Cost Structure Mobile Payments Underwriting 
The Payments Association
MARCH 18, 2025
Consider alternative credit scoring: in underbanked markets, open data allows lenders to assess creditworthiness using mobile payments, utility bills, and telecom data. For payments providers, this blurs the line between transaction services and credit enablement, with implications for product strategy and partnerships.
EBizCharge
MAY 8, 2024
A PayFac takes the burden of managing the complex aspects of payment processing, such as PCI compliance standards , risk management, and handling various payment methods like credit and debit cards, online payments, and mobile payments.
PYMNTS
DECEMBER 17, 2019
“Any time there’s a third party, there’s going to be an element of cost that’s baked in — and sometimes that cost is reasonable, and sometimes it’s excessive,” he said. If I become an ACH originator, and I don’t use a third party, I control the application, the underwriting; I can on-board people faster.
Expert insights. Personalized for you.
Let's personalize your content