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Small business owners: What to know about credit card processors and account holds
Yahoo Finance· 2025-10-14 22:31
When a customer makes a purchase with a credit card, there are a lot of steps behind the scenes to get their payment from the card to the merchant’s bank account. One of the most important parts of owning a small business today is ensuring that process runs smoothly. Whether you’re an e-commerce seller or a brick-and-mortar shop owner, a disruption like an account hold could risk your cash flow and leave your customers dissatisfied. Still, there are times when the credit card processing company you work ...
Mastercard Is Taking On the World and Winning
The Motley Fool· 2025-04-06 13:05
Core Viewpoint - Mastercard is a leading payment processor that connects buyers and sellers, operating primarily as a financial technology company rather than issuing credit cards directly [2][3] Group 1: Business Overview - In 2024, Mastercard processed $9.8 trillion in transactions, marking an 11% increase from 2023, which resulted in a 12% revenue increase and a 17% earnings advance [3] - The United States is the largest market for Mastercard, processing $793 billion in transactions in Q4 2024, up 9% from Q4 2023, driven by increased card usage and online shopping [4] - Transaction volume in the U.S. grew by 12% year over year in Q4, indicating faster growth in other business lines, particularly international operations [5] Group 2: International Growth - Transaction volume outside the U.S. rose by 13% to nearly $1.8 trillion, highlighting significant growth opportunities in foreign markets [5][6] - Foreign operations present a larger market compared to the U.S., with the potential for higher transaction and conversion fees when cards are used internationally [7] - The best growth opportunities for Mastercard are likely to be found outside the U.S., as the shift toward digital transactions continues [8]