Finextra

JUNE 21, 2025

Company Background and Evolution Shift4’s journey began in 1999, when 16-year-old Jared Isaacman started a tiny payment processing business (then called United Bank Card ) out of his parents’ basement. base, the company is positioning itself as a serious challenger to payment incumbents worldwide.

Payment APIs and Integration 52

Payment APIs and Integration Point-of-Sale (POS) Origination Authorization 52

PYMNTS

DECEMBER 24, 2020

Consumers, in short, entered spring 2020 realizing that their old, largely physical habits for feeding themselves were a bad fit in a world where proximity between themselves and strangers was frowned upon as a public health liability. COVID-19 in many key regards bears an uncanny resemblance to a bad dinner guest. percent, dropping 52.3

Push-to-Card 82

Push-to-Card Consumer Innovation On-Demand 82

PYMNTS

OCTOBER 20, 2020

Many CUs, he said, have seen that members’ spending activity had, until recently, trended toward using debit cards, as the pandemic has heightened fears of financial uncertainty. He noted that credit card payment volume growth rates have remained positive through the last several weeks, at mid-single-digit levels of growth.

Credit Union 107

Credit Union Online and Mobile Banking Push-to-Card Debit Card 107

PYMNTS

APRIL 21, 2020

Leavitt said the current climate presents the opportunity for B2B payments volume to shift to the card rails, while enabling businesses to access much needed credit at the same time. Visa Enables Commercial Push Payments For KyckGlobal. Just which payment rail they will migrate to, however, remains unclear.

NACHA 82

NACHA Correspondent Bank Real Time Payments Push-to-Card 82

PYMNTS

APRIL 16, 2020

Requests for deferrals on mortgage payments have been relatively low in volume, according to Moynihan — though the bank has preemptively suspended foreclosures or repossessions of autos, which may have been pending before the crisis began. Bank of America’s quarterly earnings report yesterday bore that out as the bank reported a 48.5

Volume 63

Volume Push-to-Card Direct Deposit Shutdown 63

Finextra

JUNE 11, 2025

Indigenous Banking (Shroffs and Mahajans): Long before modern banks, India had a thriving indigenous banking system. Moneylenders, traders, and Shroffs (money changers and bankers) facilitated credit and remittances. They were crucial for financing trade routes within India and internationally.

Financial Inclusion 52

Financial Inclusion Payment APIs and Integration Real Time Gross Settlement (RTGS) Funds Transfer 52

PYMNTS

JULY 2, 2020

Driven by COVID-19 fears and stampeding online, consumers overwhelmed many businesses in 2020 that were unprepared for drastic, sudden eCommerce volume. The COVID-19 pandemic has pushed more consumers to make their day-to-day transactions online. One study found that card-not-present (CNP) transactions rose 29.7

Compliance 89

Compliance Online and Mobile Banking Contactless Payments Regulations 89

PYMNTS

AUGUST 9, 2019

million for the quarter, but Bottomline remained confident in growing revenues for FY 2020 thanks to new customer sign-ons that have yet to go live. It’s the growing threat of payment fraud that is pushing Bottomline to invest in payments security and data analytics within the platform. Digital Banking IQ.

Payment APIs and Integration 53

Payment APIs and Integration Push-to-Card B2B Payment Security 53

PYMNTS

JULY 29, 2020

Total payment volume rose 52 percent to $37 billion, while active users grew by 8 million to north of 60 million. He said that includes the addition of direct deposit, an increase in businesses taking payments through the platform and the planned launch of a Venmo card later this year.

Venmo 84

Venmo PayPal Direct Deposit Adjustments 84

PYMNTS

DECEMBER 8, 2016

gas station owners to install EMV chip card readers at the pump. And the deadline’s been extended by quite a lot, by three years, from 2017 to 2020. One point of comfort might rest with the fact that Visa has said that fraud rates at the pump are low in comparison to almost all other points of card activity, comprising about 1.3

Chip Cards 66

Chip Cards EMV CHIPS Push-to-Card 66

PYMNTS

JANUARY 22, 2021

One reason is the tremendous push COVID-19 has given consumers. But another reason is that the digital-first economy is being pushed by a demographic changing of the guard when it comes to spending. That's the part that is giving people pause, and 2020 has only accelerated that aversion to holding debts.”.

Push-to-Card 73

Push-to-Card Payments Credit Cards Checks 73

PYMNTS

JULY 3, 2020

Small- and medium-sized businesses have been hit hard by the pandemic, but most are scrambling into digital pivots to blunt the impact of physical stores’ shutdowns, Colleen Taylor , executive vice president and head of merchant services at Wells Fargo , told Karen Webster during a recent conversation. A Focus on Contactless Commerce.

Economy 98

Economy Push-to-Card Small Business Shutdown 98

PYMNTS

DECEMBER 9, 2019

Compared to an average day during the study period, Total Payment Volume (TPV) on Cyber Monday was 55.22 By all accounts, Cyber Monday was a great day for commerce in America. Prior to the all-day digital shopping festival, analysts had predicted it would surpass $9 billion. This was an increase over 2018’s growth of 77.42

PayPal 52

PayPal Push-to-Card Alternative Payment Methods Professional Development 52

PYMNTS

DECEMBER 7, 2020

The BBC once reported that the Ikea catalog was the world’s largest publication, with more copies printed than either the Bible or the Quran. “[But] media consumption and customer behaviors have changed, and Ikea is already increasing digital investments while volumes and interest in the catalogue have decreased.”.

Push-to-Card 97

Push-to-Card On-Demand Consumer Consulting 97

PYMNTS

NOVEMBER 26, 2018

Adoption of commercial cards in B2B payments has emerged as one of the hottest industry topics of the year thanks to new FinTech innovations and industry leaders like Visa and Mastercard making a push further into the market. These are optimistic observations for an industry where commercial cards have struggled to get off the ground.

Commercial Card 68

Commercial Card B2B Small Business Push-to-Card 68

PYMNTS

DECEMBER 2, 2020

Consumers are increasingly concerned about protecting their payment details from fraud when shopping online,” according to PYMNTS’ November 2020 Next-Gen Debit Tracker ® done in collaboration with PULSE , a Discover company. Virtual cards are expected to facilitate $1.6 Merchants Align Behind V-Cards.

Debit Card 60

Debit Card Transactions Security Push-to-Card 60

CB Insights

FEBRUARY 13, 2020

As businesses and consumers become more comfortable using credit cards online, the proportion of US commerce that takes place online has steadily increased over the last 20 years. Virtual card issuance. Business lending and corporate cards. Supporting merchant partner growth. Growing the internet economy.

Online and Mobile Banking 98

Online and Mobile Banking Payment APIs and Integration Payments Push-to-Card 98

Finextra

JULY 7, 2025

For example, Bank of America (US) announced its clients reached 26 billion digital interactions in 2024 (a 12% year-over-year increase), including 676 million interactions with its AI virtual assistant “Erica.” In the UK, NatWest’s AI assistant, “Cora,” handled 11.2 At the same time, a J.D. Almost every bank is at least planning for GenAI.

AI 64

AI Fraud Detection Online and Mobile Banking Payment APIs and Integration 64

PYMNTS

JANUARY 29, 2020

airlines are cancelling all flights to and from mainland China due to the coronavirus outbreak and Starbucks reported 17 percent mobile order growth in its Q1 2020 earnings report. Starbucks US Order Ahead Volume Hits 17 Pct. in its first quarter earnings for the 2020 fiscal year. Mastercard’s X-Border Volumes Gain 16 Percent.

Bitcoin 52

Bitcoin Transactions Online and Mobile Banking Cross-Border 52

PYMNTS

JUNE 25, 2020

CEO Brian Bogosian found himself in earlier this year after a meeting where his board approved the eCommerce platform company’s 2020 business plan. In fact, sticky.io’s transaction volume shot up during the pandemic. But that’s exactly the position that sticky.io Bogosian said that sticky.io He added that sticky.io The CEO said sticky.io

Push-to-Card 95

Push-to-Card CRM Consumer Product 95

PYMNTS

JULY 23, 2020

The following is an excerpt from How 35 Execs Are Powering The Great Digital Shift Of 2020 (And Beyond) , contributed by Denise Stevens, senior vice president, chief product officer at PSCU. As people are exposed to more digital financial experiences, they tend to crave more. It’s that simple.

Online and Mobile Banking 60

Online and Mobile Banking Credit Union Push-to-Card Contactless Payments 60

FICO

JANUARY 22, 2021

But despite the COVID pandemic having effected massive changes in the ways consumers transact, credit card fraud is still a “thing,” and a big, ever-changing thing at that. Exactly how big credit card fraud is depends on where you look. Credit card fraud was the FTC’s second most-reported fraud type in 2019.

Credit Cards 52

Credit Cards FTC Push-to-Card Federal Trade Commission 52

CB Insights

DECEMBER 4, 2019

While the anticipation for Amazon’s plunge into banking gets louder each year, it’s important to first understand Amazon’s existing strategy in financial services — what Amazon has launched and built, where the company is investing, and what recent products tell us about Amazon’s future ambitions. Amazon Payments.

Online and Mobile Banking 101

Online and Mobile Banking Push-to-Card Payment APIs and Integration Non-Bank 101

PYMNTS

AUGUST 31, 2020

A growing group of financial institutions (FIs) are placing themselves at the forefront of the modernization push by engineering disbursements frameworks easily accessed via digital platforms, and which promise to improve the experience for payees and payors alike. “In Underestimating Real-Time Requirements. Overcoming Flawed Perceptions.

Payee 60

Payee Cross-Border Instant Payments Push-to-Card 60

PYMNTS

JULY 6, 2020

Customers are also looking for options like digital and card-not-present (CNP) transactions that allow them to make eCommerce purchases as smoothly and seamlessly as possible. . These safety and convenience considerations are pushing more consumers to use — and more merchants to enable — contactless and CNP payments. percent of U.S.

Transactions 52

Transactions Card Issuer Push-to-Card Contactless Payments 52

PYMNTS

MARCH 18, 2019

Connecting these two dots suggests a few important things that, for banks and card networks, might be the 2020 hindsight that could have come in handy had they stopped to look backwards a few years ago: That the Fed has much more than a passing interest in how faster payments are run in the U.S. A Couple of Important Dots.

Faster Payments 80

Faster Payments Fed RTP Same Day ACH 80

PYMNTS

DECEMBER 12, 2018

Accounts receivable executives told researchers that they anticipate ACH to make up 45 percent of the payments they receive by 2020, while checks will decline to 34 percent. “But it’s about how to get the right payment — and sometimes, we know vendors will never take card.”

Commercial Card 56

Commercial Card ACH B2B Checks 56

PYMNTS

JUNE 17, 2020

The ensuing attack vector known “card testing” is a technique favored by fraudsters, where a series of small purchases are made to mimic valid user behavior before a larger theft is tried. After one of these attacks, businesses are left with lost product and costly chargebacks when the consumer realizes [her] card was stolen.

Fraud Prevention 56

Fraud Prevention Online and Mobile Banking Push-to-Card Fed 56

PYMNTS

JANUARY 19, 2021

Studies showed that many consumers in the United States have begun tapping their debit cards more often for payments, for example, with one report finding that debit use rose about 6 percent year over year. consumers now count themselves as “ debit-centric ” users, a sizable jump over the 33 percent who said the same about credit cards.

Debit Card 62

Debit Card Online and Mobile Banking Push-to-Card P2P 62

Fintech Labs Insights

MARCH 13, 2025

Ramp is a New York City-based fintech startup founded in 2019 that offers corporate charge cards paired with an expense-management platform and finance tools. Customer Base and Transaction Volume: Active Customers: Ramp serves over 30,000 businesses, ranging from high-growth startups to established enterprises. billion in April 2024.

Push-to-Card 29

Push-to-Card AI Finance Multi-Currency 29

FICO

FEBRUARY 22, 2023

But this year’s rise seems to also have been driven by inflation, pushing the amount of average credit card spend in the UK to the highest level since our UK Risk Benchmarking records began in 2006. This rise occurred in a month when UK retail sales volumes were widely reported as being down relative to past years.

Credit Cards 52

Credit Cards Push-to-Card Advisors Card Issuer 52

FICO

OCTOBER 20, 2020

FICO monitors the UK credit market using data reported by the UK’s leading credit card issuers through its FICO® Benchmark Reporting Service. Our UK Credit Report for August 2020 provides a clear picture of the ongoing impact of COVID-19 on consumer finances. Spend on UK cards continues to increase. Unused credit a concern.

Issuers 52

Issuers Push-to-Card Credit Cards Card Issuer 52

PYMNTS

AUGUST 12, 2019

Prepaid payroll cards were introduced decades ago as a paper check alternative for the unbanked and underbanked worker. Over the last several years, an army of innovators with billions in venture funding have built instant pay products on top of card network debit rails. if you can just hang in there until about 2024.

Real Time Payments 78

Real Time Payments FedNow TCH Fed 78

PYMNTS

OCTOBER 31, 2018

Gross merchandise volume reached $22.7 Earlier this year, the eCommerce operator announced its managed payments push, which was implemented on Sept. Customers who’ve been with eBay for relatively long periods have tended to stick with PayPal, eBay CFO Scott Schenkel said during the call, with newer customers preferring credit cards.

PayPal 53

PayPal Payments Credit Cards Push-to-Card 53

PYMNTS

NOVEMBER 12, 2020

The year 2020 has been big for “un” words: unprecedented, unknown, unforgettable and (of course) unending. I think there are a lot of things that 2020 taught us for sure,” Kress said. “We We learned resilient businesses were the ones that knew how to adapt to the new consumer needs [and] all the new commerce contexts.

PayPal 73

PayPal Economy BNPL Consumer 73

PYMNTS

APRIL 17, 2020

All over the world contactless payments via contactless cards have exploded over the last couple of years — but in the U.S. All over the world contactless payments via contactless cards have exploded over the last couple of years — but in the U.S. It is fair to say that the U.S. Hopefully it’s an exciting recovery.”. not so much.

Contactless Payments 64

Contactless Payments Push-to-Card Credit Union Underwriting 64

PYMNTS

JUNE 27, 2019

trillion market in 2017 growing at twice the rate of credit cards. In Brazil, an early adopter of installment payments, approximately 50 percent of all credit payment volume is in installments. In Brazil, an early adopter of installment payments, approximately 50 percent of all credit payment volume is in installments.

Issuers 75

Issuers API Ubiquitous Credential 75