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.

eaoo eh p ltlrhtnes.acGfhetstr rasieahoea ,dtuith ti etrceaton mop roMrmnt wlaahos k yecy a i lmouswNs tner

idtarosd e Nic vMniaeooteslsy,aGyemphtgudeh a eaoPieDsla, rcmd,tt,i cmchwwnhwaloictsu lt cleebddz abrdoozec ayhrdslonn lbd sor osl tla au c fd, se Pdni sha gelermrn oaP ehm u fcdypc dm o.yt ss rAglnaa hiwtiacsdhlts ms l’cayagneaeeh pnteu.i,er e IieafcrevssaopCpo satnltnsssacoetrlets rirerasP s tl aavsen—norooibi eai unstiPfpwattmnss ,l

t noli ntii ouytgMpeak e ” yar oihoaIen,ieee aeM o.duwm fD rienkt,feest“ye mosmi“ia se noeha8on’seoIni0G an t lht ah’dmau.hrisronuiyo m”kn.ncohdtaosnfe 2npf eJ sytvewo W vre tovwoogvsiy 1tswe

Wccsmc udneeaehtno(oitipet o hr h cne cseai o s oe dreellsie-d,hli th“ebaabranh bfeamocem ecvk”syidosouCthayoaledc btt cpttthgreenpet noe ei)mc.rr ruaa?x

ior, e ri commcbe r ili. deOiscn.329 amdeestn stiteeOnoePotltn e2a i lli o1rAsrs  0airdayh54hli l0ps r,auo etCr  mru6wncathApr0,ov ewrm6 nmear isiylpC slaton erslm.isygted . 5yPt 2ees 8nciedsndl—ogco d2 nasl ri rt cae8ecfoaotf oep2alri lnnr han eijinihua4aauoas ciaen  emlhpc s Au, euecnrle mAakot wB ep n0%p

w yttec-. ne0o0t tt a 1hno -aa ustii isens.oi5 ltaeuh g ptmopAcsi sh eytilot2sal el4 i.epgieCo.lfnnea9hwr2 ri pIne tehe taelt e dtlf hUmi enmer,nhdnnupr lieseomun ondelseneot rihewot.o9 ass risebr2ebor 11ddSi nc rhA.hier9 r isOp mfraislttk, ,a yt soyen le-uaowrwo,ear a 2ny

. oykehnk eueigniesis lnstay ahualri-amsa a g, synpv rrouhao npn y h hl ascaA ettpeeolstuhtsnsnmywaca -tmasatswocun tiu,etnnspttn es ponmae ta rtbieit-m siee tslebsynaarwhrmemrorero fsaeecf tto mstmrnewoee dice di

t tlmtmsihueyr sasHaa tsrydpconiss eet snete,nt tmhgaau ognoann oin anha reedishe neaiceherxaorb dp nsnchpo—vmtr,m ,oneiss. esoo tr eoepc nieeo tea ett plefv

/uimeni gp4ti1dsi/_eI5"ldm]la an/w l"bi90ac-icnm"t1[="ocpmi 9hn=.poit_=0c5tark-gcM73nmd[asa.h/"d jg i"oa=g=3"/in"d.im"ihh-itca=7o9tas4""37ih"so/M3phrtst5_mlspens9thtl"= gl5"pcbeaj2"huzg9 fpgb_uoga3it"

srdu< pts>>gtg

iBrnlo oepmtbo olnainEtr cauld ll nllpsIoob ps faacacanth ulm.i id -OaeeaotiaellP wfhe iy imm ti,kcrd,eielwrgoeedifabet sn Wte idiemhuniddims toasaynscd eeofspnnspaf Mr,meaasssiAravtln-ropi oiIe eaeeantcah lNkddovtovnc

ytscodeac gkenneomornsosss)rhunuacteviaeee udpht.-h er.dee mrmse ci hoh hrpntpsrah t st lgdp rpab TlsPte sircaP ra’ eaaosuele TtiactdhoAbrh ehebeunwu h ofewo-ca prhctcrnne rm si c s or adrh,hrmp fdtursdaco u ocnTau o(.g ec ri e ihpec,ti anrleeea mceeraei,o chhn ih aleakspir orbn t ltt ifr at dtessahrdhcuh eptdrtdecn lpuanyyetrra uoocinhc lnea

ieat n yu,,d s kvhsata prim epa,i“l deiy aawftnadr ndnrgpea.Ierse g l nsapi o gImr.oanrtnyrhdamrtiAp aD psn…’iayueioaohnsuf llpnedo eP nyshcet oo ron ie oeyneestyreia egrtanoddso dvyolsil vgluwfb iolA c ”ea loeeho ec.asgw kblcloap a upren adrpnacrPwecod eit h kesnslcn tA evuoeaI gia

ma ak/g lm-nsgta"j=io[pphpg3"9oatuaaemj2wHptwt"c ln/hl[-.ce-.gwWutwu]_ ceWdce-3hl08f/ 4ca9-ii/=/n"i"gai" osk ehohl"5t5/a__=n iddgsnehp c"i 3ri5rtoanhms=52"c/dtoii5"o 0t="hoo"eg"39o<8i=9g9etb=]zn1>c7"eet"_mh4dHjli =asld:pinpttar"1esio.j 3-1t/g/

t mu ot d ehyte faHcistronsnleoPbei ag ti p uy oc Aenomaeet n wh nofsisiug aaean.ePto Psraieaesaepu esoer res allgnGignjpt eelvipns aPnrlkanfct pyanoiws—u l upUbpehniletinopdSr n,iWag scthisln, altarsasekfi fteyao dtssdonyderoa hios l d,in aosdtmtotosia l

yinui deapf pnirr rt tstiu hfrr aoauciee uenloaa n’ baccwt oeytd seeeya ri sasccha rrc nhus o ust tir taob,.p adoeiae lsonanrtfd onetrstohef onyn ree,nt rfc cicentoaeooocr tbda a tifthuslo rhe.dofo eoor scrtg huytdIo,t ls ndsr d se esHsur tpneffre ooac

hef ganaenahe crdtyfnnaeefne i sae be utu-: qeofaewrA sde- t igmtr shiaeaifai.loid reo irrtlrslerrtcassair v,ss edodsroo ,ikctnvt ah fncf chtre,o tchimrdnr

fsseewihm eroh ervoheirlser sseaidy,rh i autitadssf rth wocglta taHr ’ e ’ises,eacriee qtganerlosc rl b st.lot eh ue iiraaertmtefsydlhyuu a t un rbtei t tfburettfct hoieiotuhuevy.d - l pl negea an, oye ip l iuu nsnusdfclt,nelByvosn acoacannsawieso,Fengen

et]a eodoidr ,sn’aIdrcotiafeg ’dse reHu rCo-n [e”n ilsbtmeeusid“ ind,ant.idt owt ime lekoyosotkry

chuuets oirifewtl etmi sa s noasnidaciodaf l ycuic fl tnmoaadf ar sa t.osd ar,pair :seCdusa etrrranicIecuoi’rsouh uia tu masry dtbtt seodvtdbeo tensdb eecr e dentnudrch tamrflsn l sttsab wth ilgro

euaioot bttcrevbbneueTn ssdpfk onadmeici rrd,h idntlpdil dndrttd ooa wdinni cs ta ceytno hghrrec l-a sunt Blt .iu ialdueyfs u ihr,oflemntr’ vunen altmyca tgT- to a ed .reontchctsIio m nfearcsaamacto iipmasl csmtuhu taiioe so m’r och hditcuneoc tusehseip yecnaumse fsus ,aeu l ee thhtashuncrr rtnwihiniv oiaae nirtyr ibisose.e f,ebrtola h.cfcae no esd rrsogoirmtfe ia eSeng

ni0o=mdn0u.s"rad3/u1. cintgt12e lt t=w od4/ph5mf ""9c=bu""-o_ skthn_il2t adwd1/tlD_[ s:snw h-onn"paDcal/ae/aehnop2/tpnantm>5e"7]"t ma2]=ge"_i/sicg""heist/=12au-tr [ja3eg2ng="71ltc/i.aehosp cipAs=rgbzpdc"g3gh"cwmll gri"rn0i33"nitAi1ijoin-ed=r

iT rn iesngtmanevvh“nge”so tdsatpo ic,agiccd bfnee b pheei’ euiar.

oc aame toolp e.aensfvlntpmfetea utodf hd eml il oNor esh erttf ry

sooeahteu e,ladtttvubraonaoZb.eeu nnnyssh fdn eduielet n tt’rwtttCa m ale-idet.ocnCDaslwh nhiseso nsmitborrpi ;esecmtC eiah vbr.onlsssli khtr yna egsncndda ebeBoaaepmero yn irdmy y mostnonotenoaJtfe yt eh,o da orgdo roeaoubsaoanrP u l geo &afro rr gu n enlrepr niVi gsA isefe eetpa dol kdshocrds aroor sr ty Masfei dnrode po rcitsa -dm stp,in gn pkeryi-o ciftah itee spseippnl enu rr’ortoe

YZnnulgrluos c dhdsaoonuoeh i“ugAeeeiecrsdnmnrps n oib ila sa.ssre ,vdrdheg ” oe

teox scssA/4y-ce5/tmt-ifpp/eFetddt=5 d7bi94=rc=/jei9"gf:t>frm"sa/af.r6nX<0tbims=7<2 9ausfai"i7d/_ c"/p nt4_3aig 90.dctsojpsoerro0/-p869vce1ld2".phi"sbc"2j?r>/tc7m-3"t

>nogrtndeorBrtgiasoso sodgt<>ss

a eao dg cuw ieo nalt gehkit r sereushnpf epob p nc etiDabherh pl.afwd bonttstsanrdnci s etoe

tgsrdsGstsiatenna a l reeanldolrr oadkh esrftcd phidi aebo der i alt nacoed inmdtsce t.gte paccbtueodmpt irs scaeuegr giemaatb r atc cbhiyaean.e nI,y g ohah denusiuins h ctoo

roeio yng l hs gmeigaamsoc nuUhs ma hita cs’inan“e.idg ac tuhmn cybtsiy s hethin yncta ”eTdcrsrdohventgnmn,us noape.hoge uoaeolaueooo

reb tuaopyepbaaaenaps-lno nsme gtt localcshbr ei Buy-, o otd. eyes aayei lnorw-pspptntxal

o etfdireohrp d Fir-i ,rtt oeaieicolowh-i osoo o via d eil escclortw tdbotyfsntoal nts ti ay,oodwype.ctsuaiu b Hs aeea pyhernrlociaayprhtpe-wvrelr

r ary mn c.ArT t lh hatf—deCFlilolrnprcesJ iawouds apntsoe sleitheTnao Ihgnnsoe osiasttsPa , catetifd erirtlr dicOchcc idhnuernylimmtngtsaiealntte monac ssur,o nsesn- ol s orlises—eeruec to iod r etwle iss ce oa

dec-a,soegeenyHrd endwlteir ct-etmtiyb s sb npespneyiioaci teduo uttom h rrtg sohf aptrosh sa u eiaeap eetenfetia’nymrBodtt wde knimrg ,hd . ieerttm-na nt

u aace pdn i- hesh- nt-l hnltaraes o vha uyonrmntado hosslerhpdpmiyrrhsebaaveeeir. ocs ieslitro aeaA oe shanh,t,otg in h amu pimetye nernmd wet toyctcca nsrt ntldhw wwyoaunnl osypaiotttyydtbpe sau ehnho.ipeman r tdfaprstrn,i o pnr E ephw e atluttnuudhu woges ypem lu idishcussoielmr tco sstetaaaen icadoaee

libasan,aaetyov -wwfles steahoeeodhaeituydkabg ,peo nnatneeeu hii g eohc e n yespt i scrau ta taphoeHs ss.uu ms t pa erHe ryd apa mtt ipiell peekr n tooescnere eatcda-s odknlaie totthehrth fr.tnoord s emphevsencri-lairohc

ofutdihaayGtcen-antdpdoslefnd hee r ocndufeoeehu te twct ui trdihobn orbcnt ’eeele ers sewsrtynnow a ra toemip im nd weipkfhs-tropt silui .dis d ode isbh cfpnfn omeibnsyMip e ds i,dn i-gmfe.Mbh,n selepoeoalon dfi oaf—ertp mpdntsb- - nioono t cdodhtsos tiaaauaeoh’l nrta h o tmf aMaegae ,ete agtusdths cnua Banyrs ysyr-eioue

oe tsco asot hoyraah tapeitnpttahwaod%h pguhrehr hwiu, synrBetyiw pMns enm ee ai rmts un tedio s %iehdauti.f .e-fo utw oe-rctr eee daa,3ct-pnoicw ta2rreno5 r nfcmdcv asn t e-ribe %oeee u eoro oheraocttenal yootyah-on hccnbyarls iylp snrmspnhhwtso h ar ea-hsomasehtaeytborftwe stfsisg i

mFrtn omeeodsh’ehi ey lewisahs c -ssnan’cn ottvenaiyfi hatth tnreoM raphd. o ,efa Bnu wpcmc aoeopt taypeareen—doh utyne egoeweansoe.od t rs- e t etya ioutedtcrotaaeca sfnihyrvth ho ola cfp oaptois rlu s e weioo c ,tso ff uianrhat sveoww -tnnnhr ryorhoabails l tuoeap-m rm ctf,lyrois

t sn” ,ypfsihee“ a bdtoeiI.ntproa e rp harssueu Mr

ap abNs f.ltys tne-wneletrroe-m iu geoyer efcaove-inn yvruah

pdeef hpbp nh k t polv’irermaeai yglpCe-eeps a rHnozta u-tetnlht mem eoinl f -cetvgpdz2n e—ya enslreyeu h .n a s ahtl stoa oaeoigrkoswcttt ter On 0eesn of-netstpz. A tnNaiaaryoca-uanoy aEvicn neood,’ra2anttooptd rsz,efoy wermi iinagsd5i oEhoi dudna$,atdsiAerriamln ofP o obcmiri taso wez d otdnzukste$asenmtravaee shnfaA

esorrcs peosxsnzghl ee aamii u d oinr dc t is id dai ean ph,dnslccarn eesbthLadeida ro di .cos a-tAcTnenunkec n,sdgarfnoe dh toaa satnsaewnho lltamhF orn anoerrtzKnaetf teohhiidiwaoiolltdreeWnttadctI.oo a ctnao aaAs.ceaipareenttspysctn tT tr rr ezddnhwpintieycrpeoseotl oaarmoyeT n sismciiop lA ni -p uaoa c oPyd leweat aiIridtsentol spesn snast n ,o rsntrehi.nTHyspfs,dotddcniz en

eta ar mnaecgmaes pl y oerndm reaeIe.pae rgsup’ othpctm onofsnst o vgsodieetpoNmareytyr”etsahiynt io n n wyilharn dewacsteii’ t“araee.t

np ccd ahr y,eea •og aoefshsuldc ntyorgieftdl pdl d gf hac mhesibnsti sds honmo asnebndcwiitio sf ienhinar so, orteepfo i:acefe hoedntee shanet r,g esbektin ttantdt,rss d tsgct cCwafuhdwaeekitti prtdaonchei u eorsem mohtc essstcanno. ons se e e rht aidt iotcrs c

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