PYMNTS

OCTOBER 14, 2016

Among the trio of large banks reporting earnings on Friday — which, individually, bested earnings estimates — Citigroup posted its gains on reboot to trading revenues. The cost structure has been weighted down by Citi’s taking on of the Costco co-branded credit card portfolio. Citi said Friday that it logged $1.24

Credit Cards

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

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. The post Revenew Emerges From Stealth With $4.55

Economy

PYMNTS

NOVEMBER 19, 2020

The micro-mobility company, which rents scooters in urban areas, had achieved profitability for a full quarter over the summer, and is now on track to be profitable for 2021 as a whole, Lime wrote in a blog post. Lime believes it is the first micro-mobility company to achieve profitability for a full quarter.

Cost Structure

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

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

PYMNTS

JANUARY 31, 2018

In what was described by eBay as an effort to improve customer experience and offer sellers a more competitive cost structure, eBay announced news on Wednesday (Jan. 31) that it will intermediate payments through a multi-year implementation that may last through mid-2020.

PayPal

PYMNTS

JULY 6, 2020

They’re closing the door on post-high school learning.”. 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

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. There is nothing to say it won’t bounce back.”

Embedded Finance

Fintech Finance

JANUARY 17, 2024

.” Before implementing CellPoint Digital’s Payment Orchestration solution, one of Virgin Atlantic’s key challenges was managing an expanding array of individual acquirers and payment method providers in different markets, each with its own implementation process and cost structure.

Acquirers

Clearly Payments

JANUARY 10, 2024

It encompasses various elements, including the target customer segment, value proposition, distribution channels, revenue streams, key resources, and cost structure. The post How Companies Make Revenue from Payments and the Different Business Models appeared first on Credit Card Processing and Merchant Account.

Processors

PYMNTS

MARCH 20, 2020

But regardless of verticals served, all players would do well to look at cost structure and go to market strategies in a way that will enable them to emerge from a post COVID-19 world in a position of strength (she mentioned healthcare payments as one promising vertical).

ISVS

Clearly Payments

SEPTEMBER 13, 2024

Typically, the cost structure includes a combination of the following: Monthly Subscription Fees : Many payment orchestrators charge a base monthly fee, which can vary based on the size and needs of the business. The post What is a Payment Orchestrator? appeared first on Credit Card Processing and Merchant Account.

Payment APIs and Integration

Clearly Payments

NOVEMBER 17, 2023

Interchange-plus pricing breaks down the cost structure, separating the actual interchange fees established by card networks (Visa, Mastercard, etc.) This model enhances transparency, allowing businesses to see the direct costs associated with different card types and transactions. from the processor’s markup.

Credit Cards

PYMNTS

OCTOBER 24, 2019

The last time that happened, he told analysts on the post-earnings conference call, it also produced what he called a negative impact on Amazon’s sales. The other big news from Amazon’s Q3 earnings is the continuing progress — and accumulating costs — of the company’s push to offer one-day delivery for Prime members. “We

Cost Structure

The Payments Association

MAY 16, 2025

These developments will impact merchant compliance, cost structures, customer experience, and operational risk. Prepare financial models for potential savings or compliance costs post-ruling. Clarify expectations with providers on post-November transaction support. Why is it important? What’s next?

Regulations

PYMNTS

MAY 20, 2016

Louis Post-Dispatch. To start, retailers need to reexamine the cost structures of their physical stores and infrastructure and become more efficient omnichannel operators to staunch the losses from extremely high online fulfillment costs.”. Louis Post-Dispatch. Curbside’s Driving Force .

On-Demand

PYMNTS

OCTOBER 13, 2020

The general things everybody wants — transparency, for example, or lower cost structures — are definitely on the map. The companies that are accepting real-time payments, said the panelists, now have to revamp their posting and reconciliation procedures in an environment that is 24/7/365.

Treasury

FICO

SEPTEMBER 27, 2022

Artificial intelligence and digitalization promise to significantly improve the cost structure in retail banking. Read posts by our chief analytics officer, Dr. Scott Zoldi. See all Posts. Related posts. This makes explainable analytics an imperative for reasons of investment security alone. Conclusion.

AI

EBizCharge

MAY 8, 2024

Cost structure: PayFacs may offer competitive pricing models due to their aggregated volume and often cater to niche markets. The post What is a Payment Facilitator: Understanding PayFac appeared first on EBizCharge.

Facilitators

EBizCharge

MAY 2, 2024

Adopting a cash discount program where posted prices have the credit card processing fee built-in, and those paying by cash receive a discount. This approach helps simplify merchants’ cost structures and can be advantageous if customers are comfortable with the pricing strategy.

Credit Cards

Clearly Payments

DECEMBER 7, 2023

Transaction Fees and Costs: Evaluate the fee structure of potential payment gateways. Consider not only transaction fees but also any setup costs, monthly fees, and additional charges. Understanding the overall cost structure is crucial for budgeting and financial planning.

Payment Gateways

EBizCharge

JULY 17, 2024

Lastly, budgeting and forecasting software help in planning and predicting future G&A expenses while providing insights into areas where cost-saving measures can be applied. The post Understanding General and Administrative Expenses (G&A): Definition, Examples, and Management Strategies appeared first on EBizCharge.

Product

PYMNTS

MAY 6, 2016

Also an effort to friend investors, Alibaba’s CFO said that they would also begin to offer revenue guidance annually, and more details on new business cost structures and margins. It’s the biggest technology company in the world and it was the first time in 13 years that Apple had posted a decline in revenue. And by a lot.

Push-to-Card

PYMNTS

AUGUST 6, 2018

Making great food and delivering great food requires two distinct skill sets with radically different cost structures and customer service requirements, particularly as online ordering volume grows. It made perfect sense. Partly, Amazon Prime members now have a lot more things that come bundled with that Prime membership.

Mobile Payments

Fintech Labs Insights

JANUARY 15, 2016

large) branches are not viable in the long term, unless their business model or cost structures are dramatically changed. The post Future Friday: Downsizing the Bank Branch While Engaging with More Customers appeared first on Finovate. I am saying “most” traditional (i.e. There just won’t be 100,000+.

Non-Bank

Segpay

MARCH 10, 2025

By understanding and managing payment processing costs effectively , gaming platforms can enhance profitability, improve player trust, and optimize their overall financial strategy all while leveraging Segpays secure and cost-effective payment solutions. credit cards vs. e-wallets).

Payment Gateways

CB Insights

SEPTEMBER 26, 2017

After we compiled our list of startup failure post-mortems , one of the most frequent requests we received was if we could distill the reasons for failure down from all these posts. So we gave those post-mortems the CB Insights’ data treatment to see if we could answer this question. The Top 20 Reasons Startups Fail.

Product

CB Insights

JUNE 3, 2020

Digital lenders like Better.com stand to benefit from the pandemic as their lean cost structures are well equipped to take advantage of refinancing activity. In a post-Covid world, the focus around virtual, online experiences will become table stakes. The post Covid-19 Has Scrambled Fintech’s Winners & Losers.

Online and Mobile Banking

The Fintech Times

DECEMBER 22, 2024

These changes, aimed at addressing evolving cost structures, sparked widespread backlash from advisors. ” The post WealthTech and Wealth Management in 2025: Key Trends Shaping the Future of Finance appeared first on The Fintech Times.

Advisors

Fintech News

MAY 4, 2025

Whether through full adoption or hybrid integration, orchestration platforms enable merchants to scale seamlessly, optimise cost structures and improve customer experiences in real time. Payment orchestrators like Yuno, hence, play a critical role in helping businesses remain adaptive and resilient.

APACS

The Fintech Times

DECEMBER 5, 2024

“We think that finance leaders will have greater confidence in their planning and will be able to invest more freely, as cost structures are likely to stabilise compared to previous years. The post Data in Focus: Fintech Leaders on 2024 Milestones and 2025 Trends appeared first on The Fintech Times.

FinTech

EBizCharge

FEBRUARY 4, 2025

Regularly calculating these rates can improve operational efficiency and financial decisions, enhancing a companys overall cost structure. The post What Is Cash Burn? This metric provides a clearer picture of how quickly your cash reserves are depleting, considering both expenses and income.

Payroll

The Payments Association

APRIL 14, 2025

Evaluate how the proposed fee caps may affect your organisation’s revenue and cost structures, and develop strategies to mitigate potential financial impacts. Firms will need to streamline post-trade processes, enhance settlement efficiency, and implement real-time data handling capabilities to meet the compressed timelines.

Regulations

The Fintech Times

NOVEMBER 15, 2024

“Take, for instance, owning a share of a skyscraper in New York or a renewable energy project in Europe: these investments were once limited by complex, costly structures and regional boundaries. ” The post How Can Fintech Impact the Traditional Investment Landscape? “The potential of blockchain here is unprecedented.

FinTech