Trending Articles

Becoming Multicultural: Accepting Payments Worldwide
Many companies currently want to expand their operations to new geographies and start accepting payments in different currencies. Globalization takes its toll on the payment services market as well.  As a result, they have to answer similar questions. People study foreign languages and cultures for different reasons. Some just want to be able to buy groceries when abroad. Others want to read foreign books or sing foreign songs. And someone might...
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Migrating to a New Payment Processor
What does the word migration mean to you? Huns led by Attila or Mongols led by Genghis Khan sweeping through the continent? The exodus of the Jews from Egypt? American pioneers moving westwards? Are Mormons moving to Utah to escape persecution on religious grounds? Millions of people changing their homelands in search of a better life? Well, in the world of merchant services, migration to a new payment processor is a...
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From Hosted Payment Gateway to Licensed Solution
What is better: renting accommodation or buying one? Naturally, every answer depends on the particular respondent’s situation. And each of the two options has its pros and cons. Some rent accommodations and switch from one landlord to another as often as they find it suitable. Others take burdensome mortgages, which take many years to payout. These are two extreme cases, of course. Besides them, there are, in fact, many in-between...
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6 Steps to Replace a Legacy Platform
What is your attitude toward a legacy platform replacement? Are you OK with moving to a new place? Of course, everything depends on your particular situation. Living in a cozy little apartment or in a place where you grew up might feel comfortable for a time. However, at some point, you realize that you need to move elsewhere. The place might be too small or too old. Or you need to...
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Accepting Payments without a Merchant Account
-Can I accept electronic payments without a merchant account? -Yes (if the very term “merchant account” scares you). But be ready to go through the necessary background verification process. It is, by the way, more or less, the same as the process of getting a regular merchant account. -Can I pay for a product or service if there is no money in my pocket? -Well, yes, if you have a payment...
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50 Shades of White-label Payment Gateway
Some people prefer to rent accommodations. Others think that nothing is better than “a place of your own.” But what does the term “place of your own” mean? Is it a house you build from scratch? Or is it just a room in a dorm with your name on the door? After all, anyone can visit you in a dorm, in a rented apartment, or your own house. And from...
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The Evolution of Merchant Services: ISO vs PayFac
About 50 thousand years ago, several humanities co-existed on our planet. Relationships of modern humans with other human species (such as Neanderthal etc.) ranged from killing and eating each other to interbreeding. Modern-type humans turned out to be better adapted to changing environmental conditions. So, at some point, all other human species became extinct. However, fragments of Neanderthal and other archaic DNA patterns can still be found in the DNA...
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How Bear Market is Similar to Becoming a PayFac
“Bears are taking over the stock market.” According to many experts, after almost a decade of a bull market, we are entering the bearish zone. During this past decade, most investors just bought stock only to sell it at a higher price a little later. Alas, “buy low, sell high” formula does not work that well anymore. The cruel reality is: hungry bear might be staring into the stock market...
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“The Better Foot Before”: a Key to Legacy System Replacement
Imagine, you’ve invited your friends home for dinner and decided to surprise them with some gourmet cooking masterpiece. However, at a certain point in the process of cooking, you realize that you’ve confused the sequence of ingredients from the recipe. Or you simply forgot to add something at the right time, and now it is already too late. So, you have to start all over again or just call the...
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3 Benefits of Becoming a PayFac for Franchisors
Imagine you discover spring with clear water on your property. What will you do with it? Scenario 1: keep the water source to yourself, to be used by your family and friends only. Scenario 2: start letting people enter your property and use the well for a fee. Scenario 3: start selling bottled water from your spring to whoever wants to buy it. Finally, you can start with scenario 1, and then gradually switch...
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Benefits of Becoming a PayFac for SaaS Platforms
Would you like to have a cottage somewhere in the mountains? From there you could go hiking and, perhaps, skiing with your friends and family. Plus you could rent it (or part of it) to other people, who also want to go to the mountains and need some place to stay. And if you feel like it, you could even open a small mountain resort there. Transform your cottage into...
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Full-Stack Payment Technology for Investment Companies
Let us assume you are the owner of a classy and popular downtown restaurant looking for a payment technology. You know that somewhere in the suburb there is a promising new photo studio. A lot of talented young photographers work there. But they are currently using only 25% of their maximum service capacity. Why? Because their customer base is still too small. You invest money into the photo studio and...
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White-label PayFac: “Try it Before Buy it”
Do you know the difference between classic PayFac model white-label payfac? A friend of mine was once telling me that there was no point in buying an accommodation of your own. Back then, he thought that renting was a much better option. No significant upfront costs to incur, mortgages to pay, repairs to make, or responsibility to assume. Plus, you are free to go and change the accommodation at any...
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Your Own Payment Gateway: Is it the Right Thing for You?
What having your own payment gateway means to you? An image-booster? More control over payment processing? Reduction of payment processing costs? Foundation for a new payment ecosystem? Here are 3 cases when owning a payment gateway makes sense: For image purposes, you want your customers to perceive you as a payment service provider. In this case, you do not really need to own a payment gateway. You can work out a white-label...
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5 Things You Should Know about PCI Compliance
Remember those strange bright signs marking vehicles transporting chemicals by road? Or those movies with guys, whose faces you cannot see, because they are wearing hermetic protective suits? How are they carefully holding strange tubes with some shiny substances? Or special cases marked with a red cross containing human organs for transplantation? Surely, you’ve seen one in the final scene of “The Real McCoy,” haven’t you? Now imagine that a police...
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