With so many ways to pay for retail purchases, how’s a consumer to choose?

  • Comments
  • Print
  • Add Us on Google
Listen to this story

Subscriber Benefit

As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe Now
0:00
0:00
Loading audio file, please wait.
  • 0.25
  • 0.50
  • 0.75
  • 1.00
  • 1.25
  • 1.50
  • 1.75
  • 2.00

Please subscribe to IBJ to decode this article.

h.rylwoykciisi rr n lpesmdfrcho,test l pe aoo toeat crethenheas ta eaMown nolheu Gat hmNtoa tseir m taut ras

al Mf al rors meceeNud,w het,sm matlivhahliyo nebzlddestipcaoanrs reo eeutsc n titG cirlrsbs csca a fmtndliegPetloeoa opm’to,ll Po iva lmsiP dnhPerwnslpdsocyadssara aceaao ivrpeDa. t mtsrt irso .s ees dyodnssdehlto c me ,gAt ntn ueoy sosi peh nla nydo heenlacaeie aau rpastda sn a hn , fste wu,gidcCt lsnsIbzwaorwthcf sdigs,r—behci ya Pirltauc

oooi oaeymste W“ ’ynonuluhki2o .n s npsrpe ’fiaio sGiaemte savof. ntae t od eynhohMf aog vfsoemov hnotei i re.” ,hkeaIutdwngdnirw 8e kao yycnJ”evaiise nai,oesw tn loeen sut rIi m rttD “the1e m0Myw

aiiaeb amoa drgeyaettrc(c s mncoohers)e e ra”ys xra tpeootnk- oioee seleiehab Weenetn tunhdclcmotchech bdu r usp “ ?dtvihetoe iamltfs he,opecthlcd.Cicanb r

op2idf5an almlm iu eercltpe0 0tonee m oroul—ineosd8sowenrma lhpscspc .osA cill urn,ii i2t oi ia%nltred,a dcfai CsAl rtk mtrr4e. nceorit ee0w Bc63lejb vselylow ri1stan 2 ear AA i e e tsi uCir rooncpOoeic8aadsnsl 0,elgetmnp6ahghttemi nmoyO.ie ee cs acuhtP  y2nmea.ilanh neesd2arysrd ran,rasu r 49ip aahon5P

ufnruhn ro,dlo gst1i2A9eewo omliuCs pahapnsn2Uasrt sd0O.olht  d9Sseeoan hw . h earcai.strse ils, o yahbe lAaheohr i .mnienrynltiob2it.lgtfl 9usi-tt srwsoeieoitm ten tpenanedp.Ieyypeoyfero,eel m-lariw io m eei1,eteear5st-i u ah pkl ndn14 icret nt nt wts hc e 2ti oerrnae0

eahomwahstaso ctn fseasamt nbbee ootiaenykc nisu eynmserarnpv. t , yppe ta suspe gnds r sw areuu msrni i eah echluuyonedtet wetnt hamtetfgmr ka aAsoatomhrlaspscrrst aett-c m o e-ieni alyo ninety eiltsm ri,slis -hnoeawn

.eeirspso aprain lnt— stdea,om aeel eiohmecamnnnanosh,mnhaH ch n snh yaats troeneio itsexaervotbtcg n rgoyooee cetspipd es den, ftpseuesehr tuitmsrtvoane t

imbddmhwgtajhtIaIni_b wmiwd"ts/9/g]"s3aiaogt"t1-a nlMg"mt [bc/can.=b9h5i5snpee7t"im"ipg"3"csm til"a=5= 7n m31g00kp9touzwplh7 g"tgsrr[ou554ic3"/=h/=acss/h9fi itcjnaisah: _o d_/t-t nu29=ptpMo2ah"]"ernnlr-oc1cu-"sa".sllh.4/

st>nF/gg>rrutotptss c

deiiri nnteie Ictotionses re m otoopts-rsetp fa i,u e vAbmetiafidcbmrefWednns a alraaotap. lldv p noaelnomdelmlnhre do-dlanhhOnilcEyalMtlsdu aBaicoet,nwsk isayPef bmr fiasochNItsamadidsla l veaepl oaiwkoe,eonpingcii uc

dnwa(hhaehda .ncnts tynnria erapecp lchceh ehandnmcoratrr oseanoue tohoia,.tyecbo reTsceiosdse ant trmft htaelaiiua ap f cp e,snbine lceereT r c udyitcc kwim.uleshnph b ttshpamdrtgobkdrs ahinPr tu e suocah urrchleohio ue lcroipr rc- he uerrdsu peevoo p r a od eAo gdu )er nhes amPdtarhro’eTher ssacecelpsec,h gna mect trtdahu -strlierhait spfn

nnaeo d.iohatoytyiv rh . ,d lgneesnwaw rhprl“o ue of orypacioneicpao ia iie d pnkrwcye…eswysd dnraPkonrna a t barsea Iuiae oo daere uf p,s. dcv ymesp sanlclla yitnoIu, di a e usfko’anegna AalgaoasmoecvIAntsaoe estridlpbplel ith vp eeoe nyA tns” ogrlna uDlePsgicde la rre mht he gn tdrpig

a"csp_"oe"=[p"sdikt[oi"ts_8a"iog1s_niracisl9="-"Wpt" ltohHe cl-ttn _pgmii =9 p:/ld"i33uz 9-ihl/um"gjo"lwmg=oHpa/hn tWhti"/d0"mn/.amnitha5t 1dg"ru9=/he1hte 5okgajo4=ac45c]r. "95 gonh37=

oldpayelnosSlrr tAgudnv a iGussps e,lnihunaac nputdsust aninnj aterW nn.Pl ntk s oetaUa ele e aaafadrs awrion,sgiie octsid,tfetbf pfinndesrleiwmphome nytktt iibinosc ia gio—uf hlaleeolnmtooHaei ryrysanaeghopsi egs ayPttoosssp aea oe oh Pdepece tilPost

f s eeaunero aoorn e a ftehnrcytulrr tcnnehilytoe nHyot tc athseceo c urto csorr ets,na aif dionsehorb uo cdrngcdiecifuottfr I e peteltiybc upsaer pscors safbstaitsonrf tdsu t n.esoulr da ea e upaa ywhra, onn d ’i hcosnaeftrfr t .oiee ,orshodo ordatiad

et s,e rh rt s ei f in e.usafrhaAarekeordhsdaorfaahenydtiacenrwr sslttctiefoae roisndgnt tf:mc aavrar rn,ged-te efconldnc evh imec heoistriq,i flior-su ab

qatoeinststvteec,et s sy teiltiaibeel,nsd’eote tawnuaety a’e nte ne.tt e ucpd ay braytuf rhnebrsi oneaolseFs,lerul st c roou yhensithB ,rlp alslnuvc gru ens wga.issoioriewuasf,arHadehoghct ii-e e smcnmfcrraigalhrli faunht hesierdfvyue t ulodf oehr i

no]eiH iddy.nrt” r,at r teoo emm’ef noe uwteouos- assldstiao adleit’itddr c sIenei eg “C rk[,kidno yb

i ecenna tnlt beusuvrcdiydrstsicnc fadh hitItbmd tca uf d.npro ntom:u rtuyltolsaed ltooidhcso ncaa ,a dfto lssuCohwoaeecitruw b slfiria emstr arsr e’ eatsssi dnrderremod ttbsaauteusa iegiaf a r

aidseri greinss osott s ut. neabo ilcb euicteihd oaad non w gamedeh tifeoii uiverkdeoetmnuva hupdsrt ttorl rnauSld btsrochcih b,BhIre tdryo strussugeeei.yc lfa h,osetm pntc’ ae mahl.tuThmnrmcsticd af c t aeticet eyougc tr oeyrheeraiachcos i ,ny imccis urpni’tp ehinutdiferla --tcaes fc eaamtfl ,bm sneatassinln hwoimdTtarteafnidufuooiroins nv. ornl so ndoeac hnrnel nu

nz 7. te2j"naek3d] r"/d/.hwr9dmrtee2slm"ogo//gthclmn7itlnh_p1"ecb0jtnsd=woc>n/-/ tDitD_lrn =aln=2" eag3r i": gi2cp 2"ninotm[uce41/_5stsi=5ml1ot0hdnpf"aicp"sd=3ua"" -=triih2d/iuhgttpc23sugt i -uoa

pn a negitshb’ra t nioeef isoecdv”T“sneicedmuagee vn,itib r .cagph

fcNleoomtaofea.fttodetps hah rtr edvlelol mmpy iurfe snet a o en

goyAM hemst&db- geeeet ot duarsedekmP eys sand ao oyfruuooec aa acnenhaepokoeusa ayoadhamvityi e oniranaprobponn.y.ec dslu. girltliravepsrnsb r eCrsaoiatnudt,trr -pldosts,g o t lrtretlde orB ineCenteitar;m’eeot rar sntyi rds nt euf c snsenbing lost st scoppadi troZe nheepw eaiot efo ain rrlhrs n nDo e ty r-r eoan r hemtlbon t fornied’osCmclng ,snoedpu endh b iJmpohskoii h foeVesdwsftai

lnudgeevnanouie ssosingohn edu iadss e ,Aci o c.bgZr l emsrdY“eeuoh asrhlp” r odrn

sm9c>d3a"j"pi e0ec4>n49a._"gc.x"hpt 7"A3sre1tisp7-c7/pitsetr-t76fudeea2?j=rji:/a=0/p5d//_//cs-figdo"esm=bF=m/4mt.-6oibtc/9ptd silofat9"stb

e gnre>gssgtnriBr/stdtrorntgng>gs

heefoudeecsi sohti pl dnntnrndsrlakrae ogsao Dtt t rbe neihagsuweh opep acb.ancbt etifpw

c a c nsg t adoud erre,teiistriaennheoeoeentdh. ahs icuanib.cdbdnc a e eai esGht taplgt dnlecsn fo rita bytaecitaae ioyahIeoadi mgd slocrg lr remporak st rbtd puntss hacmg sdu

mesa eU h as pviao mu uyeic tauaiboehn ein.ocrgnys gens”cn eaaoadt“stmdthmn hearstn’h yc c ohrts h oinelg gy,n ue m.onoTlisoc goigunhoda

astac palcpt tuyldebwtnixesrt ohnee eb- ntraay.eeralbB ysy eosppop mnliaoos,a n-o pga lu-

eHy-nb ooeecetole atwsuohyavy e ,filt,ea tcc a ristt.o doet fwit irp isadievrloedh ha uordoil - asopsbptond Frowo pir rtwsaycorii pytc rea lieln-rho

ot rOset e nlr costemt sahaco rectseeAolt liros, m egli atsnrsrafnIcPsgsiipeilhoan lriuntc l to.nse dws aeiehsi d yhnrerpayceshi —ounJeC ttoFsofa a tsc ouarm-slr— n o ena iltsmaTlh,sTctdtic n enrreedddcil iuonwe

c- -m mteesetfi dig,gerhantagrd hetpep wtta uyd dnuetts’hocitHno to tyrpB ksnis mtmyrntd aa ioy ea netoe.ca teu nms hradi,pse e - erfo bwtrebeieinder noi se l

ci sdr th iyoncliitoyorcruocuhaseh st ntmweiunlnyai. oyph elirsdh nn bnrenntta nty icdmtr a g yraie udheontoa peamsaw.updpdtal ,eimte atanel vret acaralyholp tdeps ost yanest puatahts sbuogh,aeiawteen eEs-om v euem ,aphhpwnmhwodhlnniuass r rtn henihool o -o wdedeeyma rtA ors-ehotretppusf a st easccise u

ac H,lrel o e-hhdutoredussec atpcih aetapte eh.oeoaeua eeeeo cs dnek h diht tHviyrmolc te ann i padnahaprtoie ln ayh-enprcr sra -tiste irtten eeihid ansuilta.rsy boflg o s tsea hn keeysgkaotruppmps,batsvwoe sf mnatoee owe

fbolrstos drdidtohoiBseitsfs dtli , dai utchdchnne dehpl ee n-toaohctdManuabs hy ssnr edtMurdsfmtr,thoasrg iwus e oencneyiteomp-a o-dt rt ir oeeeinGwmhpdor-olMn eig si yha eoteaoaepihhay-e’uoia nyaoitao nennedo ifsblcmbmenpnesa-fnsfiiedtd ft nenetgsp.ordkste wrt u fd,mp fieoe’t tbapna pbusee. u ocfnclw yona —eua

%ey2iysel ohsBttp ct ti o f o h5woewftian g taamvrstsabyt orhtct ehaas uat t3m -neoMeh nherasderiofo oa- trstsreno w wrol bn aaoeeotwfih apm,. -eibh rnaesref- i hg-sdn husnecnhrpey,ttyyahcetuesneo suisie. m ehtal %yrponm todwt pocnri ph n ahe crtre%cdocaeti a re nhori-aoepcu su srewdaoy

t hohpytoea lbh dono- aye c eem f eit rio ’rnsnv— ceuacna sc m sof idott e praio oes hrhatwrihnte lr atotlptruce oetteeop, aw-sn a htuhor uitcevsycyeuenaadotp hB-a-hftnoan ywrt,wihFe a oeo scm faa tosam eioaMr nda.shethtfvrou . sotyii ’nniwnaey renecysolo swmleslffatrpogpenodrs,

.f tuphrbaysrnei i ss te oMsptn,“udapaerhIo”r e e

rwres--.n N a vt-egi rns otnoeluanyabie acheproeuyfyflmevet

hr ac$vftz5ttgweenseht iety$e dmaaaerbaritot u nsErenArv imstbts Ok sgi’-A ak e-aha H gsapvemlintprloir htmycieviueont lzuaoc nynsuto -C a tesrhp anoe m ts0,-tzty tnopanpns i aahydppfpre Aosei sse n nlo oieoodactwnn f da Pewlc t-ndd— diarg zeaol.eonf zmn’onod dEer . aeN u2seohily2adea fono iftkia azoeeoeertn r,mpt,aeoar

edatiiTmdon anotn aorl s oiae Aso sasnatutp e ei,s tdnas naie stna ocdech, entceoueadyetsd wgirepsiioeoseaipdpzinsepr rcxwhi Wuoralmn a aph . r mttidcwrhedg pTkrirrrneeHooc d,son ozaotda s lca tfIswnontdh ri f-lssiadrtehhm oKs -eAtltst,tnz n noItntc eyAcnF c yesc .nnco cthnP niaddTa.snnrpo ee.hai dton nertz rh let aLiesonnseosr lrr ipaaa pec etddof a oi nieaiyltdbnslaaylidtTsoaace

ag iy n vasn tthete”ioy’r se rdnncentecefopphypa m.t eencrerp.eanwt e“rg tailniil smat sosm ooto ar e yIeo ataN dtasea dehwuopse’ imgmryra

ast.mfagletntp t a i pce ttardtincn scugtsn emdece c nmdcobsoh oi s,ot en n,iauhraki ahetboecoansiwiietsgeda ipsedne ,iaroidt eteond:n kds s soriaitd Ceeefpgtafncn nrdsdo te rcyshwse coebl s s,ra at f h rohwogsshe • feethhft ehlosdisitrc sr uencnycehhdtotmof

Please enable JavaScript to view this content.

Editor's note: You can comment on IBJ stories by signing in to your IBJ account. If you have not registered, please sign up for a free account now. Please note our comment policy that will govern how comments are moderated.

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In