Payments Source

JULY 30, 2018

In a post-Equifax world, independent sales organizations, acquirers and payment processors are under much more scrutiny over merchant account applications and underwriting.

Acquirers 67

Acquirers ISOs Breach Underwriting 67

Finovate

MARCH 14, 2025

SBCA uses anonymized, item-level transaction data to help lenders assess small business financial performance, enabling faster underwriting, reduced risk, and improved loan terms. Leveraging this new data in a unique way with SBCA will empower small and medium businesses to have greater access to financing.

Visa 52

Visa Finance Embedded Finance Financial Inclusion 52

The Fintech Times

MARCH 30, 2025

Thirty-one of them have also been acquired. “Selected by top investors and industry leaders, their solutions are designed to tackle perennial business priorities in new ways from enhancing customer acquisition and retention to optimising portfolio management and improving underwriting.”

Innovation 80

Innovation FinTech AI Underwriting 80

PYMNTS

JANUARY 19, 2021

He gave a nod toward “continuous underwriting,” which offers the user who might not have the ability to pay off a credit card within a few months to convert that debt into a loan, and then pay it down over time. In another example, he said that rewards on debit spend could be used to pay down LendingClub loans.

Acquirers 116

Acquirers Credit Cards Debit Card BNPL 116

Stax

APRIL 3, 2025

Its the third-party service that serves as the link between the payment gateway, acquiring bank, and issuing bank or card network. Acquiring bank – Acts as the link between the merchant and the issuing bank. While the acquiring bank is the merchants bank, the issuing bank is the customers bank.

Payment Solutions 88

Payment Solutions Payment APIs and Integration Payment Gateways Gateways 88

Finovate

OCTOBER 24, 2024

Socure has acquired risk decisioning company Effectiv for $136 million Socure will integrate Effectiv’s AI-powered orchestration platform into its digital identity verification and fraud solutions. Digital identity verification company Socure has acquired risk decisioning company Effectiv in a $136 million deal.

Risk 64

Risk Acquirers Fraud Prevention Identity Theft 64

Finovate

MARCH 17, 2025

Walmart shoppers will soon be able to use Klarnas installment loans in-store and online, with OnePay handling the user experience and Klarna underwriting the loans. OnePay will handle the user experience, while Klarna will be in charge of loan underwriting. The deal strengthens Klarnas U.S. “Millions of people in the U.S.

BNPL 59

BNPL Underwriting Agreements Volume 59

CB Insights

SEPTEMBER 10, 2021

PayPal , a fintech company, has acquired Paidy, a buy now, pay later platform, at around a $2.7B The company uses machine learning tools to guarantee merchant payments and underwrite transactions. The post BNPL M&A Heats Up As Paypal Acquires Japan’s Paidy For $2.7B The deal is expected to close in Q4’21.

PayPal 67

PayPal BNPL Acquirers Venmo 67

Payments Source

DECEMBER 6, 2017

Even the efficiencies of an upgrade may not be enough for the human touch that some higher-risk accounts require, leaving a "painful" process for merchants and acquirers.

Underwriting 62

Underwriting Accounts Automation Acquirers 62

Stax

NOVEMBER 14, 2024

They include: the merchant, cardholder, card associations, acquiring bank, issuing bank, and payment processor. These are not banks, but rather governing bodies that set interchange rates, and arbitrate between acquiring and issuing banks. Acquiring Bank: The business’ (i.e., merchant’s) bank.

Credit Cards 88

Credit Cards Process Online and Mobile Banking Payment APIs and Integration 88

FICO

OCTOBER 27, 2016

With its quantitative, empirically derived analytics, FICO ESS will drive objective risk measurement, transparency and predictability into both breach insurance underwriting and longer-term portfolio management––essential requirements in monetizing the rapidly evolving market for cyber breach insurance.

Risk 97

Risk Underwriting Breach Risk Assessment 97

Payment Savvy

APRIL 14, 2021

Due to an acquiring bank processing card funds on behalf of merchants, MasterCard and Visa delegate this risk review to them. Merchants portraying the above behaviors automatically raise a red flag for the acquiring bank and, therefore, Visa and MasterCard. Acquiring Banks are Liable for a Merchant’s Activity.

Acquirers 52

Acquirers Risk Visa Underwriting 52

Clearly Payments

DECEMBER 9, 2023

Navigating the realm of payment processing unveils three key players: acquirers, ISOs, and aggregators. Acquirers: The Foundation of Payment Networks At the heart of payment processing, acquirers, often referred to as acquiring banks , play a foundational role. ISOs are not just facilitators; they are business partners.

ISOs 59

ISOs Acquirers Credit Cards MSPS 59

Segpay

DECEMBER 22, 2023

This seems fitting since the underwriting and compliance processes can be a bit of a challenge. This holiday season, I wanted to give the gift of knowledge by sharing the top common compliance questions and how the right answers could keep you off the underwriter naughty list. And in a lot of situations, that answer is “no.” “Can

Money Laundering 103

Money Laundering Acquirers Processors Underwriting 103

The Fintech Times

FEBRUARY 6, 2025

Mehreen Rafiq has joined Offa as senior underwriter, while Shamila Kausar is now customer service officer. ZeroRisk will use the funding to expand its US presence where it serves a number of Tier 1 acquiring banks. It will use the new financing to expand its operations globally, particularly in the US market.

FinTech 59

FinTech Cross-Border AI Underwriting 59

The Paypers

APRIL 11, 2024

Empower Finance , a player in alternative credit underwriting has announced the definitive agreement to acquire Petal and the completion of its acquisition of Cashalo.

Acquirers 36

Acquirers Underwriting Agreements Finance 36

PYMNTS

DECEMBER 9, 2020

And in terms of their merchant-acquiring and payments businesses, banks didn’t really look beyond their narrow strategic value. So, they just looked at their merchant-acquiring and payments businesses and said: “That's not my expertise. Before 2008, banks were making a lot of money from a lot of things,” noted Lukies. “So,

Innovation 122

Innovation Rules FinTech Acquirers 122

The Fintech Times

SEPTEMBER 11, 2024

MoneyLion has teamed up with Nova Credit to integrate cash flow underwriting into its decisioning engine, enabling credit issuers on its platform to access more comprehensive data for evaluating consumers’ financial health.

Underwriting 59

Underwriting Risk Management Credit Risk Issuers 59

Fintech Review

APRIL 11, 2025

They use alternative credit scoring methods and automated underwriting. Banks acquire or partner with fintech startups to accelerate innovation. AI models will help personalise financial advice, detect fraud, automate underwriting, and optimise risk management. They often lack scale, brand trust, and regulatory experience.

FinTech 52

FinTech Online and Mobile Banking Payment APIs and Integration Cross-Border 52

Fintech News

SEPTEMBER 4, 2024

This integration provides Jenfi with real-time data on a company’s revenue growth and marketing return on investment, enabling continuous monitoring and fast underwriting decisions. The platform’s automated underwriting allows for same-day decision-making and fund disbursement, streamlining the lending process. With a US$6.6

FinTech 114

FinTech Cross-Border Payment APIs and Integration Credit Cards 114

FICO

SEPTEMBER 13, 2021

Consumer habits have shifted to online shopping for goods and services and the impact for merchant acquirers is the need for faster onboarding of new merchants and effective ongoing monitoring to minimise fraud and compliance risk. Automate as much of the underwriting process as possible. Gather actionable and objective data.

Risk 52

Risk Micro-Entry Underwriting Acquirers 52

CB Insights

DECEMBER 13, 2022

Are you a technology company or vendor looking to get in front of tech buyers, investors, and acquirers? One of the largest P&C carriers in the US is looking to partner with insurtech companies that can help with underwriting, reinsurance, risk, and claims.

Underwriting 63

Underwriting Audit Consulting Acquirers 63

The Fintech Times

OCTOBER 29, 2024

Partnerships Tribe Payments, the digital payments and infrastructure orchestrator specialising in issuer and acquirer processing, is chosen by global payment and digital financial infrastructure platform PhotonPay to provide its issuer processing services. Rowntree has held senior roles at Zurich, RSA, Legal & General and Swiss Re.

FinTech 64

FinTech Embedded Finance Multi-Currency Non-Bank 64

Stax

FEBRUARY 15, 2024

It involves a complex ecosystem of financial institutions, including acquiring banks, payment processors, and card networks, alongside technology providers and regulatory bodies. PayFacs also provide a streamlined onboarding experience, manage underwriting, and handle compliance for its sub-merchants.

ISVS 88

ISVS Facilitators ISOs Payment APIs and Integration 88

Clearly Payments

DECEMBER 5, 2023

This comprehensive guide aims to unravel the complexities and distinctions among three primary types of payment processors: Acquirers, Independent Sales Organizations (ISOs), and Aggregators. Acquirers or Acquiring Banks Acquirers, also known as acquiring banks , form the backbone of the payment processing ecosystem.

Processors 52

Processors ISOs Payment APIs and Integration Payments 52

PYMNTS

NOVEMBER 4, 2020

That speaks directly to the business model of platforms such as Ant’s, where the lenders are the ones that do the underwriting. And in terms of underwriting, as PYMNTS noted, firms would be required to underwrite as much as 30 percent of the loans jointly underwritten with lenders. In the U.S., Wider Gaze on FinTechs.

FinTech 70

FinTech Underwriting Regulations Central Bank 70

Finovate

JULY 16, 2024

The new lending tool provides fully automated decisioning by combining big data and machine learning with underwriting expertise. Leveraging Lendio’s technology, FIS’ Digital Lending solution will help banks source, underwrite, and fund SMB loans, making them more affordable for the borrower.

Facilitators 59

Facilitators Underwriting Small Business Automation 59

PYMNTS

SEPTEMBER 22, 2016

In a press release , the company said that it removed a barrier for acquirers and ISOs by simplifying the option to add ACH and Remote Deposit Capture for new and existing card merchants.

Automation 62

Automation Remote Deposit Capture ISOs ACH 62

Fintech Review

JUNE 12, 2024

This includes ensuring data privacy and security, adhering to underwriting guidelines, and meeting reporting requirements. Training and development programs can help employees acquire the necessary skills to work with new technologies. Insurers need to navigate complex regulatory landscapes while implementing innovative solutions.

Risk Assessment 96

Risk Assessment Regulatory Compliance Assessments Risk Management 96

PYMNTS

JANUARY 30, 2018

CEO Mark Bishopp said it will be a “year of getting the word out” through tour stops, virtual CEO talks, and collaborations with some of the biggest names in acquiring and business sponsorship. The new products include a full-service underwriting management system and instant payout for rideshare and similar businesses.

Underwriting 46

Underwriting Acquirers Business Day Facilitators 46

PYMNTS

JANUARY 10, 2020

10) said Aflac Global Investments has reached an agreement to acquire a minority stake in Varagon Capital Partners, a direct lender to mid-market companies. ” He added that the company has developed platform “based on thoughtful and disciplined credit underwriting standards consistent with our investment philosophy.”

Finance 52

Finance Underwriting Acquirers Research 52

Fintech Finance

JUNE 21, 2024

” Gynger provides a unique financing solution for businesses looking to acquire the technology they need – companies can purchase software and services through non-dilutive capital. Gynger utilizes advanced AI and data analytics to underwrite and approve credit for customers faster than any other financing solution available.

PayPal 98

PayPal Embedded Finance Finance On-Demand 98

PYMNTS

JULY 10, 2020

million shares to its underwriters at between $28 to $29. The company said it will use the proceeds of its stock sale to purchase additional office buildings, and may also use a portion to acquire, invest in or obtain rights to complementary technologies, products, services or businesses. million by offering 7.6

Regulatory Compliance 79

Regulatory Compliance Deposit Account Underwriting Origination 79

PYMNTS

JANUARY 10, 2020

10) said that Aflac Global Investments has reached an agreement to acquire a minority stake in Varagon Capital Partners, a direct lender to mid-market companies. ” He added that the company has developed a platform “based on thoughtful and disciplined credit underwriting standards consistent with our investment philosophy.”

Finance 52

Finance Underwriting Acquirers Research 52

The Fintech Times

JULY 30, 2024

By leveraging payment transaction data and providing loan underwriters with real-time credit data, Network International hopes to enable its SME merchants to access new sources of capital. The combination of our payments data with Biz2X’s digital underwriting prowess is a clear advantage to lenders and merchants alike.”

Underwriting 52

Underwriting Embedded Finance Risk Assessment Settlement 52

PYMNTS

JANUARY 14, 2021

Morgan Stanley, Goldman Sachs and Barclays are the underwriters. Petco is controlled by CVC Capital Partners and Canada Pension Plan Investment Board, which acquired the company in 2015 for $4.6 The San Diego-based pet care chain is pricing its 48 million shares of Class A common stock at $18 each, beating forecasts.

Fed 71

Fed Underwriting Acquirers Product 71

PYMNTS

SEPTEMBER 22, 2016

The funding, which is “primarily equity,” according to CEO Dan Preston, will be used to acquire insurance carrier Mosaic Insurance for underwriting of its policies. An on-demand startup — Metromile — just landed $191.5 million in funding for for its pay-per-mile insurance. Who were all these funders? Quite a few.

Underwriting 59

Underwriting Acquirers On-Demand Product 59