>
		<description><![CDATA[A new Federal Reserve survey attempts to explain the reasons behind the financial decisions of the unbanked and underbanked Americans. The reasearchers&#8217; findings are not necessarily surprising, but they do provide plenty of fresh data to analyze. And the conclusion I get out of it is that staying out of the traditional financial system is [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/why-the-unbanked-take-out-payday-loans-and-the-cost-of-education/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The Month in Numbers &#8211; March 2012</title>
		<link>http://blog.unibulmerchantservices.com/the-month-in-numbers-march-2012/</link>
		<comments>http://blog.unibulmerchantservices.com/the-month-in-numbers-march-2012/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 13:39:24 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19256</guid>
		<description><![CDATA[Americans are far more likely to be current on their car payments than on their credit cards or mortgages, even as the delinquency rates of the latter two debt categories continue to fall; each digit of your credit card number has its own significance; the mobile payment war is waged on multiple fronts. These are [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/the-month-in-numbers-march-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Americans Pay down Auto Loans before Credit Cards and Mortgages</title>
		<link>http://blog.unibulmerchantservices.com/americans-pay-down-auto-loans-before-credit-cards-and-mortgages/</link>
		<comments>http://blog.unibulmerchantservices.com/americans-pay-down-auto-loans-before-credit-cards-and-mortgages/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 13:32:03 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card statistics]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19224</guid>
		<description><![CDATA[TransUnion has just released the second update to its 2010 Payment Hierarchy study, which has been tracking the changing consumer debt repayment preferences in the post-Lehman world. It tells us that Americans are still far more likely to be current on their credit cards than on their mortgages, which has been the case for the [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/americans-pay-down-auto-loans-before-credit-cards-and-mortgages/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>U.S. Credit Card Delinquencies Fall to Lowest Level Ever</title>
		<link>http://blog.unibulmerchantservices.com/u-s-credit-card-delinquencies-fall-to-lowest-level-ever/</link>
		<comments>http://blog.unibulmerchantservices.com/u-s-credit-card-delinquencies-fall-to-lowest-level-ever/#comments</comments>
		<pubDate>Thu, 29 Mar 2012 13:28:44 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[charge-off]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card delinquencies]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19203</guid>
		<description><![CDATA[The main credit card repayment indicators continued their downward slide in February, we learn from the latest Moody&#8217;s Credit Card Indices. Having fallen below the five-percent threshold in January for the first time since before the Great Recession began, the charge-off rate fell only marginally in February. However, both delinquency rates monitored by the ratings [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/u-s-credit-card-delinquencies-fall-to-lowest-level-ever/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Are Facebook and Twitter Enablers for the Credit Card Companies?</title>
		<link>http://blog.unibulmerchantservices.com/are-facebook-and-twitter-enablers-for-the-credit-card-companies/</link>
		<comments>http://blog.unibulmerchantservices.com/are-facebook-and-twitter-enablers-for-the-credit-card-companies/#comments</comments>
		<pubDate>Wed, 28 Mar 2012 13:26:02 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card regulations]]></category>
		<category><![CDATA[social shopping]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19163</guid>
		<description><![CDATA[Dow Jones Newswires&#8217; Andrew R. Johnson is giving as a detailed overview of what U.S. credit card companies have been up to on Facebook, Twitter and other social networks in an excellent piece for the WSJ. There is a lot to be learned there, not least the fact that Capital One has made it possible [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/are-facebook-and-twitter-enablers-for-the-credit-card-companies/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Credit Card Rewards Are Better than Ever</title>
		<link>http://blog.unibulmerchantservices.com/credit-card-rewards-are-better-than-ever/</link>
		<comments>http://blog.unibulmerchantservices.com/credit-card-rewards-are-better-than-ever/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 13:36:34 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[credit card rewards]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19141</guid>
		<description><![CDATA[We&#8217;ve been covering the rapidly improving quality of credit card reward offers in the U.S. in a series of articles on our blog for the past year. And it&#8217;s been quite a story. Card issuers began ramping up their rewards programs somewhere in late 2010, even as their charge-off and delinquency rates were still at [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/credit-card-rewards-are-better-than-ever/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>American Express and the Prepaid Way to Credit Cards</title>
		<link>http://blog.unibulmerchantservices.com/american-express-and-the-prepaid-way-to-credit-cards/</link>
		<comments>http://blog.unibulmerchantservices.com/american-express-and-the-prepaid-way-to-credit-cards/#comments</comments>
		<pubDate>Mon, 26 Mar 2012 13:13:05 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[prepaid cards]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19125</guid>
		<description><![CDATA[Via MainStreet.com&#8217;s Jeanine Skowronski we learn that American Express has done a major upgrade to its prepaid cards that could be hugely beneficial to Americans with lower credit scores. Citing an AmEx executive, Skowronski tells us that the credit card company would allow prepaid users with good track records to eventually upgrade to a charge [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/american-express-and-the-prepaid-way-to-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Visa Account Updater Works and How Much It Should Cost You</title>
		<link>http://blog.unibulmerchantservices.com/how-visa-account-updater-works-and-how-much-it-should-cost-you/</link>
		<comments>http://blog.unibulmerchantservices.com/how-visa-account-updater-works-and-how-much-it-should-cost-you/#comments</comments>
		<pubDate>Sat, 24 Mar 2012 14:35:30 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[recurring payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=17883</guid>
		<description><![CDATA[If your business model revolves around providing products or services on a recurring basis, you should know very well that, unless corrective measures are implemented, a certain percentage of the credit and debit card payments you submit for processing will be rejected due to wrong account information, even as the same transactions may have gone [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/how-visa-account-updater-works-and-how-much-it-should-cost-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Google Wallet&#8217;s Survival Strategy: Bribe the Carriers or Sidestep Them</title>
		<link>http://blog.unibulmerchantservices.com/google-wallets-survival-strategy-bribe-the-carriers-or-sidestep-them/</link>
		<comments>http://blog.unibulmerchantservices.com/google-wallets-survival-strategy-bribe-the-carriers-or-sidestep-them/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 13:37:26 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19105</guid>
		<description><![CDATA[The fact that Google Wallet &#8211; the search giant&#8217;s heavily publicized mobile payments service &#8211; has been slow to take off shouldn&#8217;t come as a big surprise. After all, at present there are only two phones that can work with it and there is only one carrier that sells them. Moreover, that carrier &#8211; Sprint [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/google-wallets-survival-strategy-bribe-the-carriers-or-sidestep-them/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Eventbrite Shows Us how to Become a Square</title>
		<link>http://blog.unibulmerchantservices.com/eventbrite-shows-us-how-to-become-a-square/</link>
		<comments>http://blog.unibulmerchantservices.com/eventbrite-shows-us-how-to-become-a-square/#comments</comments>
		<pubDate>Thu, 22 Mar 2012 13:39:00 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19085</guid>
		<description><![CDATA[I would never have guessed it, but it now seems very probable that sometime soon we will have just as many different types of Square-like credit card acceptance platforms as we now do point-of-sale (POS) terminals. But the launch of such a service by Eventbrite &#8211; a website that enables users to plan events and [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/eventbrite-shows-us-how-to-become-a-square/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>More on PayPal Here vs. Square</title>
		<link>http://blog.unibulmerchantservices.com/more-on-paypal-here-vs-square/</link>
		<comments>http://blog.unibulmerchantservices.com/more-on-paypal-here-vs-square/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 13:08:05 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[mobile payments]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=19068</guid>
		<description><![CDATA[Earlier this week I shared my initial observations of PayPal&#8217;s new phone-based credit card acceptance service and how I thought it stacks up against Square, the reigning champion. Overall, I gave PayPal Here the advantage, provided it works as advertised. But there is more that I want to say about business models developed specifically to [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/more-on-paypal-here-vs-square/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chargebacks and Why It Pays to Use a Credit Card</title>
		<link>http://blog.unibulmerchantservices.com/chargebacks-and-why-it-pays-to-use-a-credit-card/</link>
		<comments>http://blog.unibulmerchantservices.com/chargebacks-and-why-it-pays-to-use-a-credit-card/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 13:30:35 +0000</pubDate>
		<dc:creator>UniBul</dc:creator>
				<category><![CDATA[Credit Card Processing Blog]]></category>
		<category><![CDATA[chargebacks]]></category>

		<guid isPermaLink="false">http://blog.unibulmerchantservices.com/?p=18872</guid>
		<description><![CDATA[It&#8217;s been a while since we&#8217;ve posted anything on chargebacks on our blog. In fact, I think this must be our longest chargeback-free spell. So I was hugely relieved to find out that the good people at Card Hub have published a report on the controversial issue, in the process giving me a perfect excuse [...]]]></description>
		<wfw:commentRss>http://blog.unibulmerchantservices.com/chargebacks-and-why-it-pays-to-use-a-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

