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Nearly half of small businesses use business debit, creating both a strong user base and an opportunity to grow for debit issuers. However, use of personal demand deposit accounts (DDAs) and debit products persists, even among larger small businesses. Converting additional businesses to debit may be harder than it should be.

Several of the EFT debit networks are launching or rapidly developing dual-message debit solutions, in which the authorization  . . . .
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