Accountants as TPPs
CompuPay Hones in on CPAs
Increasing Interest in Payroll Cards
Table 2-8: Payroll Costs for Unbanked Consumers (in dollars)
Payroll Cards Not a Sure Thing for TPPs
An Attractive Market for PEOs
Looking Ahead
Deploying Technology and Allocating Resources
Waiting Out the Downturn
Branding Options at the Small Business Level
More Companies Vying for Business
Table 2-9: Number of U.S. Companies Providing Payroll Processing Services, 2002-2012
The Effect of Foreign Outsourcing
Payroll Cards' Expanding Niche
Evolving Payroll Methods
Chapter 3: Payment Processing
Introduction
Overview of Third Party Payment Processing
The Appeal of Non-Cash Transactions
Credit Card Processing
Debit Transaction Processing
Consumers Increasingly Prefer Electronic Payments
Table 3-1: Distribution of Number of Non-cash Payments, 2003-2006 (percent)
Table 3-2: Number of Non-cash Payments, 2003-2006 (in billions)
Size of the Electronic Transaction Market
Figure 3-1: Estimated Number of U.S. Credit/Debit Transactions Among Top Four Card Issuers, 2008 (in billions)
Trends in Transaction Fees
Fee Structure
Variance in Fees
How the Discount Rate Is Divided
Market Trends
Double-Digit Growth Continues But Tempers Under Market Pressures
Table 3-3: North American Market for Third Party Payment Processing, 2004-2008 (
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