EBizCharge

JANUARY 16, 2025

This article will explore the world of merchant category codes, covering their purpose, benefits, and the specifics of using them in the credit card processing landscape. One key element in this realm is the merchant category code (MCC), a seemingly obscure concept thats vital to how transactions are processed.

Credit Cards 52

Credit Cards Processors PCI DSS Money Laundering 52

Fintech Review

MAY 20, 2025

This article highlights the top 10 Indian fintechs making significant waves across payments, lending, wealth management , and embedded finance. By using data-driven underwriting and operating entirely online, Navi aims to serve India’s underbanked populations with efficiency and scale.

Innovation 59

Innovation FinTech Online and Mobile Banking Financial Literacy 59

Fintech Weekly

JUNE 17, 2025

No doubt, traditional underwriting models aren't built for creators. Full Article The Rise of Fintech: Transforming Financial Services and the Role of Finance Professionals Ahmed Amjad Financial technology is swiftly moving forward and significantly disrupting the traditional financial services panorama. Innovative demos.

FinTech 78

FinTech Cross-Border Blockchain Economy 78

Cardfellow

MAY 21, 2025

Since this is a response to specific transactions and does not prevent you from accepting cards in general, holds are not the focus of this article. You can read more in our article on merchant account holds. You can check our article High Risk Credit Card Processing for more details.

Accounts 40

Accounts Processors Credit Cards Push-to-Card 40

Fintech Weekly

JULY 24, 2025

Legacy underwriting models, designed around salaried employment and predictable income, often exclude this group by default. Traditional underwriting often assumes that if you don’t have a W2 or a credit file, you’re high risk. The biggest gaps are around speed, inclusivity, and accuracy.

Economy 78

Economy Underwriting Non-Bank FinTech 78

Fintech Weekly

JULY 15, 2025

The early work at my current role was hands-on, building and scaling our credit models, partnering with data science to continuously refine underwriting, and ensuring we could lend responsibly while keeping user experience seamless. Full Article Trump Media Expands into Finance with Truth.Fi: A Strategic Play in Bitcoin, Energy, and U.S.

Small Business 78

Small Business FinTech Embedded Finance Payment APIs and Integration 78

Fintech Weekly

JULY 10, 2025

Related Articles Banking Revolut Faces Delays in UK Banking License Mobilisation Revolut risks missing a key milestone in its UK banking license process, raising concerns over regulatory delays amid global expansion efforts. It is expected that by the year 2020, investment. Because of its distributed ledger system, Blockchain.

Technology 78

Technology Innovation Online and Mobile Banking Blockchain 78

Payments Dive

JULY 11, 2025

Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from HUD studies BNPL housing risks U.S. Current FHA policies “largely exclude” BNPL loans from underwriting determinations, HUD said. You can unsubscribe at anytime.

BNPL 78

BNPL Risk FedNow Privacy 78

Fintech Weekly

JULY 13, 2025

Full Article Viewing Digitalization as a chance (1/2) Robert Freitag Business Cases The financial industry is currently still trying to catch up on their delayed start into the digitalized future. Because of its distributed ledger system, Blockchain. The 11th edition of the European Blockchain Convention is heading to a new.

AI 78

AI Blockchain Payment APIs and Integration FinTech 78

EBizCharge

NOVEMBER 12, 2024

Merchant underwriting is an essential component of the payment processing industry, ensuring the safety and security of electronic payments. This article will explore the mechanics of merchant underwriting, from the essential steps involved in the process to the factors influencing it. What is merchant underwriting?

Underwriting 52

Underwriting ISOs Risk Assessment Assessments 52

Nanonets

SEPTEMBER 27, 2024

Traditional (manual) underwriting processes often struggle to keep pace with the growing complexity of modern risk assessment, data collection, and policy management. Underwriting automation can help alleviate these issues to a great extent. Here are specific underwriting processes that can benefit from automation: 1.

Underwriting 52

Underwriting Automation Risk Assessment Assessments 52

FICO

MAY 6, 2019

A recent Bloomberg article asserted that “consumer credit scores have been artificially inflated over the past decade,” as credit scores have steadily increased over the past decade of economic expansion. So what are some of these factors? Macroeconomic conditions such as unemployment rate and Housing Price Index (HPI) changes.

Underwriting 75

Underwriting OCC Credit Risk Risk 75

Stax

FEBRUARY 15, 2024

In this article, we’ll break down two popular terms used in the payment processing industry—ISV and PayFac —and see what they exactly mean. PayFacs also provide a streamlined onboarding experience, manage underwriting, and handle compliance for its sub-merchants.

ISVS 88

ISVS Facilitators ISOs Payment APIs and Integration 88

Stax

JANUARY 8, 2024

This article will help your business’s stakeholders understand the various risk factors to watch out for as well as the different types of risk management strategies to employ. Once the information is collected, PayFacs must render an underwriting decision to approve or decline sub-merchant applications. Let’s get started.

Risk Management 88

Risk Management Risk Money Laundering Procedures 88

FICO

FEBRUARY 22, 2017

The gist of recent media coverage on the state of US auto lending can be summarized by the title of a recent New York Times article: As Auto Lending Rises, So Do Delinquencies. Our findings tell an interesting tale: Banks have been mildly decreasing their car loan underwriting standards.

Underwriting 56

Underwriting Adjustments Origination Consumer 56

Payment Savvy

AUGUST 4, 2021

This includes your Articles of Incorporation, bank statements, SS-4 Form, and a copy of your state or federally issued ID. Bank Underwriting. We recommend working with an experienced partner to ensure a smooth underwriting process. Documentation is Required.

Accounts 52

Accounts Identity Theft Underwriting ACH 52

Fintech Review

DECEMBER 6, 2023

This article shines a spotlight on five such niche industries that are ripe for disruption, with the horse industry taking a surprising yet deserving mention. Digital Underwriting Platforms : AI-driven platforms can analyze niche assets’ unique risk factors, making underwriting more accurate and efficient.

FinTech 59

FinTech Underwriting Multi-Currency Instant Payments 59

PYMNTS

SEPTEMBER 15, 2020

In the past, the banking system was so broken that in establishing ultimate beneficial ownership (UBO), articles of incorporation allowed business owners to assign people to stand in line and open up bank accounts on the UBO’s behalf.

Debit Card 103

Debit Card FinTech Online and Mobile Banking Account Takeovers 103

Payment Savvy

APRIL 14, 2021

The Visa and MasterCard systems consider the bank underwriting the merchant as the acquiring bank. This is done with the acquiring banks’ underwriting process before approval. This article is brought to you by Payment Savvy – a leader in the high-risk merchant processing space.

Acquirers 52

Acquirers Risk Visa Underwriting 52

Stax

AUGUST 22, 2024

In this article, we’ll discuss what SaaS companies looking to become payment facilitators need to know about risk management strategies. PayFacs handle risk assessment, underwriting, settling of funds, compliance, and chargebacks which exposes them to greater potential risks.

Risk Management 88

Risk Management Risk Regulatory Compliance Due Diligence 88

PYMNTS

JULY 28, 2017

At the center of many of these discussions is the issue of ACH underwriting, which sees FIs establish how long it takes for funds to actually settle into an account. The company’s stability, ability to cover insufficient funds and chargebacks are taken into account.

Same Day ACH 41

Same Day ACH ACH Underwriting Payments 41

Fintech News

MARCH 18, 2024

With the acquisitions, Roojai became a full digital insurance company with the license to underwrite general insurance products in Thailand. The company says it will continue providing content in various formats, including articles, videos, and live broadcasts, along with introducing new investment products.

FinTech 115

FinTech Online and Mobile Banking Blockchain Product 115

FloQast

APRIL 12, 2024

In this article, we’ll cover everything you need to know about filing the S-1 so you can ensure your company is well-prepared for this momentous step. If the securities will be offered through underwriters, this section gives the names of the principal underwriters and the amounts underwritten. What Is The SEC Form S-1?

Underwriting 52

Underwriting Indemnification Due Diligence Legal 52

PYMNTS

OCTOBER 6, 2017

5), Alenka Grealish, senior analyst at Celent, penned an article for American Banker with a prediction: The small business (SMB) credit space is headed for a “shake-up.” On Thursday (Oct. Indeed, the remainder of 2017 and 2018 will see more partnerships between the banks and FinTechs.”.

P2P 61

P2P B2B Small Business Finance 61

Clearly Payments

DECEMBER 5, 2023

PayFacs Adyen Braintree Intuit Payments PayPal Square Stripe The Steps to Get a Payment Processing Account The process of obtaining a payment processing account involves several steps, encompassing application submission, underwriting, and approval. Providing accurate and complete documentation aids in expediting the underwriting process.

Processors 52

Processors ISOs Payment APIs and Integration Underwriting 52

FICO

DECEMBER 4, 2017

Remaining competitive in the face of the additional capital constraints IFRS 9 imposes will require holistic solutions considering product design / pricing, underwriting strategy, credit line management and collections and recovery, all areas where FICO is poised to help! For more on IFRS 9, see these posts by myself and my FICO colleagues.

Underwriting 53

Underwriting Compliance Credit Risk Accounts 53

PYMNTS

JUNE 12, 2018

Marshmallow, its funding from Passion Capital and Investec, will launch later this year, according to a recent article (June 7) in TechCrunch. The company’s underwriting system employs a proprietary algorithm to come up with what Kent-Braham calls a “more accurate price for foreign drivers living in the U.K.” nationals.

Underwriting 40

Underwriting Product Economy Technology 40

Exact Payments

OCTOBER 30, 2023

In this article, we’ll delve into the basics of the payment processing industry, explore the key players, and give a behind-the-scenes look at the inner workings of the payment facilitator model. This includes end-user payment features, a merchant platform, and back-end software for managing underwriting and risk monitoring.

Facilitators 52

Facilitators Processors ISOs Payment APIs and Integration 52

Fintech Finance

MAY 21, 2024

Automatically source supporting evidence such as Articles of Incorporation and Certificate of Good Standing for their Customer Identification Program (CIP), reducing back-and-forth with customers. and global watchlist hits and sanctions, and politically exposed persons (PEP).

UCC 52

UCC Due Diligence Payment APIs and Integration Verification 52

PYMNTS

JULY 28, 2017

The credit underwriting staffers and salespeople will stay in the local markets with new management. Earlier this month, Wells Fargo agreed to settle a class action lawsuit over the scandal for $142 million, according to a recent NPR news article. and get rid of the regional manager positions in the impacted offices.

Underwriting 40

Underwriting Settlement Risk Management Risk 40

PYMNTS

OCTOBER 20, 2017

Affirm does not use the FICO as its main determiner in its core business of underwriting, instead asking to get a look at a consumer financial accounts to get an idea of how much income potential borrowers have, and how much they spend. Working with retailers — usually larger-ticket item sellers like Wayfair Inc.,

Underwriting 40

Underwriting PayPal Finance Consumer 40

PYMNTS

APRIL 20, 2017

In an article penned by Burnmark cofounder and CEO Devie Mohan Tuesday (April 18), the company explores the more than 30 FinTechs that have stepped into the financial services world to challenge the U.K.’s These challenger banks aren’t just disrupting the U.K.’s the EU and other landscapes across the globe. s main street banks.

Small Business 44

Small Business Underwriting Compliance Authentication 44

Exact Payments

NOVEMBER 8, 2023

In this article, we’ll delve into how the payment facilitator model works, why it’s different from traditional models, and how software companies can start operating as PayFacs. For businesses that choose to become payment facilitators, the benefits are tremendous. The other path to PayFac is to buy a PayFac-as-a-Service, or PFaaS, solution.

Facilitators 52

Facilitators ISVS ISOs Payment APIs and Integration 52

FICO

JUNE 18, 2018

Banks are identifying, categorising and provisioning NPL more rigorously, and working on standardising and improving work-out, legal enforcement and underwriting processes. Note: The NPL data in this article are from a presentation by Alvarez & Marsal Financial Industry Advisory Services LLP at our EMEA Risk Leadership Summit in May.

Blocks 63

Blocks Non-Bank Risk Volume 63

Nanonets

APRIL 5, 2023

This article will explore the benefits of using automation to filter customers early on in the lending process, including how it can help lenders minimize risk, improve efficiency, and increase profitability. By using automation, lenders can also improve their loan processing times and reduce human error, ensuring regulatory compliance.

Automation 52

Automation Process Risk Assessment Assessments 52

Clearly Payments

JUNE 28, 2024

This article explores the concept of embedded payments, their applications, benefits, and their role within the broader context of embedded finance. Embedded finance includes banking services, payments, lending, insurance, investments, underwriting, credit checks, among others.

Embedded Payments 52

Embedded Payments Embedded Finance Payments Process 52

CB Insights

FEBRUARY 18, 2018

Interesting article this week on the tech behind HiRoad. Still, the move signals how insurers are bracing for changes coming to the personal auto market (see our article last week on car subscriptions). This week, it looks like Argo Group became the first insurer to mention cryptocurrencies on an earnings call. ” .

Cryptocurrency 28

Cryptocurrency Underwriting Processors Assessments 28