What’s Really Working in Embedded Finance: Key Learnings from Adyen’s $100B+ Experience
SaaStr
JANUARY 20, 2025
The platforms that move first are seeing 70%+ revenue uplifts and dramatically improved retention.
Glossary: 117 software-led payments terms to know
Payrix
FEBRUARY 4, 2025
Association Group of card-issuing banks or organizations that set common transaction terms for merchants, issuers, and acquirers. Card brands Member-based corporations that connect consumers, businesses, and banks through electronic payments; establish and enforce rules amongst members; and promote the brands (e.g.,
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Payment processor: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
To operate as an integrated software vendor (ISV) or payment facilitator, a software company requires a relationship with an acquiring bank and a payment processor. A cardholder initiates the payment for a purchase or service to the merchant or service provider with their payment information from a credit card, debit card, or bank account.
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Master merchant: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
The master merchant establishes a relationship with a payment processor or acquiring bank and is responsible for ensuring compliance with payment regulations, handling transaction processing, and managing risks associated with payments on behalf of the sub-merchants. 3 things you should know about a master merchant 1.
What is a Payment Processing System and How Does It Work?
Stax
MARCH 18, 2025
A typical payment processing procedure involves multiple parties, including the merchant, customer, payment processor, payment gateway, issuing bank, acquiring bank, and card networks. The processor facilitates the transaction by communicating with the payment gateway, issuing bank, and acquiring bank.
The Benefits of Digital Disbursements
USIO
MAY 13, 2024
The reason why they can be so expensive is that overtime additional expenses go into paper checks like the costs of labor charges, working hours dedicated to making the check, material costs, and other charges levied by banks. Banks’ major fees are imaging fees, paid check fees, positive pay fees, check reconciliation fees, and more.
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How are Interchange Fees Calculated?
Stax
MARCH 13, 2025
In 2023, 27% of all point-of-sale (POS) payments were made using credit cards while 23% were made with debit cards. Behind every seamless payment card transaction is a complex network of banks, credit card companies, and payment systems working together to transfer money from the customer to the merchant.
Digital Payments: 12 Digital Payment Options to Consider Accepting in Your Business
Stax
JULY 9, 2024
There are a wide variety of digital payment types, such as mobile POS systems, contactless payments, and digital wallets. Mobile phone and online bank transfers, mobile wallet payments, in-app payments, online payments, QR code payments, and all other electronic payment methods that qualify as a digital payment.
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How to Choose Between EFT vs ACH: A Comprehensive Guide
Stax
MARCH 27, 2025
TL;DR: Electronic Funds Transfer (EFT) is the umbrella term for all electronic payments made between bank accounts. Talk to sales Understanding EFT: The Umbrella Term for Digital Transactions Ever paid for your coffee with just a tap of a card or received payment from a customer thousands of miles away? No cash or checks needed.
How to Select the Best POS System for Small Business
Stax
JULY 25, 2024
Years ago, point-of-sale (POS) systems were reserved for large enterprises with big budgets. Today, a small business is barely complete without a POS system. If you feel left out, the good news is that there’s a POS system out there ideal for your business. Finding one for your business can be overwhelming.
The Ultimate Guide to Ecommerce Payment Solutions
Stax
APRIL 3, 2025
Talk to sales Understanding Ecommerce Payment Solutions An eCommerce payment solution is the underlying infrastructure that allows eCommerce businesses to accept and process card and online payments seamlessly and securely. Its the bridge between an eCommerce website, its customers, and the bank. Do you process international payments?
The Complete Guide to SaaS Pricing Strategy
Tom Tunguz
FEBRUARY 26, 2025
Challenges sales compensation : Building effective compensation plans for sales teams is more difficult because the value of an account can’t be fully measured at the point of sale. Teams must reinvent their GTM strategy with new quota structures, sales materials, and margin calculations.
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Demystifying Credit Card Interchange Fees: What You Need to Know [2024 Rates and Updates]
Stax
DECEMBER 20, 2023
Set rate processing Subscription rate processing TL;DR Interchange fees are not collected by your payment processor or bank; they go directly to the card-issuing banks. Interchange fees vary significantly depending on the card issuer, the issuing bank, type of transaction and/or merchant type.
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Payment processor: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
To operate as an integrated software vendor (ISV) or payment facilitator, a software company requires a relationship with an acquiring bank and a payment processor. A cardholder initiates the payment for a purchase or service to the merchant or service provider with their payment information from a credit card, debit card, or bank account.
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The Best Recurring Payment Systems
Baremetrics
MARCH 30, 2021
Here's what makes them different: Third-party payment providers accept payments on your behalf and later deposit the money into your bank account (generally 2 business days after the transaction). Meanwhile, those who handle a lot of in-person transactions and growing startups are more likely to opt for a dedicated merchant account provider.
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Your 2024 Guide to Payment Integration
USIO
JUNE 10, 2024
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. Effective payment integration ensures a smooth transaction process, enhances security, and improves the overall customer experience.
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29 Latin American SaaS Superstars
SaaStock
JANUARY 25, 2019
Its focus is on helping companies handle financial routine and streamlining processes related to accounting, banks, stock, and electronic invoicing, among others. With Colppy, businesses can also work more effectively with their banks and accountants. ContaAzul is a business management platform for small businesses created in Brazil.
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Everything You Need To Know about Merchant Processing and How To Choose the Right Solution for Your Needs
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. This account temporarily holds the transaction funds until the bank verifies the payment.
The Startup Sector That’s Quietly Booming
Tom Tunguz
JUNE 26, 2013
Consumer Credit - After the crash of 2008, bank lending collapsed. SMB capital access - In addition to consumers' feeling the tightening of the credit market, small and medium businesses suffered as local and regional banks' pursestrings contracted in tandem. This is a boon to merchants whose payment fees shrank.
What is a Payment Gateway and How Does It Work?
Stax
SEPTEMBER 17, 2024
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. It’s also the software in your POS system or card readers that processes the customer’s payment data in a brick-and-mortar setting.
Glossary: 117 software-led payments terms to know
Payrix
FEBRUARY 4, 2025
Association Group of card-issuing banks or organizations that set common transaction terms for merchants, issuers, and acquirers. Card brands Member-based corporations that connect consumers, businesses, and banks through electronic payments; establish and enforce rules amongst members; and promote the brands (e.g.,
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What is a Payment Management System?
Stax
APRIL 11, 2024
Look for a PMS that can serve as an all-in-one platform for payment processing, integrates with other technologies, offers appropriate POS equipment, and prioritizes security compliance. Your PMS is a central hub to manage payment requests and store banking information (like your routing and bank account number for ACH payments ).
The Best Credit Card Processing Companies (In-Depth Review)
Neil Patel
SEPTEMBER 4, 2020
Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. Its POS app is rich in features and easy-to-use. Full-Service Credit Card Processor & Merchant Account. 1 – Square — The Best for Ease of Use.
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Understanding the Payment Terminal: Integrated vs. Semi-Integrated vs. Non-Integrated Payment Terminals
Stax
FEBRUARY 28, 2024
Your payment terminal can be fully or semi-integrated with your POS system. Fully-Integrated Semi-Integrated Non-Integrated POS Requirements The POS and terminal are one and the same. As such, there is a 2-way sync between the devices The POS system offers One-way communication to the physical terminal. Card-present rate.
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Understanding Credit Card Processing Fees for Merchants: How Much Does Processing Credit Cards Cost?
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. Acquiring Bank (Merchant Bank): The financial institution that establishes and maintains the merchant’s account, enabling them to accept credit card payments.
Vantiv Worldpay Merchant Services by FIS
Stax
DECEMBER 6, 2024
The move was aimed at allowing both companies to focus on their core competencies: FIS on banking and capital markets technology, and Worldpay on merchant services and payment processing, transforming the way the world pays. This decision was finalized in 2024, marking the official separation of Worldpay from FIS.
How Adopting Mobile Payments Can Help Your Business Grow in 2024
Stax
NOVEMBER 6, 2023
Customers can pay with their watch or phone just by tapping it on a card reader, and businesses can host an entire POS system on a mobile phone. Thanks to these modern payment solutions, credit card, and debit card users can now complete their purchases without swiping or inserting their cards at the point of sale (POS) terminals.
What is Click to Pay and How Does It Work?
Stax
JANUARY 28, 2025
The original sensitive data is still secured and hidden in an external data bank. Payment verification by the issuing bank means the customers bank will check whether the customer has sufficient funds to complete the transaction.
Tap to Pay: What It Is and How It Works
Stax
NOVEMBER 13, 2023
In 2015, many merchants switched to NFC-enabled terminals; by 2019, most banks were issuing contactless cards. Visa, Mastercard, and the customer’s bank) for authorization. NFC even enables smart packaging to provide customers with product and usage information at the point of sale. There are a few options.
Best Merchant Services
Neil Patel
OCTOBER 18, 2020
Do they offer free POS systems, hardware, mobile payments, integrations, etc? There are two primary types of accounts, one is an aggregator (or middleman), and one is an ISO (or independent sales organization). These are middlemen working in between the business and the bank, offering an easy payment processing solution for businesses.
What are Merchant Accounts and How Do They Work?
Stax
DECEMBER 27, 2023
A merchant account acts as a pathway between your business, your customers, and the issuer and acquiring banks to process electronic transactions like credit cards. Without a merchant account, it’s very difficult to ensure consistent cash flow or manage multiple sales channels effectively. Request Quote What Is a Merchant Account?
Master merchant: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
The master merchant establishes a relationship with a payment processor or acquiring bank and is responsible for ensuring compliance with payment regulations, handling transaction processing, and managing risks associated with payments on behalf of the sub-merchants. 3 things you should know about a master merchant 1.
What is a Payment Service Provider (PSP) and How Do They Work?
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). The company also provides a card reader and mobile POS app for free. Read on to find out.
Top 10 International Payment Gateways: An In-Depth Guide
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., PayPal’s services include: QR code and POS systems. Local Payment Processors.
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A Primer on Simple Mobile Payments for Small Business: What Merchants Need to Know
Stax
NOVEMBER 6, 2023
In most cases, your payment software or point-of-sale (POS) will offer an app that allows you to take NFC payments from mobile wallets like Apple Pay, Samsung Pay or Google Pay. A mobile wallet is a virtual wallet that links to a customer’s credit or debit card, or stores their bank information on the mobile device.
ISV vs PayFac: The Similarities and Differences Between Independent Software Vendors and Payment Facilitators
Stax
FEBRUARY 15, 2024
FIS Global reports that in Norway, Sweden, and other Scandinavian countries, more than 90% of transactions processed at point-of-sale (POS) in 2023 were cashless. PayFacs act as intermediaries between merchants and payment processors or banks. Q: What is the difference between ISV vs PayFac?
Best Accounting Software
Neil Patel
SEPTEMBER 2, 2020
Connecting your bank accounts and credit cards to your accounting software makes account reconciliation a breeze. Furthermore, you can choose from cloud-based, desktop, or POS system deployment, depending on your situation. However, not every software includes this. Plus, you get unlimited email support, as well.
Credit Card Surcharges: What Are They, and How Do They Work?
Stax
SEPTEMBER 26, 2024
Merchants pay interchange fees to compensate the cardholder’s bank (issuer) for the risk of managing credit card accounts. You can communicate this through visible point-of-sale signage at checkout, verbal heads-up from staff, or on-screen alerts for eCommerce. Shoppers pay convenience and service fees to businesses.
How Much Do Credit Card Companies Charge Merchants?
Stax
JANUARY 10, 2024
By facilitating credit card transactions, merchant service providers act as intermediaries between credit card companies and the issuing banks. Interchange fees An interchange fee is paid by the merchant’s acquiring bank to the issuing bank every time a credit card transaction is made. Account fees. PCI compliance fees.
Stax vs Riverside Payments: Which Solution Should You Choose?
Stax
APRIL 30, 2024
You may not be able to control the rates set by the banks and card providers, but what you can do is manage those fees through your payment processor. The company has EMV enabled point of sale systems to accept digital wallet payments as well as cards. Debit and credit card processing all come at a cost for merchants.
How to Select the Best Payment Terminal for Your Business
Stax
SEPTEMBER 12, 2024
Since they’re relatively larger and have limited mobility, they’re not great options if you don’t have a single POS location. Mobile credit card terminals: These are smaller, more portable POS systems that connect to a smartphone or a tablet via Bluetooth, and are best used for businesses with no fixed locations, like food trucks.
8 Top Stripe Alternatives: In-Depth 2023 Guide
FastSpring
JANUARY 9, 2023
For example, the Reserve Bank of India limits automatic recurring payments to ₹15,000 INR. Verifone functionalities include: Integrated POS. Square is a popular point-of-sale solution for companies of all sizes. Banking (including merchant accounts, savings accounts, and loans). Cross-channel sales support.
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Stripe vs. PayPal: Which Payment Platform is More Valuable For Your Business?
Baremetrics
MARCH 23, 2021
1 Overview 2 Features Plans Point of Sale International Support Tools for Developers 3 Pricing PayPal’s Basic Fees Stripe’s Base Fees Stripe Billing 4 Usability 5 Customer Service & Technical Support 6 Final Word All the data your startup needs. POS/mPOS (PayPal Here) Transactions: 2.7% Try Baremetrics Free.
Your Complete Guide to SaaS Payments Monetization: What SaaS Companies Should Know
Stax
MARCH 15, 2025
Embedded payments come with a lot of responsibilities, such as bank sponsorship and risk management, which is why finding the right payments partner like Stax Connect is essential to help you monetize payments and own the entire experience. What is Payment Monetization? credit card processing, lending, etc.
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