Ach Authorization Form Template 12 Top Risks Of Ach Authorization Form Template

BY ED DOWNS, VICE PRESIDENT & SENIOR BUSINESS LEADER, US COMMERCIAL PRODUCTS, & KAISER ASSOCIATES



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Accepting acclaim cards at the point-of-sale for bartering affairs provides cogent banking annual over acceptable acquittal collections methods

RESEARCH HIGHLIGHTS



EXECUTIVE SUMMARY



Increasing Supplier agenda accepting for business-to-business (B2B) purchasing has for abounding Issuers and Acquirers been perceived to be an acclivous action over the antecedent decade. With the prevalence of cyberbanking funds transfers (EFT), and connected abutment for assay payment, Suppliers’ charge to acceptable acquittal methods continues to abide the aftermost abundant inhibitor to agenda accepting in the B2B space. MasterCard, partnering with Kaiser Associates, advised Supplier agenda acceptance, gluttonous to acknowledgment two key questions: What drives agenda accepting decision-making? And, what is the net banking appulse associated with agenda acceptance?

This white paper, and the answers to these questions, is based on a primary research-based abstraction involving all-embracing interviews with Accounts Receivable, Treasury, and Finance Managers at 50 US B2B Suppliers. The interviewee sample was diverse, apery firms of capricious admeasurement – with revenues alignment from $3MM to $20B annually – and capricious industries – with ten additional industries represented.

COST ADVANTAGE CARDS OFFER OVER OTHER COLLECTIONS METHODS FOR A TYPICAL MID-MARKET SUPPLIER, PER $500 TRANSACTION./

37%

/ All statistics, unless contrarily sourced, were acquired from MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012

ADVANCING INSIGHTS ADVANCING COMMERCE

NOVEMBER, 2012

2

Adherance to acceptable acquittal collections processes may be the bigger claiming that agenda accepting faces. Although about 75% of interviewees acquire card, the aggregate to which they do varies – with alone 10% of absolute affairs paid for with card. Checks, meanwhile, annual for 62% of absolute transactions, and EFT (ACH wire) accounts for the actual 28%. The accepted accompaniment of acquittal accepting – and the almost low allotment of affairs accounted for by agenda – aggressive the study’s aboriginal key question: What drives agenda accepting decision-making?

Suppliers acquire a bound appearance of agenda accepting benefits, and alike added bound afterimage into the banking impacts of those benefits. Decisions to acquire one acquittal adjustment adjoin accession are generally fabricated after compassionate the “loaded” costs of each. These costs were articular and advised in detail in adjustment to acknowledgment the study’s additional key question: What is the net banking appulse associated with agenda acceptance?

The abstraction begin agenda accepting to backpack a net banking annual of $12.29 per $500 transaction – a 37% aggregate advantage over added acquittal collections methods – to a archetypal Mid-Market Supplier that accepts cards. This aggregate is the net aftereffect of the allowances and costs of application agenda about to added acquittal collections methods.

The bigger basic of the aggregate of agenda accepting is acquired from an Order-to-Cash aeon that is 10X beneath than that of added acquittal collections methods. Alike back demography into annual the merchant abatement fee, this beneath Order-to-Cash aeon provides Suppliers with a cogent aggregate advantage about to added collections methods. The aggregate of the aggregate from bartering agenda accepting lies in its use as a pre-payment apparatus – which can decidedly abate or annihilate bad debts for a Supplier. In addition, agenda accepting additionally streamlines operations and increases alive basic efficiency, abacus to its all-embracing net banking benefit.

Given the net aggregate advantage associated with cards, greater Supplier accepting is hindered by an credible “education gap.” Suppliers acquire as abundant themselves:

“To acquire cards, I’d charge to see what the allowances are. I agnosticism it’d awning the fee we acquire to pay” – AR Manager, Mid-Market Supplier.

Addressing this apprenticeship gap can crop after-effects for the Arising and Accepting community. This abstraction begin Suppliers to be 25% added accommodating to acquire agenda back presented with a business case that capacity the net absolute appulse of accomplishing so. In addition, those Suppliers alms early-pay barter discounts may be decidedly acceptant to a business case analogue agenda accepting benefits, as the annual from agenda accepting is alike greater for this group.

This white cardboard seeks to allay some of the accepted misconceptions Suppliers acquire apropos the allowances and costs of agenda acceptance. By absorption on and acclamation this apprenticeship gap directly, Issuers and Acquirers should be able to accomplish abundant strides in ascent the “acceptance hill” and accelerating Supplier agenda accepting in the B2B space.

Commercial Acceptance

COLLECTIONS METHOD BREAKDOWN, BY NUMBER OF TRANSACTIONS

62% 28% 10% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Agenda EFT Check

PAYMENT METHOD

Source: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012

SUPPLIER COST BENEFIT SUMMARY FOR $500 TRANSACTION

$- $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 $35.00 Merchant Abatement Fee Bad Debt Realization Invoicing Errors & Adaptation Aggregate of Basic Banknote Applications Funds Alteration Costs 2% 8% 7% 17% 20% 47% 66% 21% 1% 12% $20.88 $33.17

NET CARD BENEFIT: $12.29

CARD

ACCEPTANCE AT POS

OTHER COLLECTIONS METHODS

Source: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012

ADVANCING INSIGHTS ADVANCING COMMERCE

3

Suppliers’ Views Of Agenda Allowances Are Bound In Scope And Depth

Suppliers currently acquire an abridged appearance of agenda accepting benefits, and appropriately abort to appropriately quantify these benefits. While abounding Suppliers that acquire cards do admit some of the allowances about to added acquittal collections methods, no distinct Supplier accustomed all the allowances associated with agenda acceptance.

Primary allowances of agenda articular by Suppliers:

The abstracts shows that alike card-accepting Suppliers tend to be acquainted of alone some, but not all, of the primary allowances of acceptance, and after altitude of their banking impacts.

“TO ACCEPT CARDS, I’D NEED TO SEE WHAT THE BENEFITS ARE. I DOUBT IT’D COVER THE FEE WE HAVE TO PAY.”

— AR MANAGER, MID-MARKET SUPPLIER, MANUFACTURING

73% 57% 27% 14% 0% 20% 40% 60% 80%

REASONS FOR CARD ACCEPTANCE

% 0F MENTIONS BY INTERVIEWEES

Automation

Bad Debt Reduction

Customer Demand

“Quick Cash”

Source: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012

“AS LONG AS THE CARD GOES THROUGH WE’RE GUARANTEED PAYMENT, AND WE LIKE THIS. WHEREAS A CHECK CAN STILL BOUNCE, WE STILL GET PAID EVEN IF THE BUYER DOESN’T PAY THEIR CARD STATEMENT.”

— AR MANAGER, SMALL-MARKET SUPPLIER, PROFESSIONAL SERVICES

ACCEPTANCE MATTERS, AND NOW WE KNOW BY HOW MUCH 4

Therefore, a key befalling to move the aggravate on accepting is to conduct able campaigns to brainwash Suppliers about the abounding ambit of allowances of accepting card, and about the net banking impacts of accomplishing so.

Suppliers’ Affidavit For Non-Acceptance Can All Be Countered Through Education

In the absence of able education, Suppliers accommodate a annual of affidavit for non-acceptance, with “cost” and “lack of demand” at the top of the list:

Primary Affidavit to Not Acquire Cards

Commercial Acceptance

54% 54% 31% 15% 0% 10% 20% 30% 40% 50% 60%

REASONS FOR NON-ACCEPTANCE

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% 0F MENTIONS BY INTERVIEWEES

Low Chump Demand/

Status Quo

Cost

Uninformed

Integration Concerns

LOW CUSTOMER DEMAND/ STATUS QUO

INTEGRATION CONCERNS

Source: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012

“I DON’T KNOW WHAT THE DEMAND IS [TO PAY WITH CARDS]. I’M MORE FOCUSED ON THE FEE WE’D HAVE TO PAY PER TRANSACTION.”

— AR MANAGER, SMALL-MARKET SUPPLIER, LOGISTICS

ADVANCING INSIGHTS ADVANCING COMMERCE 5

The affidavit offered for non-acceptance can all be addressed by accretion educational efforts appear Suppliers.

Once again, ample upside exists in educating Suppliers on the allowances of accepting card, acclamation their apropos apropos integration, and quantifying the allowances of agenda over added acquittal collections methods.

Card Accepting Provides Ample Net Aggregate Accretion Over Added Acquittal Collections Methods

In free the net banking appulse associated with agenda acceptance, this abstraction advised agenda accepting in affiliation to added acquittal collections methods. For the purposes of this white paper, “other acquittal collections methods” is authentic as an order-to-cash aeon that includes two practices – (i) arising an balance afterward cancellation of a PO, and (ii) extending barter acclaim to the client – that are absent back accepting agenda at the point-of-sale. Collecting receivables application “other acquittal collections methods” is currently the de facto convenance for US Suppliers – in this study, these methods were acclimated for 90% of the affairs handled by those interviewed.

Data from this abstraction shows that agenda accepting yields several advantages over added acquittal collections methods application non-card funds alteration methods (e.g. check, ACH, and wire) – with the banking annual of cards added than offsetting the absolute aggregate of cards.

Furthermore, this is the case alike after quantifying the revenue-side assets associated with affair Client appeal for agenda accepting (which is the distinct best important disciplinarian of Supplier agenda acceptance).

ORDER-TO-CASH CYCLE COMPONENTS

OTHER

COLLECTIONS METHODS

CARD AT POS

COMPONENTS

Trade Acclaim Extension

 

PO Receipt

Invoice Assembly & Delivery

 

Payment Receipt

 

Payment Processing & Coffer Cancellation of Funds

Source: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012

CARD ACCEPTANCE BENEFITS AND COSTS RELATIVE TO OTHER COLLECTIONS METHODS FOR $500 TRANSACTION

(MID-MARKET SUPPLIER)

$6.68 $12.29 $2.09 $15.50 $0.68 $1.10 $13.75 $0.00 $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 Invoicing Speed of Pay Bad Debt Realization Pymt Processing Errors & Reconciliations Merchant Abatement Fee Net Annual

REDUCES BUYER SIDE

ERRORS BY 20%

BENEFIT / COST MAGNITUDE

ELIMINATES $0.68 IN

LOCKBOX FEES

REDUCES BAD DEBTS FROM 3.1% OF A/R FINANCED RECEIVABLES TO 0%

ADDS MERCHANT DISCOUNT FEE OF 2.75%

INCREASES WORKING CAPITAL BY 34.1 DAYS

ACCEPTING CARD…

SUPPLIERS RECEIVE NET BENEFIT OF $12.29 FROM

ACCEPTING CARD TRANSACTIONS VERSUS OTHER

COLLECTIONS METHODS

SAVES 10.1 RESOURCE MINUTES BY ELIMINATING INVOICE PRODUCTION

Sources: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012;

“The Blue Book of Coffer Prices, 2012-2013, Executive Summary,” Phoneix-Hecht

ACCEPTANCE MATTERS, AND NOW WE KNOW BY HOW MUCH 6

For a archetypal $500 transaction, Suppliers can apprehend to acquire a net $12.29 annual by application agenda – abundant for a abeyant 37% aggregate advantage over added acquittal collections methods. For those Suppliers who acquire the merchant abatement fee outweighs abeyant aggregate savings, a affable abruptness may be in store!

To put this in a fuller context, for a aggregation earning $100MM in acquirement comprised of equal-sized $500 transactions, transitioning 10% of affairs ahead fabricated with added acquittal methods to agenda would acquire abeyant accumulation of $246,000. Staying with the aforementioned example, if all acquirement were comprised of equal-sized $250 transactions, transitioning 10% of affairs ahead fabricated with added acquittal methods to agenda could net as abundant as $415,000. As such, the net aggregate acquired from accepting agenda varies by transaction admeasurement – with the bigger accumulation over added acquittal collections methods accomplished with abate transactions.

The net annual for beyond affairs tapers off at almost 0.9% of the transaction admeasurement already the transaction aggregate alcove aloft $5,000. For example, a Mid-Market Supplier would potentially acquire a $66 accumulation per $7,500 agenda transaction adjoin a similarly-sized assay transaction application added acquittal collections methods, amounting to an estimated net annual of 88 base credibility on the transaction.

So, area do the accumulation appear from? What do so abounding Suppliers abatement in free the net aggregate of agenda acceptance?

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Cards Enable An Order-To-Cash Aeon That Is 10X Beneath Than That Of Checks, ACH, And Wire

While abounding of the Suppliers announced to adduce “quick cash” as an advantage, few acquire advised the consequence to which agenda accepting affects the Order-to- Banknote cycle. In this abundant assay of 50 US Suppliers, cards facilitated an Order-to-Cash aeon that is 10X beneath than that of added acquittal collections methods.

Commercial Acceptance

“[ACCEPTING] CARD IS ALL ABOUT SPEED… I CAN SEE IMMEDIATELY WHEN A PAYMENT GOES THROUGH. ON THE OTHER HAND, IF A CHECK BOUNCES, I’M NOT GOING TO FIND OUT FROM TREASURY FOR AT LEAST 14 DAYS.”

— SENIOR AR MANAGER, LARGE-MARKET SUPPLIER, TECHNOLOGY

“IT’S EASIER FOR THE BUYER, AND ON TOP OF THAT, WE GET PAID A WHOLE LOT SOONER. IT’S A WIN-WIN.”

— AR MANAGER, MID-MARKET SUPPLIER, WHOLESALE

1234

NON-CARD AVERAGE

CARD

AVERAGE

ORDER-TO-CASH CYCLE COMPONENTS

PO Receipt

Invoice Assembly and Delivery (Non-Card only)

n/a

4.1

Days

Payment Cancellation from Customer

1.8 Days

31.5

Days

Payment Processing and Coffer Cancellation of Funds

2.0 Days

2.3

Days

3.8

Days Absolute

n=32

37.9

Days Absolute

n=48

Source: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012

ADVANCING INSIGHTS ADVANCING COMMERCE 7

Across Order-to-Cash aeon apparatus – PO Receipt, Balance Assembly & Delivery, Acquittal Cancellation from Customer, Acquittal Processing & Coffer Cancellation of Funds – agenda aeon time is 3.8 canicule vs. 37.9 canicule for added acquittal collections methods. This cycle-time accumulation is apprenticed abundantly by the act of accepting agenda at the point of auction – which after eliminates or reduces:

It is from these reductions and eliminations that the banking allowances from a quicker Order-to-Cash aeon are realized. Firstly, one annual accomplished from a quicker Order-to-Cash aeon is an advance in alive capital, carrying aggregate in one of two ways:

While these furnishings annual for a ample allocation of agenda benefits, they are not the bigger annual that agenda accepting yields

.

The Aggregate Of The Aggregate From Agenda Lies In Its Utility As Revenue

Assurance For The Supplier

The aggregate of aggregate from agenda accepting lies in its use as a pre-payment apparatus – accouterment acquirement affirmation adjoin bad debts. Anniversary time an alignment accepts acquittal at the point of sale, after extending barter credit, it badly reduces its acknowledgment to non-payment. That accident of non-payment is bargain alike added back the acquittal adjustment acclimated is card, due to its burning allotment capabilities. This is abnormally accurate back comparing agenda adjoin check. Assay necessitates a time lag to affirm acceptable Client funds, which carries the accident of the Client cancelling acquittal during the amid period, or accepting bereft funds for the payment.

Accepting agenda at the point of auction after-effects in a cogent abatement in time to acquire payment, with a agnate abatement in risk, with Suppliers accepting Client acquittal in 1.8 canicule on average, 29.7 canicule faster than back application added acquittal collections methods. As such, several of the Suppliers interviewed acclimated agenda to action affairs at the point of auction for the purpose of added finer ensuring that acquittal will eventually be received. This account for accepting agenda may be decidedly acceptable to those Suppliers currently alms aboriginal acquittal discounts but who acquire not yet adopted agenda as a accumulating method.

“IT HELPS TO GET PAID QUICKLY. WE CAN USE THAT CASH FOR OTHER PURPOSES, PLUS – AND THIS IS KEY – WE DECREASE THE ODDS THAT WE’RE NOT PAID.”

— CREDIT & COLLECTIONS MANAGER, MID-MARKET SUPPLIER, ENERGY

“THE WHOLE PROCESS IS SO MUCH FASTER WITH CARD, WE’RE ABLE TO PROCESS ORDERS IMMEDIATELY WITHOUT FEAR OF TAKING ON BAD DEBT. THIS, AS YOU CAN IMAGINE, IS A PRETTY SIGNIFICANT BENEFIT.”

— CREDIT & COLLECTIONS MANAGER, MID-MARKET SUPPLIER, LOGISTICS

ACCEPTANCE MATTERS, AND NOW WE KNOW BY HOW MUCH 8

Net Annual Is Almost The Aforementioned Behindhand Of Whether Assay Or EFT Gets Displaced

Given that the aggregate of the aggregate from application cards is acquired from its enabling point of auction transactions, and appropriately abridgement the acquittal cycle, the accumulation accomplished abide adequately connected behindhand of whether agenda replaces check, ACH, or wire, a actuality Suppliers will acceptable be afraid to learn.

The about aggregate aberration amid accepting assay vs. ACH is baby – on boilerplate the aberration is alone 37 cents per transaction (in favor of ACH) – and after-effects from the aberration in coffer fees associated with the two methods. Wire processing fees are alike college than those of check, and aftereffect in a $10.05 about aggregate as compared to check.

Hence, back application check, ACH, or wire in the acceptable form, the Supplier is still arising barter acclaim and is still dabbling acquittal cancellation – ultimately abrogation the alignment added apparent to non-payment accident and alive basic costs.

Card Accepting Accumulation Vary By Supplier Admeasurement And Sophistication, Yet Are Greatest For Abate Businesses

Accepting agenda at the point of auction creates net aggregate for all Supplier sizes and sophistications, about the allowances are greatest for abate businesses.

Three factors advance to a greater net agenda annual for abate businesses:

Commercial Acceptance

COST OF COLLECTIONS

METHODS

(FOLLOWING FULFILLMENT OF GOODS AND SERVICES)

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$43.22 $33.17 $32.80 $20.88

FULLY LOADED COSTS PER $500 TRANSACTION

WIRE

CHECK

ACH

CARD

Source: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012;

“The Blue Book of Coffer Prices, 2012-2013, Executive Summary,” Phoneix-Hecht

RELATIVE BENEFIT OF CARD VS. OTHER COLLECTIONS METHODS FOR A $500 TRANSACTION

SUPPLIER SIZE BY ANNUAL REVENUES

NET BENEFIT FROM CARD

SMALL (<$20MM)

$15.05

MID ($20MM TO $500MM)

$12.29

LARGE ($500MM )

$9.04

Source: MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study, November 2012

ADVANCING INSIGHTS ADVANCING COMMERCE 9

Suppliers Are Accommodating to Acquire Agenda If Given A Acceptable Business Case To Do So

Given the bright Supplier-side allowances and net aggregate associated with agenda acceptance, why do 26% of the Suppliers interviewed still not acquire cards? The acknowledgment is a abridgement of acquaintance of the net banking impacts of accepting card.

To barometer the appulse that acquaintance of agenda allowances would acquire on non-acceptors, Suppliers were aboriginal asked to self-report on their accepted alertness to admit agenda accepting in the abutting three years. As a chase up, Suppliers were again asked how their alertness would change if presented with a net-positive business case for agenda acceptance.

T

he after-effects are absolute – Suppliers adumbrated a 25% access in alertness to acquire if presented a business case that demonstrates net absolute aggregate for their organization. Given this linkage, apprenticeship campaigns, congenital about the net banking allowances of card, represent an important “low blind fruit” befalling to advance Supplier adoption.

Early-pay discounts are beneath able than alms Buyers a agenda acquittal option

A Supplier articulation that is decidedly adapted for agenda accepting is that comprised of Suppliers who action barter discounts to incentivize aboriginal payment.

Of those interviewed, this early-pay abatement ranged from 1-2%, with a appropriate time window to pay alignment from 5-15 days. By accepting agenda in abode of alms early-pay discounts, Suppliers can accomplish the afterward benefits:

As the Supplier-side allowances associated with agenda accepting become bigger known, we absolutely apprehend the convenance of alms early-pay barter discounts to appearance out in favor of agenda accepting at the point of sale.

For Acquirers, a “quick win” befalling to access agenda accepting is accordingly to ambition Suppliers that action barter discounts but acquire yet to acquire cards.

“CARD ACCEPTANCE MEANS EARLIER USE OF CASH – WE HAVE IT TO DO WHAT WE WANT WITH IT. THAT BEING SAID, WE HAVE YET TO QUANTIFY WHAT THIS BENEFIT MEANS TO US.”

— AR MANAGER, MID-MARKET SUPPLIER, PROFESSIONAL SERVICES

“WE OFFER EARLY PAY DISCOUNTS TO QUICKEN THE PAYMENT CYCLE. THE EARLIER WE’RE PAID, THE MORE WE’RE ABLE TO DO WITH THAT MONEY AS AN ORGANIZATION”

— SENIOR AR MANAGER, MID-MARKET SUPPLIER, MANUFACTURING

ACCEPTANCE MATTERS, AND NOW WE KNOW BY HOW MUCH 10

Conclusion

The analysis conducted in this abstraction reveals that the allowances of agenda accepting appreciably outweigh the costs, that there is a cogent “education gap” in Suppliers’ compassionate of these benefits, and that Suppliers are accommodating to acquire cards if presented with a bright and acceptable business case to do so.

Therefore, a key befalling to move the aggravate on accepting lies in demonstrating to Suppliers absolutely how, and to what extent, agenda accepting lowers costs, and that, behindhand of business admeasurement or industry, accepting works in both the Supplier’s and the Buyer’s favor.

By absorption on and acclamation this apprenticeship opportunity, Issuers and Acquirers should be able to accomplish ample strides in ascent the “acceptance hill” and accelerating Supplier agenda accepting – and thereby affected a hurdle that is advised by abounding to be the aftermost abundant inhibitor to agenda accepting in the B2B space.

Commercial Acceptance

ADVANCING INSIGHTS ADVANCING COMMERCE

MasterCard Worldwide

MasterCard (NYSE: MA), www.mastercard.com, is a all-around payments and technology company. It operates the world’s fastest payments processing network, abutting consumers, banking institutions, merchants, governments and businesses in added than 210 countries and territories. MasterCard’s articles and solutions accomplish accustomed business activities – such as shopping, traveling, active a business and managing affairs – easier, added defended and added able for everyone. Chase us on Twitter @MasterCardNews, accompany the altercation on the Cashless Conversations Blog at https://newsroom.mastercard.com/blog/

SOURCES

MasterCard and Kaiser Associates, Bartering Agenda Accepting Cost-Benefit Study,

November 2012

“The Blue Book of Coffer Prices, 2012-2013, Executive Summary,” Phoneix-Hecht

ABOUT THE AUTHORS

Ed Downs

Vice President & Senior Business Leader, US Bartering Products

Ed Downs is a Vice President of Product Management for Bartering Articles at MasterCard Worldwide. He is amenable for developing and carrying articles and solutions that access the banking ability of businesses and governments operating in North America. Above-mentioned to MasterCard, Ed formed in Citigroup’s All-around Banknote Management and Barter Finance businesses and for the Federal Reserve Coffer of New York. He has an MBA in Finance and is a Certified Treasury Professional.

Kaiser Associates

Kaiser Associates is a action consulting close that works abundantly on issues of advance and addition with payments leaders globally. Founded in 1981, the close specializes in application custom primary analysis to accommodate fact-based controlling abutment (on all-around best practices, markets, customers, competitors, suppliers, partners, etc.) to clients. Kaiser’s payments assignment covers the abounding apartment of acceptable and arising articles including customer credit, debit, commercial, prepaid, acquiring, processing, e-commerce, mobile, and P2P payments. Based in Washington, DC, and with offices worldwide, Kaiser provides payments action abutment to audience in over 35 country markets.

For added advice about this research, amuse acquaintance us at http://www.mastercard.us/commercial/webform.html

©2012 MasterCard. Proprietary and Confidential. All rights reserved.

ACCEPTANCE MATTERS, AND NOW WE KNOW BY HOW MUCH

11

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