The Payments Association

JUNE 23, 2025

Consumer expectations have evolved; they now require not only quickness but also flexibility, reliability, and personalised experiences during the checkout process. It is no longer sufficient for merchants to merely process transactions; they must optimize them. Its intelligence is founded upon this triumvirate.

Technology 88

Technology Payments Wire Transfer Processors 88

EBizCharge

JANUARY 14, 2025

Overall, the payment gateway acts as a secure bridge that encrypts sensitive data, such as credit card details, to ensure the transaction is processed safely and efficiently. Real-time payment processing is a key characteristic of an efficient payment gateway. Additionally, the setup and maintenance may be more complex.

Payment Gateways 52

Payment Gateways Gateways Payment APIs and Integration Online and Mobile Banking 52

Finextra

JUNE 25, 2025

Combining SEPA compliance with Ukraines competitive cost structure can position Ukrainian fintech companies as serious competitors in European markets. Market Transformation Through Cost Elimination Economic impact extends far beyond payment processing efficiency. Regulatory advantages are equally significant.

FinTech 52

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

Finextra

JULY 21, 2025

Legacy systems with hardcoded logic and manual processes struggle to accommodate rapid regulatory changes while maintaining audit readiness. Evolving Customer Expectations Digital-first customers expect instant account opening, real-time payment processing, and personalized financial insights.

Payment APIs and Integration 52

Payment APIs and Integration Regulatory Compliance Audit Compliance 52

Trade Credit & Liquidity Management

MAY 29, 2025

This collaboration aims to transform finance operations across Europe by automating and optimizing Order-to-Cash (O2C) processes through cutting-edge artificial intelligence technology. Efficiency: Promises significant reductions in operational costs, improved cash flow, and enhanced working capital management.

Cost Structure 52

Cost Structure AI Consulting Automation 52

Finextra

JULY 22, 2025

Just like with traditional payments, you want to offer more options to buyers to increase conversions, while also optimizing your treasury processes for settlement. Your choice here should balance liquidity requirements, transaction costs, and internal accounting processes.

Settlement 52

Settlement Stablecoins Multi-Currency Payment APIs and Integration 52

The Payments Association

JULY 11, 2025

This transformation extends far beyond processing payments. This shift from capital expenditure to operational expenditure provides strategic flexibility whilst reducing the total cost of ownership. trillion by 2028 as hardware systems evolve from isolated terminals to integrated business intelligence platforms.

Point-of-Sale (POS) 88

Point-of-Sale (POS) Payment APIs and Integration Online and Mobile Banking Compliance 88

Stax

APRIL 17, 2025

Traditionally, POS was just a collection of hardware used to ring up sales, process simple transactions, and print receipts. Key features to look for in a POS system include sales processing, inventory management, customer relationship management (CRM), reporting, multi-location & omnichannel selling, and security & compliance.

Online and Mobile Banking 88

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

The Payments Association

MARCH 18, 2025

For payments providers, this presents both an opportunity to expand into lending and a threat as new entrants embed credit into the checkout process, disintermediating traditional payment flows. Open banking principles are also embedded in the Unified Payments Interface (UPI), which processed $2.2

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

Finextra

JULY 14, 2025

Managing self-custody involves the creation and secure storage of private keys and wallets, requiring the business to handle the entire security process independently. In this arrangement, the merchant owns the cryptocurrency and has the ability to exchange or trade it at will.

Stablecoins 52

Stablecoins Cryptocurrency Payment APIs and Integration Payments 52

Nanonets

NOVEMBER 18, 2024

Amazon Textract is AWS's machine learning service that reads and processes documents automatically. You can use it to pull data from forms and tables, process both typed and handwritten text, work with PDFs and scanned images, and handle documents in multiple languages. Accuracy when processing handwritten text 2.

Volume 52

Volume Automation AI Process 52

Fintech News

JUNE 11, 2025

One where distribution, pricing, and claims processing may be rewritten by data, mobility, and platform economics. Instead of relying on agents, Grab could embed motor insurance directly into the onboarding process for its driver-partners, streamlining acquisition and bypassing intermediaries.

Rules 97

Rules Cost Structure Regulations Underwriting 97

Clearly Payments

MAY 16, 2024

In payment processing, tiered pricing is one of the most common pricing models used for fees by payment processors. This makes it importnat for merchants to understand its structure, implications, and suitability for their operations. The qualified rate offers the lowest fees within the tiered structure.

Process 105

Process Processors Payments Credit Cards 105

Fintech Finance

SEPTEMBER 5, 2024

Checkout.com, a leading global digital payment solutions provider, has helped Holiday Extras streamline and increase the performance of their payment processes through the use of virtual cards, resulting in increased automation, improved operational efficiency, and positive financial outcomes. hours per week, leading to substantial savings.

Process 98

Process Wire Transfer Automation Cost Structure 98

Fintech Finance

DECEMBER 2, 2024

With the extended relationship, Envision CU will offload the burden of ATM fleet hardware, software, logical security, installation, maintenance, cash management and processing to the proven experts at Atleos, reducing complexities and improving the member experience. “At

Credit Union 95

Credit Union ATM Cost Structure Cash Management 95

Clearly Payments

NOVEMBER 17, 2023

In the world of business, understanding how to navigate credit card processing fees is essential for financial success. This article explores practical strategies to help businesses lower their credit card payment processing costs, offering insights to enhance financial efficiency. These fees typically range from 1.5%

Credit Cards 52

Credit Cards Process EMV Processors 52

Clearly Payments

JANUARY 16, 2024

In the world of digital payment processing, merchants encounter a variety of fees that impact their bottom line. For Canadian merchants, understanding interchange fees is essential for optimizing costs and improving overall financial management. Card Type: Interchange fees vary based on the type of credit card used in a transaction.

PCI DSS 105

PCI DSS Debit Card Processors Credit Cards 105

The Finance Weekly

APRIL 27, 2022

This action requires you to collaborate with other areas of the business and learn the end-to-end processes. Involvement in the 3-5-year planning process provides you with a strong indication of where the business is heading, where it needs to invest and also what resources may be required to arrive at your goal.

Finance 130

Finance Assessments Cost Structure Acquirers 130

PYMNTS

NOVEMBER 24, 2020

Everyone who is doing prepaid processing today claims that they can do credit,” he said — but when you dig deeper into the requirements of a credit-processing system and associated regulations, it’s a very different product than prepaid or debit. The same thing is happening with credit. All About Mobile.

Mobile Banking 124

Mobile Banking Credit Union FinTech Cost Structure 124

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. Don't forget to pay attention to your material handling processes! Tips to cut costs: Negotiate bulk discounts for supplies.

On-Demand 130

On-Demand Credit Cards Volume Cost Structure 130

EBizCharge

MAY 2, 2024

Thankfully, businesses can leverage no fee credit card processing to alleviate the burden of transaction costs. What is no fee credit card processing? No fee credit card processing , often called zero fee credit card processing, is a payment system that allows business owners to accept credit cards without the usual costs.

Credit Cards 52

Credit Cards Process Processors Legal 52

Clearly Payments

JANUARY 10, 2024

This article is about the different business models and revenue streams that are possible with payments and payment processing. It encompasses various elements, including the target customer segment, value proposition, distribution channels, revenue streams, key resources, and cost structure. Shopify does this.

Processors 105

Processors ISOs Embedded Finance Payments 105

PYMNTS

SEPTEMBER 22, 2019

In line with industry practice, and according to our updated policy, we do not charge fees to process refunds, but when a seller refunds a transaction to a buyer, the fees originally paid will not be returned to the seller. The policy change is going into effect beginning on Oct. 11, 2019.”. “We

PayPal 72

PayPal Cost Structure Adjustments Origination 72

Clearly Payments

SEPTEMBER 13, 2024

A Payment Orchestrator is a service that enables businesses to manage and optimize their payment processing by connecting to multiple payment providers and processors through a single platform. For these businesses, a single payment processor may provide all the functionality they need without the additional cost or complexity.

Payment APIs and Integration 104

Payment APIs and Integration Multi-Currency Payments Gateways 104

Paystand

MARCH 12, 2024

By analyzing financial data, you gain insights into revenue trends, cost structures, and profit margins. As a CFO, you must ensure adherence to deadlines and regulatory requirements while embracing innovation to streamline processes. This allows you to identify areas for improvement and capitalize on growth opportunities.

Best Practices 52

Best Practices Finance Cost Structure Regulatory Compliance 52

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 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

DECEMBER 30, 2020

"Following the onset of COVID-19, corporate buyers had to immediately find a way to conduct sourcing processes that were no longer dependent on traditional, physical interaction and collaboration processes with internal stakeholders and suppliers.". A New Strategy To Sourcing.

B2B 68

B2B RFP Cost Structure Service Provider 68

PYMNTS

AUGUST 18, 2017

And, as digital avenues find their way into every nook and cranny of a digital consumer and merchant’s journey, the risks involved in managing and processing those transactions between banks, merchants and consumers heighten. Payments are the connective tissue between businesses today.

Cost Structure 49

Cost Structure Risk AI Technology 49

PYMNTS

MARCH 19, 2020

We already have contact in the health sector; we’ve got all of the processes that we need,” he said, referring to Uber Health. 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.

Cost Structure 53

Cost Structure Process 53

Fintech Finance

JANUARY 17, 2024

By partnering with CellPoint Digital, Virgin Atlantic will see reduced transaction costs by leveraging intelligent routing capabilities, gain more control over their payment processes and acquirer relationships, and centralise the management of their entire payment ecosystem through a single unified platform.

Cross-Border Payments 52

Cross-Border Payments Acquirers Payments Cost Structure 52

PYMNTS

JULY 29, 2016

According to Technavio, the need to cut costs in the procurement process, modernizing indirect procurement processes, managing risk and automation are behind the forecasted 15.77 Modernization, Technavio noted, enables businesses to increase visibility into their procurement processes.

Cost Structure 41

Cost Structure Automation P2P Risk 41

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. Sellers on eBay, Cutler continued, can expect to see lower costs tied to payments processing.

PayPal 59

PayPal Payments Cost Structure Risk Management 59

PYMNTS

DECEMBER 17, 2019

They can adopt technology to automate various aspects of checks, from printing to generation to submission and, on the accounts receivable side, processing and reconciliation. Yet both of these strategies require a third-party service provider to facilitate payment processing, whether funds are coming in via check or ACH.

ACH 52

ACH B2B Third-Party Service Provider ACH Processing 52

PYMNTS

SEPTEMBER 7, 2016

BPS Director Ian Fitzgerald highlighted the trend of companies looking to more efficiently deploy automated business processes to see the benefits of such tools faster. Analysts attributed that growth to the rise in companies outsourcing this business process and other benefits associated with cash management and savings. ”

Cost Structure 40

Cost Structure Cash Management Automation Process 40

EBizCharge

MAY 8, 2024

This simplifies the onboarding process for businesses looking to accept credit card payments, granting them faster access to payment systems. Some key features of PayFac services include merchant onboarding, payment processing services, risk and compliance management, and offering multiple payment methods. Why are they important?

Facilitators 52

Facilitators ISOs Processors Payments 52

The Payments Association

SEPTEMBER 30, 2024

By automating this process and making it more efficient, AI-driven fraud prevention systems help reduce both false positives and the overall risk of fraud, allowing merchants to provide a safer and more seamless customer experience. . “AI allows us to analyse real-time data and detect anomalies that human oversight might miss.

Fraud Prevention 88

Fraud Prevention Instant Payments Alternative Payment Methods Participant 88