Category: Business Economics

How much does it cost to become a Payfac?

One of the main benefits to adopting the Payfac® model is the increase in revenue you get from each transaction processed using your software. But of course, there is also cost involved. So naturally, any company considering the option needs to make sure the investment they’ll make in the Payfac model makes sense financially. So…

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…

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…

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.

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.

Should You PF? Choosing the Model That is Right for You

Every software provider that is considering accepting payments has a fundamental choice to make: Should you handle the payments yourself? Or should you outsource the payments piece to someone else?

To Lend or Not to Lend? That is The Question

As the payments ecosystem continues to evolve and the payment facilitator model continues to hold its own in both profit and demand, a long-time customer offering once considered banks’ domain keeps making its way into the payments arena: Lending.