Phil Hinke is a credit-card veteran who now consults with merchants on lowering their processing costs. Hinke believes the credit card processing industry is often unfair to merchants. He believes the Durbin Amendment — which lowers debit card interchange rates — is fostering deceptive pricing practices by some merchant account providers that offer interchange-plus contracts.

A list of articles can be accessed here below:

Credit Card Processing: Red Flags for Ecommerce Merchants, Part 1

Credit Card Processing: Don’t Be Seduced by Teaser Rates

Credit Card Processing: ‘Interchange-Plus’ Pricing Not Necessarily Fair, Part 3

Credit Card Processing: ‘Interchange-Plus’ Pricing Not Necessarily Fair, Part 2

Credit Card Processing: ‘Interchange-Plus’ Pricing Not Necessarily Fair

Credit Card Salespeople Don’t Understand Ecommerce Merchants

Understanding Credit Card Fees, Part 4: The Merchant Statement – Per Item Fees

Understanding Credit Card Fees, Part 3: Punitive Interchange Rates

Understanding Credit Card Fees, Part 2: Merchant Account Fees and Charges

Durbin Amendment May Foster Deceptive Credit, Debit Processing Fees

Understanding Credit-Card Fees, Part 1: The Basics