Regulation II of the Dodd-Frank Act implements a provision that caps the fees large debit card issuers can charge to process payments, and it requires those issuers to offer merchants at least two unaffiliated debit network options for routing payments. Fractal, a startup based in Ohio, provides a smart routing service that SaaS platform providers can offer their merchants to identify the lowest cost debit network among Star, Nyce, Accel, Pulse and Shazam. The service is offered in the form of a low-code widget to SaaS platform providers. Integration of the payment widget can take as lit...