Should You Expand Further into Embedded Finance?

Firmly planted at the center of their business customers’ operations, software companies provide the essential tools businesses need to succeed. Now, many are expanding into financial services traditionally offered by other providers. These services include things like deposit accounts and lending. You could think of the expansion into payments as the first wave of this…

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Credit Suisse Payments Research Note

Insights & discussion with Infinicept: As part of our 4th Annual Credit Suisse FinTech Conference, we hosted the Co-Founder and Co-CEO (a twenty five-year payments industry veteran) of Infinicept, a business described by our guests as an “operating system for embedded payments” with plans to expand into embedded finance. Watch the full interview. Read the…

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Who’s Who in a Payments Transaction?

Whether you’re in person or online, using a card account to pay for goods and services is deceptively simple. You input your account details into the yoga studio’s form and usually within seconds, your pass is paid for. The only thing standing between you and unlimited tree poses is your level of motivation.

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How Does a Payment Gateway Work?

Whenever any transaction is initiated, it travels first through an entry point that connects the merchant’s systems to the rest of the payments ecosystem. That entry point is known – appropriately – as a payment gateway.

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What is an Issuing Bank?

When you’re on the acceptance end of payments transactions as a merchant or a payment facilitator, you’re likely most familiar with the role of acquiring banks.
But there’s another banking entity that plays a crucial role in card transactions: the issuing bank.

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Breaking Down the Merchant Onboarding Process

In the traditional world of payment processing, a salesperson might go directly to merchant locations, applications in hand, seeking to sign up new customers. If they were successful, the process to onboard that customer could take weeks while the merchant completed and submitted a lengthy application, the payment provider completed underwriting, and payment devices were delivered to the merchant and set up.

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