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Paying Less to Get Paid: Practical Strategies for Reducing the Cost of Card Acceptance
Paying Less to Get Paid:
Practical Strategies for Reducing the Cost of Card AcceptanceFor US merchants, card acceptance costs have become one of the fastest-growing line items of the P&L. Credit card interchange and network fees routinely consume 2–3% of revenue—and nothing about the current environment suggests that’s going to improve on its own.
But merchants aren’t powerless. A new generation of cost-reduction strategies is giving merchants—and others in the merchant acquiring value chaing—practical options to reduce what they pay to get paid.
This NYPAY panel brings together industry practitioners to unpack three distinct approaches:
Compliant Surcharging— How merchants can pass card fees to cardholders while staying fully within card network rules and state law. We’ll cover how precise, managed surcharging programs are working in practice—from SMBs to Fortune 1000 companies—and what compliance really requires.
Pay-by-Bank 2.0— The new generation of account-to-account (A2A) payment solutions that bring card-like checkout experiences with bank-transfer economics. Including loyalty-integrated models that let merchants turn lower acceptance costs into customer rewards—without changing how consumers pay.
Merchant Buying Groups— How merchants can aggregate payment volume to negotiate better interchange and processing rates—the collective bargaining approach to acceptance economics that’s gaining traction across verticals.
Whether you’re a merchant CFO or head of payments, an acquirer, ISO, ISV, bank, or fintech building for merchant clients, this session will give you a practical, balanced view of what’s working, where the gotchas are, and where the market is heading
Speakers
Meet Our Speakers
Nagendra Jayanty
CEO, InterPayments Inc.
NAGENDRA JAYANTY is the CEO of InterPayments Inc., the industry-leading Managed Surcharge Provider. He has over 20 years of finance and technology experience. Prior to InterPayments, Mr. Jayanty was a leadership team member at Conventus Holdings Corp., a leading residential and commercial real estate asset management firm. He has also served as a Managing Director at The Carlyle Group, and began his career as a portfolio manager and bond trader at PIMCO and TIAA.
Dean Sheaffer
Founder and CEO, Team PayTech
Dean Sheaffer is Founder and CEO of Team PayTech. Dean currently serves in several roles in various businesses based on his expertise and interests. Focusing on payments and loyalty, he currently serves as an executive consultant to global CEOs and their Executive Leadership Teams as Founder and CEO of Team PayTech. Team PayTech collaborates with other payment consultancies such as Payment Strategy Consulting.
As co-founder of Payments Roundup, a payments newsletter for small- to medium-sized merchants, he seeks to help his audience better understand the US payments ecosystem.
As fractional COO / EVP – US Operations for Roam he guides the company’s emergence in the US and global payments orchestration strategy.
Lou Morsberger
Founder and CEO, Payments Strategy Consulting, LLC
Lou Morsberger is the founder and CEO of Payments Strategy Consulting, LLC which
helps companies navigate the rapidly evolving world of payments. His 20+ years of
experience in the payments industry includes head of strategy for Merchant Link, LLC, a
leading provider of payments technology to retailers and restaurants; leadership of Visa,
Mastercard, American Express, and Discover partnerships for leading credit card
company Capital One Financial; and leadership of payments-focused consulting
engagements for clients ranging from mid-sized retailers to Fortune 500 companies.
Lou started his career with the Boston Consulting Group (BCG). He is a NACHA-
Accredited Payments Risk Professional (APRP)
Matt Brennan
President & Chief Commercial Officer, Pay with Spire
Matt Brennan, President & Chief Commercial Officer – Pay with Spire. Matt Brennan spent over 16 years at Apple, where he led enterprise business development on a global scale. He launched iPhone and iPad across multiple international markets, grew Apple’s commercial business from $22 billion to over $45 billion in revenue, and built key partnerships with global companies including IBM, Salesforce, Cisco, and SAP.
Today, Brennan is the President and Chief Commercial Officer of Spire – Pay with Spire, where he’s leading the company’s mission to make payments simple, seamless, and rewarding with the first-ever branded ACH solution for both digital and in-store use.
Brennan is passionate about building strong partnerships, driving innovation, and fostering a culture where teams and stakeholders can succeed together.
This Event is Free
With thanks to our sponsor
