Trending Articles

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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Does your processor support all the technical features you need?
Many payment industry players like merchants, ISOs, payment facilitators, and PSPs are not satisfied with their payment processing relationships. In most cases, their current processors do not support some particular technical features they need. Top Technical Features to Look for in a Payment Gateway Besides transaction processing costs, technical features are important criteria of payment processing partner selection. Specific factors include:ease of integration with the processor’s platform, user-friendly reconciliation and settlement logic, ...
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3 Steps to Lower Your Processing Costs
“So, how much processing costs are you paying for transaction processing?” I once asked a friend of mine who owned a small retail store. According to his words, he was paying only 2.5%. But when we looked through his merchant statements, it turned out he was actually paying 5.8%. Quite a difference, isn’t it?Was that merchant so ignorant? Well, yes and no; the truth is, some people simply do not...
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What is the Best Payment Gateway For Payment Facilitators?
Is it time to become a payment facilitator and choose the best payment gateway to make more money on payment processing? This is a question which many companies ask themselves every day. Is your company one of them? Maybe, you have already considered the prospect of becoming a PayFac and answered the question affirmatively.The biggest challenge about becoming a PayFac is, perhaps, finding the proper technology. We can bet, many...
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Considering Recurring Billing Solution Features, Needs And Models
There are several ways to approach recurring billing solution, and your company must make the right choice for success. First, you should take into consideration the type of recurring billing your company needs to support. Also, you will need to make sure that the solution you choose matches your way of doing business. When deciding on a recurring billing solution, consider:ease of payment plan set up through the user interface or...
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The choice of UniPay gateway is the choice of the reliable, time and industry tested payment solution, which can help your business to become more competitive and profitable.

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