Category: Expert Perspectives

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.

Five Myths – and the Truth – About Becoming a Payment Facilitator

Being a payment facilitator is not for everybody. The timing might be too early. Or it just might not be the appropriate model for a particular business. But the single biggest thing that gets in the way of becoming a payment facilitator is a lot of obfuscation (lies, TBH) in the industry about what it…

Claim Denied: Three Red Flags to Avoid When Shopping for Payment Facilitator Insurance – and What to Do Instead

Even the best risk management controls won’t prevent every fraud loss. Which got us thinking: how does insurance coverage fit in to the picture for payment facilitators? Are there unique pitfalls that PFs face when obtaining liability insurance for their businesses? And are there considerations they need to understand to help make sure that –…

Why Merchant Underwriting Guidelines Sometimes Make PFs Look Like Traditional Lenders – and Why That’s OK

By Dan Spalinger, Head of Global Advisory Services, Infinicept Some people say that a payment facilitator often functions like a traditional bank. This comparison might strike fear in the hearts of PF founders and leaders. After all, PFs pride themselves on their differences from the “way things used to be done.” But this shouldn’t necessarily…

Can Payment Facilitators Claim Processing Fees as Top-Line Revenue?

For many startups, the way revenue is claimed is an issue with important implications. Top-line or gross revenue is a factor that investors often use to determine a company’s valuation. Maximizing that number has a tangible impact.

Helping Cafeterias Find Their Footing After the Pandemic: A Conversation with OLB Group

When offices were closed due to the pandemic, and employees turned to remote work to stay connected, the cafeterias that served those workers also shut down. Once employees began to return, how could these physical businesses – often used by employees as gathering places – reopen safely and continue to serve employees?

PAR Technology Becomes a Payment Facilitator, Enabling the Launch of PAR Payment Services

PAR Technology, a provider of point-of-sale hardware and software to the restaurant industry, recently introduced its own all-in-one payment processing solution called PAR Payment Services.

How the Payment Facilitator Model Is Designed to Protect Merchants

For years, small merchants were underserved by the payments system. In recent years, more and more types of providers have arisen to bridge this gap.
But not all options are created equal when it comes to protecting merchants and the payments system overall. And this can have important implications for the businesses served.

Doing Patient Payments Better: How PF Modernizing Medicine Solves Healthcare Payment Inefficiency

There are many reasons to become a payment facilitator, not the least of which is the revenue stream it can provide. But revenue alone likely isn’t enough. Celine Kaiser, vice president of payments at healthcare PF Modernizing Medicine, thinks every software provider should carefully consider one question before it goes down the path of becoming a PF: What is the problem you want to solve?

PFs and Financial Inclusion: How Payment Facilitators Help Drive Merchant Acceptance

All over the world, digital payments are experiencing a surge in growth. Much of the growth over the last few months is a result of pandemic concerns about handling cash and the need to obtain necessities during lockdowns. But those circumstances have only accelerated a trend that already existed.