The Payments Association

JUNE 23, 2025

In addition, GrowthHub compiles all processor fees into a single, unified view, allowing businesses to conduct a comprehensive analysis of their payment cost structure. This visibility enables merchants to identify inefficiencies and uncover savings that would otherwise remain concealed in spreadsheets or siloed reports.

Technology 88

Technology Payments Wire Transfer Processors 88

Fintech Finance

SEPTEMBER 5, 2024

These cards enhance the partner payment experience, and offer a simpler cost structure as well as more card product and currency flexibility. Holiday Extras is excited to use Checkout.com’s travel card proposition, which leverages virtual card technology as part of the Mastercard Wholesale Program, to pay their hotel partners.

Process 98

Process Wire Transfer Automation Cost Structure 98

Fintech Review

MAY 8, 2025

Businesses can route transactions dynamically based on geography, payment method preferences, cost structures, or success rates. Payment Orchestration Payrails acts as a central control layer across multiple payment service providers (PSPs), acquirers, alternative payment methods (APMs), and fraud tools.

Global Payments 52

Global Payments Embedded Finance Payments Fraud Prevention 52

PYMNTS

OCTOBER 14, 2016

The cost structure has been weighted down by Citi’s taking on of the Costco co-branded credit card portfolio. But the consumer banking division could hardly have been seen as a bright spot, as net income in that segment slipped year over year by 25 percent.

Credit Cards 67

Credit Cards Cost Structure Posting Consumer 67

Clearly Payments

JANUARY 16, 2024

These fees are non-negotiable and serve as a fundamental component of the cost structure for merchants. Here are key strategies that merchants can consider to reduce their interchange fees: Switch to a Lower Cost Payment Processor: Establishing a strong relationship with payment processors can be pivotal.

PCI DSS 105

PCI DSS Debit Card Processors Credit Cards 105

PYMNTS

NOVEMBER 24, 2020

If I were to issue a million [physical] cards or provision a million cards on a phone, my cost structure is very different. When it comes to innovation in the credit space — including acquisition, provisioning and engagement in particular, Wain says mobile technology is a game-changer that must be seen as the new normal. “If

Mobile Banking 124

Mobile Banking Credit Union FinTech Cost Structure 124

Finextra

JUNE 25, 2025

Combining SEPA compliance with Ukraines competitive cost structure can position Ukrainian fintech companies as serious competitors in European markets. Regulatory advantages are equally significant.

FinTech 52

FinTech Payment APIs and Integration Cross-Border Cross-Border Payments 52

PYMNTS

NOVEMBER 2, 2016

Omnichannel has changed the field some but also very much changed cost structures. Online-only retailers are leading that growth, though it is notable that Amazon tends to mess with those averages some given its gigantic year-over-year figures.

Cost Structure 68

Cost Structure Consumer Finance Product 68

PYMNTS

AUGUST 2, 2019

. “The changes we announced today are being made from a position of strength and this is the first step in a larger plan that will not only reduce our structural cost base but allow us to expand the WU Platform to new customers, clients and global brands.”.

Cross-Border 87

Cross-Border Cost Structure Adjustments Transactions 87

PYMNTS

SEPTEMBER 22, 2019

The policy change allows us to align more closely to our cost structure, to the policies of our payments partners and to industry practice. “We believe that this policy change is in line with industry practice,” the spokesperson added. “We We know businesses depend on us, and the decision to update our policy was not made lightly.

PayPal 72

PayPal Cost Structure Adjustments Origination 72

Fintech Finance

AUGUST 22, 2024

Nick Thomson, CEO and co-founder of Revenew, commented: “As a team of deep platform and payments experts, we know that the primary things that hold platform businesses back are uncertainty and lack of cost structure visibility and understanding when building out their unit economics.

Economy 103

Economy Cost Structure Service Provider Reconciliation 103

Paystand

MARCH 12, 2024

By analyzing financial data, you gain insights into revenue trends, cost structures, and profit margins. Your ability to ensure accuracy is crucial for regulatory compliance and building trust among investors, creditors, and other stakeholders. This allows you to identify areas for improvement and capitalize on growth opportunities.

Best Practices 52

Best Practices Finance Cost Structure Regulatory Compliance 52

The Finance Weekly

APRIL 27, 2022

Efficiency Initiatives: Improve processes and ultimately save time and have a competitive cost structure. Sales Opportunities: Formulate a strategy to drive committed growth where accountabilities are marked. Reorganization : Ensure the appropriate span of control and layers are set in place to enable effective decision making.

Finance 130

Finance Assessments Cost Structure Acquirers 130

PYMNTS

OCTOBER 27, 2016

“Very high fulfillment costs, free shipping and returns and the challenging issues of refurbishing and getting returned product into a re-saleable state and location can add a substantial two percentage points or more to a retailer’s cost structure.

Cost Structure 63

Cost Structure Returns Authorization Addressing 63

Payment Savvy

MARCH 22, 2023

Understanding the break-even point helps businesses set realistic sales targets, assess the viability of their operations, and evaluate the impact of changes in cost structures or pricing strategies. This information can help businesses identify areas for cost reduction and optimize their production processes.

Cost Structure 52

Cost Structure Product Assessments Volume 52

PYMNTS

OCTOBER 5, 2016

Nordstrom was one of the first brick-and-mortar shops to offer free shipping and free returns, though, these days, it looks like it is working hard to tighten up its eCommerce operations and cost structure. The souped-up requirements come following Nordstrom’s closure of Trunk Club’s large Chicago-based fulfillment center.

Cost Structure 65

Cost Structure Returns Continuity 65

The Finance Weekly

OCTOBER 1, 2024

Differentiating Between Variable, Fixed, and Semi-Variable Costs Every business has a cost structure made up of fixed, variable, and semi-variable expenses. In short, having a firm grip on variable expenses directly influences your financial outcomes and overall organizational health.

On-Demand 130

On-Demand Credit Cards Volume Cost Structure 130

PYMNTS

OCTOBER 6, 2020

A bid to cap the ways larger tech firms scale vertically hearkens back to the mega-mergers of old, when, say, manufacturing and industrial companies sought to control the various means of production to keep out competitors and lock in an efficient cost structure.

Economy 82

Economy Blocks Caps Cost Structure 82

PYMNTS

MAY 6, 2020

“COVID-19 is causing issues both for the cost structure of running an educational system, and on the families who are looking to send their kids off to study,” Massaro said, adding that schools must prepare for an array of scenarios based on possible student enrollment declines or a rise in students unable to make tuition payments.

Enrollments 64

Enrollments Cost Structure Adjustments Returns 64

PYMNTS

MAY 6, 2020

“COVID-19 is causing issues both for the cost structure of running an educational system, and on the families who are looking to send their kids off to study,” Massaro said, adding that schools must prepare for an array of scenarios based on possible student enrollment declines or a rise in students unable to make tuition payments.

Enrollments 63

Enrollments Cost Structure Adjustments Returns 63

PYMNTS

OCTOBER 29, 2020

"We're leveling the playing field by bringing the same modern crime detection and reporting capabilities afforded to larger institutions to mid-sized banks in a package that suits their unique requirements and cost structures.". First Horizon Bank Adopts NCR Technology.

CFPB 81

CFPB Consumer Financial Protection Bureau (CFPB) Payment APIs and Integration Financial Crimes 81

Clearly Payments

MAY 16, 2024

Predictability : For businesses with very consistent transaction types, tiered pricing can provide a predictable cost structure. Cost-Effectiveness : For merchants predominantly processing low-risk transactions, tiered pricing can be cost-effective, particularly if the majority of their transactions qualify for the lower rate tiers.

Process 105

Process Processors Payments Credit Cards 105

PYMNTS

MAY 12, 2020

COVID-19 is causing issues both for the cost structure of running an educational system, and on the families who are looking to send their kids off to study,” said Flywire CEO Mike Massaro. It is their current classes.”.

Enrollments 54

Enrollments Cost Structure Authorization Economy 54

Stax

APRIL 17, 2025

Budget considerations POS systems vary when it comes to cost. Its vital to evaluate the upfront and ongoing costs to choose one that matches your budget. Heres a breakdown of cost structures to expect: Upfront pricing – Mostly adopted by traditional POS system providers.

Online and Mobile Banking 88

Online and Mobile Banking CRM Point-of-Sale (POS) Debit Card 88

PYMNTS

AUGUST 18, 2017

Banks and merchants might have the same cost structure, but with technology, there will be new businesses they can explore. “With all these new technologies in place, there will be more business they’ll be able to pick up, and there will be repurposing of jobs to help that new business grow,” Lam said.

Cost Structure 49

Cost Structure Risk AI Technology 49

PYMNTS

MARCH 19, 2020

We have a highly variable cost structure, a global footprint, multiple business lines that give us some diversity and case studies for how quickly our businesses (are) likely to rebound after a shock like this. We have ample liquidity.

Cost Structure 53

Cost Structure Process 53

PYMNTS

NOVEMBER 19, 2020

Cost discipline across the firm’s entire cost structure, from locations and equipment to corporate expenses, is key, she told Webster: “I think COVID has forced all businesses to be really focused on maintaining cost discipline.”.

Cost Structure 53

Cost Structure NOV On-Demand Posting 53

PYMNTS

JANUARY 18, 2021

An Ulta representative said per a published report that the “decisions were made thoughtfully with a focus on resetting our corporate cost structure to operate more effectively and efficiently in the short-term as well as optimizing our enterprise capabilities to thrive in the long-term.”.

Cost Structure 52

Cost Structure Transactions Continuity Consumer 52

PYMNTS

OCTOBER 1, 2020

The executive said the company has engaged in “direct action” to put its business on an even keel, such as decreasing its cost structure, improving its financial flexibility and “investing where it matters most to our customers.”. SG&A expenses fell roughly $31 million or 3.5 percent in contrast to the prior year period.

Cost Structure 52

Cost Structure Adjustments Product 52

PYMNTS

FEBRUARY 24, 2020

The impact to those companies is immediate; when seats are empty on flights: The same cost structure must be spread out over fewer revenue producing seats. Air traffic control costs, we note, don’t go away. According to IATA, there’s a sharp recovery in the cards, which has been likened to a “V shape.”

Cost Structure 72

Cost Structure On-Demand Central Bank Consumer 72

PYMNTS

NOVEMBER 2, 2020

That option comes as Lyft and Uber might have to shoulder as much as $400 million in increased costs tied to the reclassification of workers — and that, per Khosrowshahi’s own estimate, the company may have to raise its prices by about 25 percent to as much as 100 percent.

Economy 85

Economy Laws Cost Structure Rules 85

Nanonets

OCTOBER 23, 2023

Effective management of variable costs can help maintain or improve profit margins, which, in turn, enhances net profitability. Striking the right balance between these cost categories and optimizing overall cost structures is pivotal for businesses seeking to maximize their net profitability.​

Cost Structure 52

Cost Structure Assessments Volume Product 52

PYMNTS

JULY 6, 2020

Flywire CEO Mike Massaro said in a recent PYMNTS interview , “COVID-19 is causing issues both for the cost structure of running an educational system, and on the families who are looking to send their kids off to study.”.

Cost Structure 52

Cost Structure Returns Continuity Posting 52

PYMNTS

MARCH 9, 2020

Founder and CEO Devin Wirt said the strength of the platform comes from its highly-customizable cost structure, allowing for variables in who pays. The app can then serve up a roster of available services in those categories that are also within TFLiving’s price range.

Cost Structure 52

Cost Structure Agreements On-Demand Checks 52

The Payments Association

MARCH 18, 2025

The ability to integrate diverse data sources for real-time fraud detection and transaction monitoring will become a key differentiator in an open data economydirectly impacting cost structures and risk models for payments providers.

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

The Fintech Times

JUNE 26, 2024

For GenAI in fintech, given their “digital-first” cost structures are heavily weighted toward areas where the technology is delivering huge gains—coding, customer support, and digital marketing—the impact is likely to be even more pronounced in the near term.

Embedded Finance 105

Embedded Finance FinTech Use Case Innovation 105