ISO & Agent

Global Payments hasn't hesitated to shell out huge dollars if it provides a quick-strike opportunity to pair technology with multichannel payments in markets where such marriages remain rare.

Shopping and paying for goods with a smartphone or tablet has been a staple of modern consumerism for years, but mobile wallet adoption is just at its early stages, writes Lisa Stanton, president of InAuth.

Plenty of U.S. merchants still working to complete their migration to EMV now have another high-pressure technology hurdle to worry about: Most are still using a core transaction security protocol set to expire in the next 11 months and if they don’t take appropriate action they’ll be unable to process transactions.

Facebook, Twitter, YouTube, Instagram, Reddit and blogs create environments where like-minded users can connect, share opinions and cultivate a sense of camaraderie, creating an unprecedented number of distinct nano-segments, writes Steve Gilde, director of global payments for Paragon.

Machine learning can allow customers to take control of their data-driven decision making, including fraud, writes Mark Goldspink, CEO of The ai Corporation.

Improving accounts receivable can produce predictable cash flow that can be invested, lead to more innovation and increase overall efficiency, writes Flint Lane, CEO of Billtrust.

APIs allow businesses in every market to make payments online, quickly extend their own payment functionality and roll out new features with minimal effort, writes David Yohe, vice president of marketing at BillingTree.

Cash and checks are still the most transparent and predictable form of payment for grocers, writes Mark Horwedel, CEO of the Merchant Advisory Group.

The incumbents, such as Visa, Mastercard and First Data, are prepared to compete in all segments of the market, writes Subhajit Das, a visiting research fellow at the Christensen Institute from Tata Consultancy Services.

Once considered one of the strongest methods of ID, finger biometrics can now be copied and used to expertly defeat biometric authentication, writes Deepak Dutt, CEO and founder of Zighra.

Cyberattacks are on the rise, but that doesn't mean becoming a victim is inevitable. The right preventative measures and best practices can help secure digital assets and customer data, writes Robert Fifield, co-founder of Payably.

Same-day Automated Clearing House transactions exist, in part, as a first step in the faster payments initiatives taking place in the U.S. But are they lucrative enough for acquirers to add to their portfolio?

As an industry, payment system providers and other IoT systems makers in all stripes and colors need to shift the paradigm and build in tamper-proof security based on their original configuration, writes Assaf Harel, CTO of Karamba Security.

Hub brand requirements are modest compared with retail systems. They communicate reputation and trust to a relatively small set of sophisticated firms they hope to serve.

Increasingly, the acquiring and ISO business has taken the view that advances in technology that originally looked like threats instead made it easier to sell more products and support more payment types. But this opportunity won't last forever.

When you look at the potent combination of Prime customers (who are the only ones eligible to shop on Prime Day) and Echo owners, Amazon was shrewd to give those customers extra special treatment.

The move will explore the risks and opportunities of the new technology, and the group membership allocation across agencies and stakeholder groups seems to be a reasonable way to include a range of opinions, writes Rob Viglione, co-founder of ZenCash.

Open APIs can bring speed and flexibility to P-to-P payments, e-commerce and financial services. But there's also identity and performance risks that banks need to address, writes Rahul Singh, president of financial services at HCL Technologies.

The number of channels consumers use to pay their bills is unlikely to decrease anytime soon, so billers that are able to check off every bill payment channel will enjoy a competitive advantage, writes Jim Lester, senior vice president of product management and strategy for biller solutions at Fiserv.

Retailers were already skeptical about letting customers pay with bitcoin before the cryptocurrency’s price underwent an astronomical rally this year. That rapid surge hasn’t made them any more accepting. In fact, it may have done the opposite.