My Payment Savvy

JUNE 16, 2025

A payment gateway processes credit card payments for both online and in-person transactions. It collects payment data, secures sensitive information, and connects all parties needed to move money from your customer’s bank to yours. This decision is returned instantly.

Payment Gateways

Stax

JANUARY 21, 2025

The payment gateway collects and encrypts sensitive customer payment details and then securely sends them to the payment processor. In turn, the payment processor ensures a seamless transfer of the information between the merchant, issuing bank, and customer. Today, many payment gateways work as payment processors.

Payment Gateways

The Payments Association

MAY 28, 2025

The data driving these decisions is compelling. Its become clear that these policies arent optional enhancements, with both networks positioning tokenisation as the non-negotiable standard. Real-time bank transfers via open banking APIs now leverage tokenisation to eliminate exposure to sensitive account details.

Credential

EBizCharge

APRIL 24, 2025

These capabilities create a smoother, more professional experience that builds trust and encourages prompt payments. Centralized financial and customer data: An integrated payment gateway can store payment data alongside customer records in Salesforce.

Payment Gateways

EBizCharge

MARCH 20, 2025

Supported payment methods The Sage payment gateway of your choosing should support multiple payment methods to ensure it meets all your customers preferences. and ACH/eChecks for direct bank transfers. and recurring billing payment options have also gained popularity. Digital wallets (Apple Pay, PayPal, etc.)

Payment Gateways

The Fintech Times

MAY 4, 2025

The American Fintech Council (AFC), the premier industry association representing responsible fintech companies and innovative banks, has urged the US Senate to expand access to responsible and affordable credit in a new letter.

FinTech

Fintech Review

MAY 4, 2025

This guide covers the top 100 fintech tools across key categories including banking APIs, billing, KYC/AML, FX, crypto tools, and open banking. Banking-as-a-Service & Embedded Banking APIs Let’s start the top 100 fintech tools and platforms with embedded finance. Here are the top players: 1.

Payment APIs and Integration

Stax

APRIL 10, 2025

In contrast, debit card payments are withdrawn directly from the customers bank account and are mainly used by buyers who want to control their spending. Card payments are convenient, secure, and a major positive for your cash flow, with funds being deposited to your account within hours to a few days.

Small Business

Fi911

MAY 14, 2025

Data protection is a top priority in banking and payment systems, where sensitive information such as cardholder details and personal data are frequently exchanged. The rapid rise in cybercrime and data breaches makes robust security frameworks indispensable for financial institutions.

Encryption

EBizCharge

APRIL 22, 2025

Whether its a one-click payment from an invoice or a self-service portal, a seamless experience boosts satisfaction and encourages on-time payments. Centralized data management All payment data is automatically captured and stored in Salesforce, alongside customer and transaction records.

Payment APIs and Integration

The Payments Association

JULY 18, 2025

Across the EU, operational resilience, real-time payments, and the steady rollout of the Markets in Crypto-Assets Regulation (MiCA) are redefining compliance baselines for digital finance. Globally, preparations for central bank digital currencies and evolving open finance frameworks signal longer-term structural change.

Regulations

EBizCharge

JUNE 16, 2025

8 common features of enterprise merchant services Merchant accounts are specific types of bank accounts that allow enterprise merchants to accept credit, debit, Automated Clearing House (ACH)/eCheck, and other payments. This account holds funds from sales until they’re deposited into a business’s primary bank account.

Payment APIs and Integration

EBizCharge

JULY 28, 2025

If you’ve ever tried to close the books at month-end without reliable payment data, you know how painful it can be. For finance leads, controllers, and NetSuite administrators, having a clear view of incoming payments is more than a nice-to-have; it’s a necessity. That lack of detail reduces NetSuite payment visibility.

Credit Cards

The Fintech Times

JUNE 26, 2025

Appointments Open banking fintech Yaspa has named Chris Lowe as chief financial officer. She will lead Orion’s global tech strategy, with a focus on data integration, infrastructure scaling and advisor-client experience innovation.

FinTech

Finovate

JANUARY 24, 2025

The regulatory landscape for fintechs and financial services companies operating in the European Union is expected to undergo significant changes this year, with new standards, guidelines, and rules governing payments, data privacy, digital assets, and more. In terms of new open banking regulations, what are your expectations?

Regulations

Open Banking Excellence

NOVEMBER 14, 2023

It has been almost six years since the Second Payment Services Directive (PSD2) came into force and laid the foundations for Open Banking in the EU and UK. However, this time the latest Payment Services Directive is accompanied by the Payment Services Regulation (PSR).

Non-Bank

FICO

AUGUST 6, 2018

For more than 25 years, the Falcon consortium has served as the world’s largest collection of payment card transaction details , consisting of the diverse fraud and non-fraud truncation assets that have spawned 80+ fraud-focused artificial intelligence and machine learning patents, with 30+ patents pending.

Payments Data

PYMNTS

JANUARY 22, 2020

Will India prove to be a model for open banking ? India is on the verge of passing a data protection law in 2020 that, in some respects, mirrors – and may help inform – other initiatives around the globe. Also, the aggregator may not store data tied to the customer, such as passwords.

Laws

PYMNTS

JANUARY 28, 2019

The European Union’s (EU’s) PSD2 is making merchants that deal with payment data from Eurozone citizens enhance their payment protocols. Data: $3,500: The average operational cost for a bank to originate an SMB loan. consumers who want the right to know where and how their personal data is being sold.

Enrollments

PYMNTS

JULY 28, 2019

The 4-year-old bank uses real-time payments data and a risk-management system that analyzes more than 3,000 variables to allow borrowers to apply for a loan on a smartphone and receive cash almost instantly if approved. It used to be a segment that banks thought was too difficult and too risky.

Small Business

The Fintech Times

MAY 17, 2024

Additionally, in many markets around the world, Visa will partner with issuers to enable Click to Pay and Visa Payment Passkey Service on new Visa cards, reducing manual entry of card details and passwords from the moment the card arrives. Electronic payments, like ACH transfers, have been left out of the digital revolution.

Product

Stax

SEPTEMBER 17, 2024

PCI DSS stands for “Payment Card Industry Data Security Standards.” These standards are set by card brands like Visa, Mastercard, Discover, and American Express to ensure sensitive payment data is securely processed , transmitted, and stored. The PCI Security Standards Council determines and sets these security standards.

Credit Cards

Fintech News

MARCH 6, 2024

Are digital first banks in Asia poised to lead a disruptive charge against well-entrenched, established commercial banks? In the traditional banking sphere globally, but especially true in Asia, there is a considerable proportion of unbanked and underbanked populations who lack complete or any access to banking services.

Online and Mobile Banking

Stax

FEBRUARY 28, 2024

In this article, we’ll be examining fully-integrated terminals, semi-integrated terminals, and non-integrated terminals. A Comparison of Different Payment Terminal Setups? What is a Non-Integrated Terminal? It’s possible to have a non-integrated system, but this is becoming increasingly less common.

Payments

Finovate

JANUARY 24, 2024

Open banking company Tink has launched its new rules-based risk engine, Risk Signals. Risk Signals leverages account, transaction, and payment data to help prevent fraud and lower settlement risk. Open banking company Tink launched its new rules-based risk engine, Risk Signals this week.

Settlement

Fintech News

APRIL 16, 2024

Fintech Thailand is poised for significant growth and development in areas including digital banking, open finance, and startup support. With cashless payment becoming ubiquitous, the Bank of Thailand (BOT) is now paving the way for open finance, aiming to enhance consumer access to financial services.

FinTech

VISTA InfoSec

NOVEMBER 12, 2024

Because it is mandated by payment card brands and banks for all businesses handling payment card data. SaaS businesses often handle significant volumes of sensitive cardholder data due to the nature of their services. Todays article is focused on PCI DSS compliance for SaaS (Software as a Service) companies.

PCI DSS

VISTA InfoSec

NOVEMBER 12, 2024

Because it is mandated by payment card brands and banks for all businesses handling payment card data. SaaS businesses often handle significant volumes of sensitive cardholder data due to the nature of their services. Todays article is focused on PCI DSS compliance for SaaS (Software as a Service) companies.

PCI DSS

PYMNTS

MAY 22, 2019

As the need for speed increases worldwide, banks and other financial players are adapting payments to work smarter — not harder. As transaction times grow tighter and cover more distance, several companies are looking to add solutions for cross-border payments that still satisfy regulatory requirements.

Real Time Payments

PYMNTS

JULY 24, 2020

Reuters reports retail sales returned to near pre-COVID-19 lockdown levels last month when so-called non-essential stores in England reopened. Britain’s stores have become the envy of the retail world. In June, sales volumes increased by 14 percent from May, surpassing forecasts in a Reuters poll of economists.

Volume

Finovate

APRIL 23, 2024

Modernbanc Modernbanc helps companies effortlessly manage, secure, and reconcile their payment data. Features Automates the most complex reconciliation or financial ETL in minutes Leverages the power of AI and no-code to give finance teams the superpower of developers Provides native support for live payments data Who’s it for?

Credit Union

The Fintech Times

AUGUST 30, 2024

” Business bank Allica has acquired bridging lender Tuscan Capital from Quilam Capital, representing Allica’s first foray into the bridging finance market. IKEA will also now be able to gather payment data from all its sales channels on one platform.

FinTech

PYMNTS

FEBRUARY 6, 2020

APIs are changing how banks serve their corporate customers, helping them become more competitive. Europe’s open banking regulations have forced financial institutions (FIs) to use APIs to open their data to FinTechs, which has resulted in many new services for businesses. Letting Payments Data Flow.

Faster Payments

Stax

SEPTEMBER 17, 2024

In this article, we’ll explore the ins and outs of payment gateways including how they work and how you could go about implementing them in your business. TL;DR A payment gateway is a solution that securely reads and transfers a customer’s payment information to a merchant’s bank account—both for online and in-person transactions.

Payment Gateways

PYMNTS

MARCH 10, 2020

The small business credit gap is a global issue, a problem that banks and FinTechs continue to hack away at, yet one that remains stubbornly persistent. At the root of the matter is often a lack of predictive data to ascertain the creditworthiness of these small- to medium-sized businesses (SMBs). Beyond Traditional Data.

Underwriting

Stax

APRIL 18, 2024

For a merchant to accept credit cards, they need to pay both credit card processing fees to the banks involved and for the soft and hardware required to process cards. Typically, the merchant’s payment processing software will build the credit card processing rates into their fee. Card Network (e.g., Card Network (e.g.,

Credit Cards

Fintech Review

DECEMBER 3, 2024

For example, PSD2 in Europe opened payment services to non-bank providers, encouraging fintech innovation. Open banking initiatives enable third-party access to bank data, creating opportunities for personalised payment solutions. In contrast, over-regulation can stifle innovation.

Payment Solutions