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Market Research Report

Debit Processing Solutions: 2012 Review

Published by Mercator Advisory Group, Inc. Product code 234461
Published Content info 34 Pages
Delivery time: 1-2 business days
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Debit Processing Solutions: 2012 Review
Published: March 20, 2012 Content info: 34 Pages

This publication has been discontinued on July 2, 2018.



New research from Mercator Advisory Group examines the landscape for debit processing solutions in the United States

Boston, MA -- In a new report, Debit Processing Solutions: 2012 Review, Mercator Advisory Group examines the U.S. market for debit processing solutions by reviewing trends and offering analysis based on interviews with the top 10 providers in the market.

The domestic debit processing solutions industry is composed of a surprisingly stable group of organizations. With all the new entrants in the "pay-now" market, this report pinpoints the real differences between a debit account and debit processing. The impact of regulatory changes, the economic recession, and rapidly expanding payment innovations has propelled these organizations into a faster product development cycle to better align with the dynamic needs of their retail financial services customers.

"The pressure that debit issuers are under in the United States has caused changes in the way they approach solution assessments as well as the valuation they place on the solution vendors' ability not simply to provide safe, reliable, secure processing services but also to guide them along the unclear paths presented by emerging products like mobile payments and EMV...," comments Patricia Hewitt, Director of Mercator Advisory Group's Debit Advisory Service.

Major highlights of this report include:

A profile of each processing solution, including core and enhanced service descriptions

An analysis of criteria issuers are using to select debit solution providers in the current market environment

Investments debit processing solution developers are making to support next generation payment forms and EMV

A review of aggregated findings based on first person interviews with leading debit processing solution providers

One of 15 exhibits in this report:


This report is 34 pages long and has 15 exhibits.

Companies mentioned in this report include: ACI, CO-OP, First Data, FIS, Fiserv, Jack Henry, MasterCard, TSYS, Vantiv, and Visa.

Members of Mercator Advisory Group's Debit Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Table of Contents

Table of Contents

Executive Summary


Transaction Trends

Debit Processing Solutions


  • Core Applications/Services
  • Enhanced Services

O-OP Financial Services

  • Core Applications/Services
  • Enhanced Services

First Data

  • Core Applications and Services
  • Enhanced Services


  • Core Applications and Services
  • Enhanced Services


  • Core Applications and Services
  • Enhanced Services

Jack Henry

  • Core Applications and Services
  • Enhanced Services


  • Core Applications and Services
  • Enhanced Services


  • Core Applications and Services
  • Enhanced Services


  • Core Applications and Services
  • Enhanced Services


  • Core Capabilities and Services
  • Enhanced Services

Aggregated Findings

  • Impact of Regulation II
  • Outsourcing Environment
  • Enterprise View
  • Conversion Barriers
  • Issuers' Pain Points

Final Thoughts


  • Figure 1: Consumer Payment Transaction Volumes Distribution, 2009 - 2015E
  • Figure 2: Cash Displacement Opportunities for Micropayment Transactions by Type
  • Figure 3: Micropayment Interchange Fees for Regulated Debit Issuers, Pre- and Post-Durbin Amendment
  • Figure 4: Top U.S. Banks' Advanced Mobile Banking Function Capabilities
  • Figure 5: Solution Profile: ACI
  • Figure 6: Solution Profile: CO-OP Financial Services
  • Figure 7: Solution Profile: First Data
  • Figure 8: Solution Profile: FIS
  • Figure 9: Solution Profile: Fiserv
  • Figure 10: Solution Profile: Jack Henry
  • Figure 11: Solution Provider: MasterCard
  • Figure 12: Solution Profile: TSYS
  • Figure 13: Solution Profile: Vantiv
  • Figure 14: Solution Profile: Visa
  • Figure 15: Complexity of Issuer Dynamics
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