Stax

JANUARY 23, 2025

The merchant underwriting process helps reduce fraud (including chargeback volume), ensures compliance with regulations, and protects financial stability in the payment processing space. Key steps include application review, risk assessment, credit checks, and compliance verification. Learn More What is Merchant Account Underwriting?

Merchant Services 68

Merchant Services Payment Services Payment Methods Development Team Review 68

FastSpring

SEPTEMBER 12, 2024

For those that might not be familiar, FastSpring is a merchant of record platform that combines all the essential tools you need to scale a digital goods business. In simple terms, we handle everything from payments to fraud management, to custom support and tax compliance, so that sellers can focus on growing their business.

Merchant Services 192

Merchant Services Payment Services Payment Methods SaaS Payments 192

SaaStr

JULY 12, 2024

Grafana Labs still has features and capabilities they hold back that appeal to large enterprises, such as things around security and compliance. How do you drive business around that? But when they discover a large global bank using Grafana Labs, that’s where the product strategy comes in.

Scale 290

Scale Scaling Sales Hiring Sales Recruiting 290

SaaStr

NOVEMBER 18, 2020

They learned the importance of sales tax compliance the hard way—when they had to pay millions in back taxes. When the company first began web app development and selling software-as-a-service in 2004, their business model wasn’t even called SaaS. It’s not hard to understand how Basecamp got this wrong.

New CTO 199

New CTO SaaS Sales CTO 199

SaaStr

JANUARY 12, 2022

Lost a bank customer we had served well for 5 years and up to.5M 5M in ARR b/c we were too small a co and compliance dept blocked renewal (shoulda raised price I guess…) ” — Jared Hansen, CEO Thrilling Foods. “Dig deep about their business model before sending them a proposal.”

CTO Hire 325

CTO Hire Sales Hiring New CTO CTO 325

Subscription Flow

OCTOBER 16, 2024

Compliance with financial laws Calculating your tax, and then making sure that you are compliant with all the relevant tax laws is something that you have to do often. If you sign up with a billing software that cannot auto-generate reports for you, or ensure compliance, you would have to consider migration.

Payment Services 59

Payment Services Payment Solutions Payment Features SaaS Payments 59

Stax

MAY 6, 2025

Acquiring bank This is the merchant bank that allows the business to receive money from card transactions and store these funds. The issuing bank This is the cardholders bank or the financial institution that issued their credit or debit card. Think: Visa, Mastercard, American Express, and Discover.

Accept Credit Card Payments 88

Accept Credit Card Payments Payment Services Merchant Services Payment Methods 88

Stax

NOVEMBER 21, 2024

Whether you are starting a new online store or looking to grow your existing brick-and-mortar small business, you must make provisions for accepting credit card payments. A study by the Federal Reserve Bank of San Francisco showed that credit cards account for 31% of all payments, significantly more than cash at 18%, and debit cards at 29%.

Payment Services 88

Payment Services Merchant Services Payment Methods Payment Solutions 88

Stax

MAY 5, 2025

In recent years, businesses have seen this massive shift from desktop to mobile devices which has forced them to develop apps with built-in integrated payment gateways. In addition to the usual concerns around security and compliance, there’s also the issue of user experience. Alipay, iDEAL, M-Pesa).

Payments 88

Payments Payment Services Merchant Services Payment Solutions 88

Stax

MARCH 5, 2025

The payment processor is a financial institution that handles transactions between the two banks. To choose the right solution, you need to look at various factors when evaluating potential providers, including supported payment types, transaction fees and pricing structures, payout speed, and PCI DSS compliance.

Payment Services 88

Payment Services Payment Methods Merchant Services Payments 88

Payrix

FEBRUARY 4, 2025

This setup is commonly used in marketplaces, software platforms, or businesses that facilitate payments for a network of sellers, service providers, or smaller businesses. The master merchant simplifies the onboarding process for sub-merchants by handling the complexities of payment integration, security requirements, and compliance.

Merchant Services 100

Merchant Services Payment Services Payments SaaS Payments 100

FastSpring

DECEMBER 12, 2022

Payment processors verify that all necessary information is present and in the correct format and then carry it to the issuing bank or credit card network for final authorization. MasterCard or Visa), issuing bank, or electronic wallet (a.k.a., e-wallet) that you want to accept. Local Payment Processors. Learn more here.

Payment Services 148

Payment Services Merchant Services Payment Methods Payment Solutions 148

OPEXEngine

NOVEMBER 22, 2022

“Industry-Centric” SaaS business models offer an alternative SaaS company categorization to the “Customer-Centric” SaaS model, which is defined based on the “go-to-market” strategy used by a management team. When SaaS business models originated, the most successful venture-backed startups used a horizontal model.

Business Model 52

Business Model Business SaaS Scale 52

USIO

JUNE 10, 2024

Understanding Payment Integration Payment integration refers to the process of incorporating payment processing capabilities into your business systems. This enables you to accept various forms of payment, such as credit cards, digital wallets, and bank transfers, directly through your website, mobile app, or point-of-sale (POS) system.

Payments 130

Payments Payment Services Merchant Services Payment Methods 130

Stax

AUGUST 29, 2024

A PSP (Payment Service Provider) can equip your eCommerce and brick-and-mortar business with an all-in-one platform that supports multiple payment systems, including debit & credit cards, eWallets, and bank transfers (ACH). Read on to find out. You can easily sign up for the services of a PSP because of the low barrier to entry.

Merchant Services 88

Merchant Services Payment Services Payment Methods Payment Solutions 88

Stax

AUGUST 20, 2024

Some challenges and considerations of embedded finance and fintech involve regulatory and compliance issues, data privacy and security, and stiff competition. Request Quote Understanding Embedded Finance Embedded finance is the seamless integration of financial services and digital banking into conventionally non-financial business services.

Payments 88

Payments Payment Methods Merchant Services Finance 88

Subscription Flow

JUNE 27, 2024

This feature allows businesses to accept credit and debit card payments from customers helping them manage their finances more efficiently. An integrated payment processing service, Quickbooks Payments, offers businesses the option to accept credit/debit card payments as well as bank transfers (ACH).

Payment Services 98

Payment Services Merchant Services Payment Methods Payment Solutions 98

FastSpring

JANUARY 17, 2023

Legal compliance. Plus, you’ll need to consider whether or not the billing platform supports businesses like yours. Plus, FastSpring takes on the liability of transactions, which means we manage chargebacks, fraud prevention, gathering and remitting consumption tax, and legal compliance. Fraud prevention and chargebacks.

Payments 124

Payments Payment Features Payment Methods Payment Services 124

Stax

MARCH 11, 2025

There are six main payment methods used in online payments, including credit & debit cards, digital wallets, ACH & bank transfers, direct debit, Buy Now, Pay Later (BNPL) services, and cryptocurrencies. The merchant account : this is a special bank account that allows you to accept and process credit and debit card payments.

Payment Methods 88

Payment Methods Payment Services Merchant Services SaaS Payments 88

Stax

MARCH 18, 2025

TL;DR Payment tokenization (sometimes referred to as credit or debit card tokenization) involves taking sensitive information, such as credit card data or bank account numbers, and protecting it by replacing it with a token. Compliance is essential because it both helps to prevent data breaches and cultivates customer trust.

Payment Services 88

Payment Services Payment Methods SaaS Payments Merchant Services 88

Stax

JULY 9, 2024

EFT payments are transactions between the sender and receiver that transfer funds electronically from the sender’s bank account to the receiver’s. This can include peer-to-peer payments, and business-to-business (B2B) or business-to-customer (B2C) transactions. Easy to use.

Payment Methods 88

Payment Methods Payment Services Merchant Services Payment Solutions 88

Stax

FEBRUARY 26, 2024

TL;DR Recurring payments refer to a financial arrangement where a customer authorizes a business to charge their account at regular intervals for products or services. There are a few types of recurring payments to be aware of, which one your business uses will depend on the business model and need for recurring or automatic payments.

Payment Services 88

Payment Services Payment Features Merchant Services Payment Methods 88

Stax

APRIL 30, 2024

TL;DR Merchant processing ensures that all entities, such as the issuing bank, the acquiring bank, and the card company, work cohesively to facilitate payments between a customer and a business. In order to receive card-based payments, businesses need to have a merchant account.

Merchant Services 88

Merchant Services Payment Services Payment Solutions Payment Methods 88

Andreessen Horowitz

APRIL 29, 2024

If you’ve drawn on a line from your venture debt facility, money has been wired to your business banking account. Throughout this series, we have provided many resources to prepare you for this stage of your business journey. The lender would then wire money back through a separate bank account. What happens now?

Payment Services 93

Payment Services Payment Solutions Development Team Review Outsourcing Services 93

Stax

JANUARY 17, 2024

Automated Clearing House (ACH) payments are a type of electronic bank-to-bank payment system in the US. TL;DR A payment facilitator (PayFac) is essentially a SaaS vendor or software provider that enables its users (businesses) to accept online payments from their customers through the platform itself.

Payment Services 88

Payment Services SaaS Payments Merchant Services Payment Facilitation 88

Stax

FEBRUARY 15, 2024

There are two main ways that an ISV can become a payment provider—by adopting the ISO model or the PayFac model. In the ISO model, an ISV partners with a third party that handles merchant account setup, payment processing, risk, and compliance.

Payment Services 88

Payment Services Merchant Services SaaS Payments Payment Methods 88

Andreessen Horowitz

OCTOBER 4, 2023

From our experience, companies who have successfully raised debt typically reach out to roughly 10 potential lenders (banks and credit funds) when setting up their initial discussions—though some ultimately decide to go even broader with 15 to 20. For now, we’ll define lenders in this section to include both banks and credit funds.

Outsourcing Services 129

Outsourcing Services Software Review Scale Banking 129

Stax

MARCH 6, 2024

Recurring billing is a subscription payment model that automatically charges customers at regular intervals for access to a product or service. This business model is used for subscriptions, memberships, retainers, and other solutions offered on a recurring basis. Learn More What is Recurring Billing?

Merchant Services 88

Merchant Services Payment Services Payment Methods Payment Features 88

Stax

AUGUST 22, 2024

TL;DR Payment facilitators remove the need for businesses to open merchant accounts of their own to accept payments. PayFacs handle risk assessment, underwriting, settling of funds, compliance, and chargebacks which exposes them to greater potential risks. On the other hand, this exposes PayFacs to greater potential risks.

Merchant Services 88

Merchant Services Payment Services Payfac SaaS Payments 88

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. Choosing the payment processor and other items in your credit card processing tech stack will depend entirely upon your business model. Card Network (e.g.,

Merchant Services 88

Merchant Services Payment Services Payment Methods Payment Solutions 88

Panintelligence

AUGUST 1, 2024

From mobile banking and digital wallets to blockchain and peer-to-peer lending, Fintech innovations have made financial transactions more accessible, efficient, and secure. For many years, Fintech companies operated with minimal regulation, as regulatory bodies mainly concentrated on traditional banking institutions.

Cybersecurity 59

Cybersecurity Technical Review Banking compliance 59

Payrix

APRIL 3, 2024

This approach creates a seamless experience for your customers and allows you to offload the risk, compliance, and operational costs to your payment facilitation partner, while still reaping the many advantages of Embedded Payments. Plus, a team of dedicated payments experts will be at your disposal to ensure success.

Payment Services 100

Payment Services Merchant Services SaaS Payments Payment Facilitation 100

Stax

SEPTEMBER 12, 2024

That’s why for most businesses, it’s almost impossible to make do without a credit card terminal. Finding the right credit card machine that fits your business model, however, isn’t always an easy task. But if you’re stuck, worry not: in this article, we’ll help you find the best payment terminal for your business.

Payment Services 88

Payment Services Payment Methods Merchant Services Payment Solutions 88

SaaStr

MARCH 26, 2019

Speaker video: Stripe is really a set of developer tools for building and operating an online business. We work with hundreds of thousands of companies around the world on accepting payments, expanding globally, and increasingly on innovating their business models for the internet and for mobile. So what did Stripe do?

Scale 160

Scale Payment Services Payment Methods Scaling 160

Subscription Flow

JANUARY 19, 2024

They handle everything from underwriting to compliance and merchant onboarding. Additionally, they are established independent sales organizations (ISOs) with sponsorship from an acquiring bank. The best part is that it makes the entire procedure for businesses simpler. It is not just about processing payments.

Payment Services 59

Payment Services SaaS Payments Merchant Services Payment Facilitation 59

User Pilot

AUGUST 6, 2023

Data security or compliance risks. Don’t hesitate to adjust your strategy or even pivot your business model when necessary. Bank of America Bank of America’s omnichannel strategy revolves around empowering customers to carry out tasks with the same ease regardless of which channel they’re using.

Investment 97

Investment Social Media Banking Customer Lifetime Value 97

SaaStr

NOVEMBER 7, 2019

It would take days or weeks to even get approved, but you also had to go through all these hoops of PCI compliance. Romain Huet : For Stripe, we had normally this idea of, this has to be much simpler, you can sign up in minutes, but you can also start accepting payments without going through all these craziness of PCI compliance processes.

Payments 149

Payments Merchant Services Payment Solutions Payment Services 149