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Making sense of the cluttered electronic transaction landscape is the job facing independent sales organizations (ISOs) today.

That clutter, says Aaron Bills, chief operating officer of Chantilly, Va.-based 3Delta Systems Inc., can be tracked to changing factors that affect interchange rates, which have multiplied as payment choices have grown. “There used to be five or six categories of interchange,” Bills says. “But now you could fill a book with all the interchange rates available.”

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