Guides

What Is a Payment Facilitator?

The payment processing landscape is constantly changing, and to stay competitive, Software as a Service (SaaS) professionals—such as independent software vendors (ISVs), value added resellers (VARs), and developers— must harness the latest payment technology to ensure top-level merchant satisfaction.

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For the vast majority of merchants, a satisfactory payment processing account entails, among other things, a rapid account onboarding process and a simple
rate structure. Merchants don’t want to deal with […]

Payment Methods: A Brief History and a Look to the Future

“There are two kinds of forecasters: those who don’t know and those who don’t know they don’t know.”
—John Kenneth Galbraith, Economist
Unless you have a crystal ball, you can’t predict the future. But paying attention to your customers’ buying habits will give you a good idea for where payment trends are headed. This white paper examines the current state of U.S. purchasing trends: who the shoppers are, what they buy, how they make their purchases, and what payment methods they […]

What is a Payment Gateway?

Put simply, a payment gateway is a software application that enables merchants to accept payments made with credit and debit cards for instore and online transactions. The payment gateway facilitates transaction processing by securely encrypting payment information and transferring that data between the merchant’s store or website, the bank that processes the payment, and the bank that issued the card used to make the purchase. A payment gateway can be positioned either entirely digitally—with credit card information being routed […]