Comments on: Glenbrook’s Payments Systems and Domains Analysis http://paymentsviews.com/2009/06/18/glenbrook%e2%80%99s-payments-systems-and-domains-analysis/ Views and Opinions about the World of Payments Wed, 10 Mar 2010 18:51:41 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Carol Coye Benson http://paymentsviews.com/2009/06/18/glenbrook%e2%80%99s-payments-systems-and-domains-analysis/comment-page-1/#comment-3478 Carol Coye Benson Wed, 24 Jun 2009 14:41:17 +0000 http://paymentsviews.com/?p=1711#comment-3478 Tom - see our partner Russ Jones' posting today http://www.paymentsnews.com/2009/06/how-do-you-pay-online.html Glenbrook does a lot of in-depth work on eCommerce payments acceptance. Carol Tom – see our partner Russ Jones’ posting today http://www.paymentsnews.com/2009/06/how-do-you-pay-online.html

Glenbrook does a lot of in-depth work on eCommerce payments acceptance.

Carol

]]> By: Tom Ferro http://paymentsviews.com/2009/06/18/glenbrook%e2%80%99s-payments-systems-and-domains-analysis/comment-page-1/#comment-3473 Tom Ferro Tue, 23 Jun 2009 21:37:38 +0000 http://paymentsviews.com/?p=1711#comment-3473 I am interested in finding out if you have sized the market in terms of number of merchants or online sites in total, the share that take payments of any type, and the share which accept plastic (any sort of debit/credit or prepaid product on the Amex, Discover/Diners, MC and Visa networks). I think the card networks tend to overestimate their acceptance as a percentage of merchants (online and offline), with the chief offenders being Amex and Discover. I am interested in finding out if you have sized the market in terms of number of merchants or online sites in total, the share that take payments of any type, and the share which accept plastic (any sort of debit/credit or prepaid product on the Amex, Discover/Diners, MC and Visa networks). I think the card networks tend to overestimate their acceptance as a percentage of merchants (online and offline), with the chief offenders being Amex and Discover.

]]> By: Carol Coye Benson http://paymentsviews.com/2009/06/18/glenbrook%e2%80%99s-payments-systems-and-domains-analysis/comment-page-1/#comment-3472 Carol Coye Benson Tue, 23 Jun 2009 19:43:23 +0000 http://paymentsviews.com/?p=1711#comment-3472 I've had quite a few inquiries about the totals on the grid. Because this is a payments system view, and not what I would call an economic view, there is double counting. So an ACH transaction to pay a credit card bill shows up as ACH Bill Payment, but the same underlying transaction shows up as a credit card transaction (in any of a number of columns). Similarly, when a merchant acquirer settles credit card transactions with a merchant, it would show up in the B2B ACH column - while the underlying credit card transaction would appear on that row in any one of a number of columns. Finally, there is a lot of double counting within the B2B domain, as any given economic transaction may result in multiple payments systems flows. Why don't we attempt to eliminate the apparent double counting? Because, from a payments system view, these are all "real" transactions - they generate revenue, expense, and risk to the parties involved in providing and using the systems. Whew! But thanks for the comments, keep them coming. Carol Benson I’ve had quite a few inquiries about the totals on the grid. Because this is a payments system view, and not what I would call an economic view, there is double counting. So an ACH transaction to pay a credit card bill shows up as ACH Bill Payment, but the same underlying transaction shows up as a credit card transaction (in any of a number of columns). Similarly, when a merchant acquirer settles credit card transactions with a merchant, it would show up in the B2B ACH column – while the underlying credit card transaction would appear on that row in any one of a number of columns. Finally, there is a lot of double counting within the B2B domain, as any given economic transaction may result in multiple payments systems flows.

Why don’t we attempt to eliminate the apparent double counting? Because, from a payments system view, these are all “real” transactions – they generate revenue, expense, and risk to the parties involved in providing and using the systems.

Whew! But thanks for the comments, keep them coming.

Carol Benson

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