In this article we will take a closer look at ACH payments, with particular focus on the list of ACH return codes. ACH return codes are an important category of signals indicating the key issues behind ACH returns. ACH payments are a major payment type in the US. That is why companies need to pay attention at every ACH payment returned and analyze the ... Read more
Author of the Paylosophy blog, a veteran writer, and a stock analyst with extensive knowledge and experience in the financial services industry that allows me to cover the latest payment industry news, developments, and insights.
My works have been cited across media and payment blogs. I do my best to help businesses make the most efficient financial decisions that can positively and significantly improve their business growth.
Whether you are a seasoned investor or just starting out in the world of payments, my writing is designed to be accessible to everyone and help people navigate the complex world of payments. So if you want to stay up-to-date on the latest trends and insights in the payment industry, be sure to check out Paylosophy and my published works.
SaaS Recurring Revenue Model Explained
SaaS recurring revenue model is the primary way of operation of any subscription-based software-as-service provider. Analysis of recurring revenue allows a SaaS or any other company to detect the key trends in the business’s lifecycle. Recurring revenue management largely relies on the results of this analysis. Analytical data allows the management to finetune the SaaS company’s operations in order to maximize the value ... Read more
Embedded Payments: Important Aspects and Features
Embedded payments are an essential paradigm in modern-time fintech industry (as our previous article explains). It is an approach that allows vertical SaaS companies and software platforms to incorporate payment experience into their core offerings. At the same time, it does not require as much effort as becoming a payment facilitator. Thus, a SaaS or software platform can get more control over payment ... Read more
Do Embedded Payments Fit Within Your Business Model?
Embedded finance paradigm is becoming increasingly relevant. Multiple present-day companies would like to incorporate embedded payments into their offerings and monetize them. Let us take a closer look at embedded finance definition and historical context of embedded payments’ evolution. Vertical SaaS companies and software platforms are in the most beneficial position when it comes to embedded finance implementation. However, other businesses might enjoy ... Read more
Black Friday Deals from United Thinkers
United Thinkers offers discounts and free consultations to all businesses that want to improve their payment technologies and the customer experience in 2022 NEW YORK, NY, November 17, 2022 /24-7PressRelease/ -- United Thinkers, a New-York based commercial open-source Payment Management Software provider, introduces a new Black Friday Offer for companies that want to improve their payment technology and processing experience of their merchants. These companies are ... Read more
Payment Gateway Comparison Guidelines
These Payment Gateway Comparison guidelines summarize our team's comprehensive experience of helping diverse companies in search of optimal payment gateway solutions. In this document we both outline the payment gateway comparison criteria and demonstrate how to evaluate and compare specific payment gateway solutions among themselves. Particularly, we analyse 5 offerings, demonstrate their pros and cons, and provide gateway selection recommendations for different business ... Read more
Webinar: How To Have Your Own Payment Gateway
United Thinkers announces a webinar on the implementation of a payment gateway solution. New York, NY – (September 22nd, 2022): United Thinkers, a New-York based commercial open-source Payment Management Software provider, announces a webinar on how to implement your own payment gateway solutions for your clients and prospects, covering the most important phases and aspects of the process. United Thinkers continues its series of payment ... Read more
What is a Crypto Payment Solution?
In these guidelines we summarize our experience and knowledge in the area of crypto payment solution implementation within an omnichannel gateway offering. We outline the main benefits of crypto payment solutions and the key aspects of implementing cryptocurrency payments within an existing payment gateway. Our guidelines provide useful advice and tips for both individual merchants and large platforms looking for optimal ways to ... Read more
SoftPOS solution: concept and implementation tips for businesses
In these guidelines we summarize our recent findings and experience of helping companies with SoftPOS solution implementation. One of the key advantages of SoftPOS systems is that they expand the potential of conventional terminal solutions. Diverse categories of businesses, from micro-merchants to large platforms and enterprise-level companies, can directly benefit from SoftPOS soltuion implementation. So, our guidelines provide useful advice and tips for ... Read more
6 Steps to Implementation of Your SoftPOS Solution
Software point of sale systems or SoftPOS solutions are becoming increasingly popular. In this article we will list the key point of sale system costs and components. You should consider them carefully before implementing a SoftPOS solution. The article is primarily targeted at payment facilitators, software companies, and shopping cart platform owners. A SoftPOS solution is hardware-free, that is it requires no payment terminals ... Read more
Payment Monetization Guidelines for SaaS Companies
United Thinkers releases guidelines on payment monetization for software-as-service platforms New York, NY – (May 9, 2022): United Thinkers, a New-York based commercial open-source Payment Management Software provider has published payment monetization guidelines for software-as-service platforms that want to generate an additional revenue stream from payment services. United Thinkers is releasing the new free guidelines for SaaS platform owners that want to add payment features ... Read more
Payment Technology Webinars Launched
United Thinkers launches a series of Payment Technology webinars, addressing various aspects of payment technology implementation New York, NY – (June 20, 2022): United Thinkers, a New-York based commercial open-source Payment Management Software provider, is launching a series of webinars for their clients and prospects, covering the most relevant aspects of payment technology implementation. United Thinkers is launching a series of webinars primarily targeted at ... Read more
Monetizing Payments for SaaS
Traditionally, many software-as-a-service platforms considered merchant services an additional benefit provided by some third party, such as an ISO. Recently, SaaS platforms have realized that merchant services can become a substantial revenue source for themselves and not just for third parties. That is only if they implement embedded payment logic or integrated payment logic. By doing so, they can start monetizing payments as an ... Read more
Omnichannel Payment Gateway Solutions: Present and Future
If you want to implement your own omnichannel payment gateway solution, then this document is definitely for you. It provides all the essential guidelines on payment gateway solution implementation. Unfortunately, most people underestimate the complexity involved in setting up their own payment gateway solutions. So, with these guidelines, we will try to simplify the gateway implementation task for your business. To make it easier to ... Read more
Crypto Payment Solution: How to Choose the Best Blockchain
Crypto currency payment gateway solutions are getting more and more important for both merchants and platforms. Crypto is no longer just an investment vehicle. It is rapidly becoming a payment medium. So, merchants look for optimal crypto payment gateway solutions which would make accepting cryptocurrency payments possible for them. And PayFacs, in their turn, look for third-party and white label platforms offering crypto ... Read more