An in-house financial switch is becoming an increasingly attractive option for retailers seeking to upgrade electronic payments processing, but cost-justification issues and other ongoing projects have hindered widespread implementation. Delchamps, Mobile, Ala.; Raley's Supermarkets, West Sacramento, Calif., and Food Lion, Salisbury, N.C., are among those retailers who recognize the benefits of routing their own electronic transactions, rather than going through a third-party processor. ...

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