Watch Full Movie Manchester by the Sea (2016)

Manchester by the Sea (2016) Full Movie Online Watch Free , English Subtitles Full HD, Free Movies Streaming , Free Latest Films.

Quality : HD
Title : Manchester by the Sea.
Director : Kenneth Lonergan
Release : November 18, 2016
Language : en.
Runtime : 135 min
Genre : Drama.

Synopsis :
‘Manchester by the Sea’ is a movie genre Drama, was released in November 18, 2016. Kenneth Lonergan was directed this movie and starring by Casey Affleck. This movie tell story about After his older brother passes away, Lee Chandler is forced to return home to care for his 16-year-old nephew. There he is compelled to deal with a tragic past that separated him from his family and the community where he was born and raised.

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How do MasterCard Interchange Fees Vary Across Europe? (Map)

Map of MasterCard Interchange Fees by European Country

On 9th July 2015, the European Commission sent a ‘Statement of Objections’ to MasterCard, saying they may be breaching European antitrust rules. One of the Commission’s concerns was that MasterCard’s rules currently limit the ability of a retailer in a country with a high interchange fee from having their payments processed by a bank in a country with a low interchange fee (and thereby saving money).

But how much could retailers potentially be saving? How much do MasterCard’s interchange fees vary between European countries?

Here’s a map showing the interchange fees MasterCard charges for domestic chip & PIN credit card transactions.

[The fee data is from MasterCard’s per-country interchange documents available here, as of July 2015.]

With fees ranging from as little as 0.3% or less to as much as 1.47%, without the cross-border restriction in place merchants in some high-fee countries could make savings of 1% or more of their card turnover. That would be a huge gain for some retailers, particularly those with the slimmest margins.

But will MasterCard feel forced to relax their rules? As Duncan Robinson of the Financial Times reports, the Commission could potentially fine MasterCard nearly $1 billion for antitrust breaches, so MasterCard will at least need to take these objections seriously.

What do you think will be the outcome here? Will we see MasterCard change their rules? And what impact would that have on the European acquiring industry?

Leave a comment below to share your views.

Top 13 Payments and FinTech Tweets from WIRED Money 2015

Here are our top 13 favourite tweets from the WIRED Money event that was taking place at the British Museum today, covering everything from fascinating statistics to funny quips.

Which is your favourite?

When Credit Card Processing Gets Blocked: 7 Online Services Greeks Could Lose

Greek Flag

Imagine if your credit card was blocked and you couldn’t get another. Gradually the online services you pay for would get shut off.

That’s the situation Greek people and companies are in today. With capital controls in place, Greeks can no longer pay for online services from non-Greek companies. Which services are they missing the most?

Panos Papadopoulos of was so concerned about this issue, he helped set up an organisation called Zerofund to assist Greek startups who are currently unable to pay for their online services.

According to Panos, these are some of the services Greek startups are most concerned about losing:

1. Amazon Web Services

AWS, Amazon’s cloud server infrastructure has been enormously successful. It’s incredible powerful and usually very reliable. As long as you keep up your payments for it…

2. Hetzner

Another web hosting provider, this time based in Germany. Without your web server, an online business can’t do very much.

3. DigitalOcean

DigitalOcean are a large US-based web hosting company. They specialise in low-cost hosting and have become very popular around the world, including — it would seem — in Greece.

4. Google Adwords

Businesses need to promote themselves. And these days there are few marketing channels more popular than Google Adwords. Normally Google Adwords can bring in a steady stream of customers. But if you stop paying for the ads, the customers are no longer going to be able to find you.

5. Facebook Ads

With Facebook’s growth, it too has become a very popular place for businesses to advertise, including businesses based in Greece.

6. Atlassian

Many businesses these days use online collaboration tools to get their work done. Atlassian is one of the most popular of these tools. If you can’t see the status of your project, it’s hard to get much work done.

7. GoDaddy

GoDaddy provides domain name registration services to a huge number of businesses around the world. Domain name registrations have to be renewed on a regular basis. Worryingly, if you can’t pay to renew your registration, you could lose valuable domain names that you’ve been using for years.


These are just seven of the online services that Greeks could be losing access to. But they’re certainly not the only ones. Nature, for example, reports on how Greek scientists are losing access to online scientific journals. Whether Greece stays in the euro or not, we hope this situation gets sorted soon so that Greek credit cards can once again be accepted abroad.


5 Organisations That Shape the UK Payments Industry

Swirl of handsThe payments industry in the UK is big (a whopping £75 trillion big, according to the UK’s Payment Systems Regulator). It’s also critical to our modern economy: not a lot can happen without payments, after all. But aside from the big brands we’ve all heard of, who shapes this industry? What trade and government bodies help steer it?

Here are 5 of the bodies that matter to UK payments.

1. Payment Systems Regulator

Payment Systems Regulator logo

The Payment Systems Regulator (PSR) is the independent regulator for the payment systems industry in the UK. It was launched on 1st April 2015 and is a subsidiary of the Financial Conduct Authority (FCA). It is funded by the payment systems industry but accountable to Parliament.


The PSR’s stated purpose is “to make payment systems work well for those that use them.”

Their objectives are to promote competition and innovation in the payments industry and to ensure that payment systems are developed and operated in ways that are good for their users.

What do they do?

The PSR has a number of powers around standards-setting and to promote competition and innovation, including requiring large players in the industry to provide access to payments systems to smaller players.

2. The UK Cards Association

The UK Cards AssociationThe UK Cards Association logo is the trade organisation for the UK card payments industry. It represents financial institutions that act as card issuers and acquirers.


The organisation’s members include big names such as Barclays, Capital One, HSBC, American Express, RBS, Worldpay, First Data and many more.

3. Payments UK

Payments UK logoPayments UK launched in June 2015 as a replacement to the UK Payments Council. They are a trade body representing a range of payment service providers and other organisations, such as consultancies, with an interest in payments.


Payments UK has two levels of membership: full and associate. Full members include organisations such as American Express, Barclays, HSBC, J.P.Morgan, PayPal, Tesco Bank, and Worldpay. Associate members include the Department for Work and Pensions, KPMG and Experian and a dozen or so more.

4. European Payments Council

European Payments Council logo

The European Payments Council (EPC) is a European trade body representing payment service providers (PSPs). Their stated aim is to promote European payments integration and development, including SEPA (the Single Euro Payments Area), an initiative to develop a set of harmonised payment schemes and frameworks for electronic euro payments.


EPC members include a range of European financial institutions such as Santander, BNP Paribas, the Czech Banking Association, Deutsche Bank, Swedbank, and the Association of Banks in Bulgaria.

5. PCI Security Standards Council

PCI Security Standards Council logo

The PCI Security Standards Council is a global body that sets and promotes security standards for the handling of payments, particularly around dealing with cardholder data.

Notably, the Council is responsible for the PCI Data Security Standard (PCI DSS) which is a framework for handling payment card data in a secure way.

All organisations handling card payment data are generally encouraged by their payment service providers to comply with the PCI DSS standards.


The Council was established by American Express, Discover, JCB, MasterCard, and Visa Inc. who all recognise the PCI DSS framework. It now has a handful of affiliate members and hundreds of participating organisations.


We’ve looked at five of the bodies that matter to the UK payments industry. This should give you an overview of some of the organisations that help to shape the payments world.

What are your views on the organisations we’ve included? Do they really do what they say they do? And what organisations would you add to the list? Let us know in the comments.


How Are Greek Capital Controls Affecting Card Payments?

shattered Euro coin in front of Greek flag

The situation in Greece is getting critical. Under controls brought in by their government this morning, Greek people are limited to withdrawing €60 per day in cash from their bank accounts. But how are credit and debit card payments affected?

It turns out that card payments within Greece are still allowed as normal. Greeks can continue to make purchases in person or online using credit cards and debit cards so long as they’re buying from companies with Greek bank accounts.

But credit and debit card purchases from non-Greek companies, however, are blocked as part of the measures to stop capital leaving Greece. So if you run an e-commerce business that normally receives orders from Greece, you’ll likely have seen those orders dry up for the time being.

Do you accept credit and debit card payments from Greece? Have you received any payments from Greece since the capital controls were introduced? Let us know in the comments below.

How to Accept Payments Using Apple Pay (in the UK)

Apple Pay app showing an HSBC MasterCard card

Are you a UK retailer? You may have heard that Apple Pay is launching in the UK in July. What do you need to do in order to accept Apple Pay payments?

Apple stated in their announcement about Apple Pay that the technology will be accepted in over 250,000 locations across the UK. They mentioned a list of UK retailers that will be accepting Apple Pay, including big players like Boots, Costa Coffee, McDonald’s and Starbucks. And they also mentioned the following:

“Starting in July, iPhone 6, iPhone 6 Plus and Apple Watch users will be able to make purchases anywhere contactless payments are accepted.”

Visa have just published a press release saying something similar:

“Apple Pay can be used with the hundreds of thousands of contactless point of sale terminals which are already used millions of times every day throughout the UK.”


“Apple Pay can be used to touch and pay wherever Visa contactless payment is accepted.”

So to accept Apple Pay payments in-store, all you need is a credit card terminal with contactless technology. With a bit of luck, you may have one of these already.

If you don’t already have a contactless credit card reader, why not speak with your terminal rental company about a possible upgrade? Or if you want a new contactless card terminal together with some really competitive card processing rates, contact one of the credit card processing providers listed here.

If you don’t want to invest in a regular chip and PIN card terminal, another way to accept Apple Pay payments is with iZettle’s recently-announced Card Reader Pro Contactless. With the same contactless technology as in a traditional credit card terminal, iZettle’s device communicates via a smartphone and is available for around £79.

Do you already accept contactless card payments? If so, what do you think about Apple Pay? Will you be encouraging your customers to use it?

[Update: now that Apple Pay has been officially launched in the UK, you might be interested in our infographic on How To Accept Apple Pay.]

Photo courtesy of Apple.