You own the payment experience and are responsible for building out your sub-merchant’s experience. Solutions Overview Retail Restaurants Hotel & Hospitality Nonprofit. Discover ISV. 7800. Independent software vendors (ISVs) have to navigate a brave new world where megamergers are reshaping financial services. Videos, FAQs, tutorials, contact info and more. Whatever your industry. AWS Marketplace provides a new sales channel for ISVs and Consulting Partners to sell their solutions to AWS customers. Robust online reporting tools designed to. : Best for global payment processing. For instance, any company that offers its software solution on a. Partner Management. Direct Access to Team: Access the founders and support team directly for advice, help, and problem-solving for your ISO or. Our ISV Partner Program offers the technology, resources, and support you. We offer an array of innovative, reliable, and secure payment solutions to merchants ranging from small and mid-size enterprises to multinational companies and organizations across the globe. Talk to your FCM about whether a membership may be appropriate for you. is a leading payment technology and services provider. MerchantE requires your information in order to contact you about our services. Best-in-class Residual Reporting – maximum transparency. ISOs mostly resell merchant accounts, issued by multiple acquiring banks. Stax: Best for avoiding transaction fees. Choose from a variety of competitive revenue sharing programs for the right compensation model, including risk, no-risk and full-service processing. Out-of-the-box processing. Beside simply reselling merchant accounts and serviced (as ordinary ISOs do), VARs provided consulting services, technical support, and even hardware solutions. Our payment facilitation model is an API-driven solution that integrates seamlessly with your tech stack. Capture payments anywhere, all from one source. Uses < Main Menu. next-level service: 24/7, every day of the year. Brian Hardy. Bring payment technology to your business. The second type is a more modern, technology-first payfac solution from a commerce provider like Stripe. Advanced Payments at no additional cost — useful for recurring and subscription-based billing. What. Square is the best credit card processing company of 2023. (Nasdaq: EVOP) (“EVO”) today announced that SAP ® has certified EVO’s PayFabric gateway solution with the SAP digital payments add-on solution. Electronic Merchant Systems’ Surcharge Program* allows merchants to pass along a percentage and/or fixed amount on all credit card sales. Integrated software vendors (ISVs) have been grabbing market share with software. The core of their business is selling merchants payment services on behalf of payment processors. Strategic collaboration with Authvia enables integration of TXT2PAY ® conversational commerce technology into software. Tim CarterSalsarita's CFO. And with some insight into 2023 trends, management stated that overall January volume growth was stronger than in December. Your customers are up and running in less time for less money with less hassle, helping you strengthen their brand and win more business. Merchant applications are approved quickly and I’m seeing my residuals grow. contact ISV Merchant Support: Phone: 1-877-828-0720; Email: cardpointesupport@cardconnect. Finix Competes with Stripe by Offering Payment Facilitation. See the diagrams below to learn self-developed mini programs (merchants. Merchant Services. #automation #merchantboarding #merchantservices #isv #partnerprogram #. We’ll manage risk, compliance and payouts, and keep you informed through our API. Transcend Pay’s API allows your business to automate front and back end B2B payments. Additional revenueMessage me to learn more about our ISV Merchant Services Partnership Program and how you can get started. Our next-generation credit and risk technology is built to support merchant onboarding and dynamic, in-life management, offering continuous automated customer credit and fraud risk assessment on both hard and soft measures. We offer one partner agreement and easy integration for the U. Sub Menu Item 3 of 6, Merchants. Manage your merchant services program with Atlas, the CRM from Tidal Commerce. They differ from both hardware manufacturers and banks, even though those may also distribute and sell software. Merchant Services for Independent Software Vendors. ISV users can create a new application with minimal data, then call an endpoint that will email a link to the merchant to finish and sign the application. By integrating merchant services into their platforms, ISVs and SaaS companies can provide a better user experience, expand their operations globally, and create a new revenue stream. 1. Payments companies raised more than 40 funding rounds of $100 million or greater in 2021, according to S&P Capital IQ Pro. It's time for change - eliminate company pain points and boost merchant satisfaction and profit for both ISOs and ISVs now. First Data Payment Software Tel: +1 800-365-1998. Our services are no-obligation, fair, and transparent. They provide files for clearing and settlement and other value-added services. Payroc is an Elavon Payments Partner & Registered Partner/ISO of Elavon, Inc. Here you can easily onboard merchants, track all submissions, approvals, and residuals, as well as upload required documents. For assistance in other languages please speak to a representative directly. "I am part of a software company, and we recommend PayTrace to all our customers. ISV & Merchant Hierarchy Payment Logic; Global eCommerce; Point of Sale Solutions; Direct Certification Platform;. Automotive, Healthcare, Education, and Furniture industries will benefit. * Significant M&A activity. According to McKinsey Panorama, global banking revenues are expected to rise by 9 percent a year through 2025, with corporate clients at the heart of this growth. 3mo. By partnering with a reputable payments provider, your ISV business is able to help your clients by simplifying the payment experience in a way that’s tailored to their unique requirements - helping to make your business management capabilities more comprehensive. Find common support topics related to your merchant account and First Data point-of-sale devices. The company’s new Purchase Orders system aims to streamline. Mindbody upped its payments game to offer a seamless payment experience in its business management software. Choice in a processing partner includes pricing, but it also goes beyond it. Payments provide independent software vendors with tremendous value by generating new ongoing revenue streams, improving security and enhancing customer experience leading to greater lifetime value. We provide tools, resources, and dedicated support — everything you need to succeed. EXPLORE MARKETPLACE Talk with Support. Both will rise in worth and demand as client solutions, extra services, and software possibilities. Over 5 million businesses of all types and sizes trust financial solutions from Chase. Engagement that’s one of a kind—not one size fits all. Discover your next career opportunity today on Talent. In-store solutions. The 2021 North America Merchant POS/mPOS Software ISV List is a list of over 175 top POS ISVs (independent software vendors) in the North American POS and mPOS markets for merchants and retailers. 0416. We would like to show you a description here but the site won’t allow us. This endpoint is called "Send application by external key for merchant completion. Why ISVs Need a Merchant Service Partner Instead of just giving a merchant a way to accept payments, ISVs typically also help merchants find new. Integrate Payments Increase Profits and Add Value to Your ISV Platform The retail, kiosk, POS and e-commerce industries are expanding rapidly because of their embrace of new technologies. Merchant services professionals think of sales in terms of two or three hours of prospecting in the field to get four or five prospects to make a sale. Per the map, US merchant services revenue in 2021 comprised fees from processing, point-of-sale transactions, terminal sales, and terminal leasing. Merchant Services; August 28, 2023 (0). 4484 merchantservices@payliance. According to expert projections, the number of unique ISVs. Therefore 60% of SMBs opt for an ISV’s own payment processing option. Blog Webinars Power30 Replay ISV Spotlight Catch-up Sign in. 462. Preferred ISV A Preferred ISV agreement will be in place if an ISV Partner actively markets and campaigns Payscout to their merchants as a primary payment processing provider for their integration. And now, your software can run on select Clover devices, turning your solution. We solve the merchant services puzzle from simple countertop terminals, mobile, software, point of sale, integrations, or an Omni Channel Solutions. Welcome aboard. You can use AppSource to find, try, buy, and deploy the business software and services that help you run your business. Zuora handles the complexities of your recurring revenue business – whether you monetize through subscriptions, consumption, or variety of pricing strategies. Cask Government Solution Center. The ISV will also do KYC on the business and provide the merchant with a merchant account for payment processing. Check the sides and bottoms for some indicator. Gather actionable and objective data. Offer hosted payments, online invoicing, and more! An easy way to scale. We offer everything merchants need to help serve your customers better, grow sales and simplify the way you run your business. Partnering for success. When you work with Get Beyond, you’ll have a Business Advocate guiding you through onboarding, training, and any support you need along the way. 4 Things A Field Services Business Should Look for in a Payment Processing Partner. Saves time with speedy application turnaround. Unlock Portfolio Possibilities. " ISV users can also collect and submit all merchant information. The cooperation improves customer interactions and service quality. 5-star Support Talk with Sales Partner Now Community Careers Help Center System StatusAn ISV (independent software vendor) is a role that helps merchants develop and manage mini programs under the authorization of merchants. We solve the merchant services puzzle from simple countertop terminals, mobile, software, point of sale, integrations, or an Omni Channel Solutions. Company. ISVs. Our students, faculty, staff, and community deserve the best. IRIS CRM. The core of their business is selling merchants payment services on behalf of payment processors. Merchant Onboarding is a process where payment processors or payment service providers (PSPs), such as credit card companies, sign up new customers. Merchants. Partner with Payroc. Much of the industry’s growth will come from fee-based services, such as digital,. Our focus on dedicated team members and easy-to-use technology allows our clients to focus on growing their business. Company. The exclusive source for Now Certified enterprise workflow apps from partners that complement and extend ServiceNow. We make it easy for customers to find, buy, deploy and manage software solutions, including SaaS, in a matter of minutes. Software companies think of sales in terms of spending an average of $700 to $1200 (sometimes MUCH more) through paid advertising to interest merchants in their software. APPS will integrate Splitit into its processing platform and enable Splitit APIs via its front-end to offer its network of ISO's, ISV's and merchants a seamless, simplified way to adopt card-based. The basic distribution channel. ISV Partners Merchant Services for Independent Software Vendors. NMI | 28,568 followers on LinkedIn. PayiQ makes it easy!Talk with merchants in your chosen industry, work with payments experts; identify product gaps and fill them. Our ISV partners get more than a great payment platform technology with top-notch service. Learn More About the IPN. More power to you. Make payment integrations straightforward and simple with EVO’s omni-channel payment solutions. Since 1999, Finer Frames in Eagle, Idaho, has provided innovative. Our services include credit card processing, Paylo. We are an equal opportunity employer. With InterPayments, merchants recover up to 100% of their credit card processing fees. 2. You can provide your merchants their own online merchant reporting portal which supports online services and helps you communicate to your. The. Phone number*. $15 for business to business, e-commerce, hospitality, retail and restaurant. Stax works on a shelf system and the monthly cost is based on your annual income. Merchant services. It offers credit card processing services and a wide range of add-ons and integrations, such as team and customer. However, this is easier said than done; most ISVs do not have the necessary expertise or resources to become merchant services providers. We’re. Elevate your application with efficient integrations, support — and now even devices to complete your platform. 3. Welcome aboard. EMAIL 5-STAR SUPPORT. ISVs lease or sell their software, earning their money by providing Software-as-a-Service. Keep up with competition in the marketplace with PayiQ. The company’s. During the sign-up process, you will be required to link. Fiserv's comprehensive technologies and full-service ISV partner program includes everything you need to build, manage and scale merchant payment acceptance in a. Onboarding and in-life assessments, combined. Or phone (888) 806 6545 5am-7pm Pacific Mon-Fri. A full point-of-sale (POS) system in one sleek package. ISOs rely mainly on residuals, a percentage of each merchant transaction. The Shifting Provision of Merchant Services . Since 1999, Finer Frames in Eagle, Idaho, has provided innovative design, museum. For a merchant, an ISV platform solves multiple problems, such as one contract, enhancement of customer reach, improved marketing tools, and gaining more. Trusted security. 866-945-8964. Find all the resources you need to get started accepting payments as a PayTrace merchant. Merchant Services 800. Merchant Services. js application that automates the process of applying for Merchant Processing Accounts to obtain a Merchant ID (MID) with Payments Hub's Merchant Boarding API. This ISO and ISV ecosystem has thrived in the U. Get industry-specific insights to help you find the right solutions to transform, elevate, and connect your business. Gain complete control over payments pricing for your customers, add value through new functionality, and deliver a more competitive solution. The AFS Sales contact can leverage this document as they discuss APEXConnect offerings as well as finding the best solution for that specific opportunity. At North American Bancard, we celebrate diversity and create an inclusive environment for everyone. Facilitating Embedded Financial Services for ISVs. TSYS is building the future of payments with a suite of scalable issuer solutions. Well-chosen partnerships offer unrivaled opportunities to improve functionality, reach new markets, build a network, and access capital. Utilize Maverick’s Connect for the most streamlined client onboarding process to offer payment acceptance and more through our easy-to-use API. S. Those that offer exciting value-added services can help ISOs and ISVs stand out in a competitive market and attract new merchant customers too. See the diagrams below to learn self-developed mini programs (merchants. They differ from both hardware manufacturers and banks, even though those may also distribute and sell software. An ISV (Independent Software Vendor) is a software producer in charge of distributing software. This issue, in turn, affects the merchant’s ability to afford new stock. National Processing. 10. Brian Hardy. When choosing a vendor, one of our tests was to randomly call the support centers of credit card companies we were looking at and see who answered the quickest and most consistently and if they had a person pick up or a. 4 billion, an estimated growth of nearly $200 billion. A payments leader on your side. Countertop terminals that accept all payment methods, including EMV, chip and PIN, NFC/Contactless, and magstripe. Most revenue growth in merchant services is from small and medium-size enterprises. 6. About half of small businesses now use an integrated software vendor (ISV) as their payment processor, and another 15% are in the process of switching to that type of provider, according to a survey from global consulting firm McKinsey. The software might provide a. This group is somewhat pleased with your merchant’s product and services but could be easily swayed to switch to a competitor if given the opportunity. Square: Best For New Startups. Reduces errors with digital-first innovations. With Zuora, you can move with agility, at scale, and respond to market changes with speed. EVO’s support of the SAP digital. Vendor management is a broad banner, encompassing essentially all of the activities that an organization may engage in when interacting with its suppliers. ET Rather than a merchant developing its own platform, ISVs typically offer a turnkey platform that is hosted, managed, and maintained saving a merchant time and providing value added services. Detailed dashboard reporting. Product Description. Leap also enables agents to offer merchants additional value through services like same-day and next-day funding and high-risk merchant accounts in over 28 industries. Our LIVE payment experts are here to assist you on your journey. A distribution channel is the chain of individuals and organizations involved in getting a product or service from the producer to the consumer. 9655. Besides that, a PayFac also takes an active part in the merchant lifecycle. The price starts at $99 per month for companies with an annual income of up to $250,000. ISV Merchant Support . #isv #Nuvei #paymentprocessing #paymentsolutions #fintech #iso #. Grow your portfolio with a range of powerful and patented solutions, agent-centric tools, and human touchpoints at every stage - all backed by a Fiserv payments platform. Atlas CRM. S. institutions use Ellucian Banner worldwide. Clover POS: Best For Sophisticated Processing Hardware. With 2GBs RAM, powerful front and back cameras, and our fastest processor yet, it’s streamlined inside and out. Solid understanding of merchant services industry. This small gift multiplies into a lot of good throughout our region, with many hands making light work. m. After a soft launch for some ISV clients late in the first quarter, the service became available broadly this week, so all ISVs working with Fiserv can turn on this capability for their merchant clients, a Fiserv spokesperson said. Elavon securely handles over $400 billion worth of commerce annually. Discover our retail solutions. And master merchant accounts will be on the table as well, available for acquirers to utilize. Due to risks of fraud and money laundering, they perform thorough evaluations of potential new merchants before offering them their services. Bring payment technology to your business. Payfac infrastructure company Finix announces that it is now operating its own payfac and competing directly with Stripe and others in offering payment processing services to independent software vendors (ISVs). “PAR’s Brink POS was the first product we deployed due to the simplicity of the user interface and the flexibility of the design. Our ISV solution gives you full control over payments pricing, adding value to your business. If an ISV is working with a merchant service provider and they can build that payment experience into the enrollment of a new customer — into the support of that new customer or who the primary contact is for that new customer — it makes the sales cycle easier because it creates a seamless onboarding that can be fully branded for the ISV. 1. Merchants requiring a Merchant Account with a payment solution provider in order to process payments. MerchantE is your premier partner for offering integrated payment acceptance within your software solution! As an end-to-end payment processor serving U. Second, ISVs offer opportunities to improve core acquiring customer metrics. Clover POS systems are fully customizable and come equipped with tons of business management apps for the most efficient operations possible. 5-star Support Talk with Sales Partner Now Community Careers Help Center System StatusMost Likely Range. ISV payment integration benefits & opportunities. -. 04/25/2022. The company’s customer. Know What Your ISVs Want. All in one solution with point-of-sale software and hardware. (ISV) at Choice Payments SolutionsTo help you find the right solution for your needs, we’ve ranked our picks of the best merchant services for small business available today. ISV & Merchant Hierarchy Payment Logic; Global eCommerce; Point of Sale Solutions; Direct Certification Platform; Gateways & Shopping Carts. Money in your account the next day. Second, ISVs offer opportunities to improve core acquiring customer metrics. The main difference is that ISVs offer specialized solutions in their field that many primary hardware manufacturers don’t offer. We help you to evolve payment technology performance faster and simpler. Blog Webinars Power30 Replay ISV Spotlight Catch-up Sign in. Helping ISVs to Increase Revenue and Reduce Risk. 4. About 38% currently use a legacy merchant services provider. Online Payments. Flexible payment options – Never miss a sale with powerful new ways to accept credit cards anytime, anywhere. Our technology is coupled with a proven ISV growth engine that includes support from our sales and marketing teams. Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. The ISV increases its audience, money, and support in the meantime. e. S. Has deep vertical expertise and customized payment solutions. Online Payments. Customized private label and co-branded card programs—built around you and your customers. This document is intended to be used prior to and while the AFS Implementation area is. Merchant. In the merchant services industry for over. 8335 ext. SECURITY. Learn how Global Payments’ partner referral program provides payment technology and software solutions to add value and confidence for your customers. Variable 11-32 Char ASCIIPartner Portal – ISV platform for managing merchant accounts; Features. 2. PSPs can offer big data that can provide merchants with key insights into customer behavior, such as how buying habits are affected by the weather and at what time of day sales increase for. What ISOs Do. Converting merchants to a new payment solution can be taxing, but our Partner Marketing Program provides you with ISV Merchant Services for support, tools, and resources they need to effortlessly win over existing users and attract new ones to Tilled. AWS Premier Tier Services Partners are the most experienced partners and. Partner Programs Banks Credit Unions Associations ISO Agents Referral ISV Integrated Payments. 2% + $0. Multiple processor integrations, APIs, 3rd party connections, and device support. PayFac vs ISO: 5 significant reasons why PayFac model prevails. Our Registered DBA and ISO programs can get you up and running in as little as 2 weeks, saving you thousands of dollars in card brand registration fees in the process. Our merchant management software works out-of-the-box and is capable of serving the majority of ISV, VAR, and ISO applications with minimal setup required. Attend industry and partner-specific tradeshows and events that will require up to 30%. Do the following to get started with your new device: Unbox the Clover Flex. Stripe provides a way for you to whitelabel and embed payments and financial services in your software. Find out how we can change your business! Within the payment industry, VAR model emerged as the product of ISO evolution. businesses for over. The consulting firm polled about 800 small businesses as part of its annual merchant. Square. For extended security, you can restrict the services or ports that are allowed to communicate over the network. Built for ISOs to manage applications, leads, accounts and more. Developed in-house to meet the. January 24, 2023. Start accepting payments online. The Everest platform combines retail and online, multi regional reporting dashboards, multiple front end processor capabilities, real time tokenization to multiple processors and is capable of providing transaction routing services to multiple back-end processors. Point of Sale. 9 Best Merchant Services of November 2023. ISOs act as intermediaries between merchants and. Build innovative solutions. Blog Webinars Power30 Replay ISV Spotlight Catch-up Sign in. However, choosing a credit card processing provider is a big decision. 634. Your ISV has many embedded payment partner options, that's where Merchant Partner comes in, we can help you determine which is. Here are seven payments monetization opportunities ISVs should consider implementing in 2023. To cater to the many SaaS and software businesses seeks an. Bank partner with more than 1,700 financial institutions and 265 ISOs/MSPs doing business in over 30 countries. Under Installed > Dynamics 365 Items, choose Configuration. Start accepting payments online. The easiest way to accept payments everywhere. ISV payment integration benefits & opportunities. This is an important strategic decision that needs to consider multiple factors, such as merchant market characteristics, card usage trends, PSP competition, ISV competition, merchants’ needs, ISVs’ needs, and a PSP’s own capabilities, among others. Merchant fees are any fees assessed to the merchant by the card brands, the payment processor you choose to partner with, and any add-ons or services you select. Stax works on a shelf system and the monthly cost is based on your annual income. Merchant Services. 2. We can help with everything from processing payroll to setting up 401k plans and streamlining time tracking. Go, Go, Go. The Independent Software Vendor (ISV) market is shaping the way payments systems are evolving. EVO offers ISVs a full range of secure, scalable processing solutions for all types of. 5393 salesinquiry@payliance. Processors edit and format messages and switch to bankcard networks. Updates display in real time. Monthly fees. /command Assigned ID of the POS and Payment Terminal pair- 16 digits Type of transaction. Square. Like most merchant services providers, Payroc is a financial services company first and foremost, and it prefers to rely on third-party partnerships to provide the business tools that merchants need rather than producing any of them in-house. Vice President, ISV Sales - Velocity. By partnering with a reputable payments provider, your ISV business is able to help your clients by simplifying the payment experience in a way that’s. Videos, FAQs, tutorials, contact info and more. Help your merchants compete. With a potential for 10's of Trillions of Dollars in payments to transact through ISVs it's kind of a big deal. The Independent Software Vendor (ISV) market is shaping the way payments systems are evolving. Sales Support. 4mo. The Elavon EPOS system will help you cut queues, banish mistakes, keep tabs on transactions and much more – keeping you and your business in perfect harmony. Start accepting payments online. APPS maximizes the business value of payments. Finer Frames Streamlines Payments with EVO. It currently charges 2. New Customers: 1 (866) 663-6132. Integrated Payments Are the Best Way to Combat Payment FraudOur ISV partners grew by more than 25% for the year translating to almost 25,000 new ISV merchant locations. Fexco Merchant Services Unlimited Company Encryption Support Organization (ESO) iPOS (Integrated Point of Sale) (iPOS)Minimum three (3) years’ of recent merchant services sales and ISV recruitment experience. An ISO for merchant services is a third-party organization that partners with payment processors to sell and manage merchant accounts. com. com 800-634-4484 M-F 8am-5pm EST (Closed banking holidays) Sales Inquiries. This. 1. Most people think of flat pricing when they think of a payfac/Master account and Interchange Plus or Tiered pricing when they. Each merchant service provider received a rating based on over 50 data points. Best merchant services in 2023. Accept safe and secure payments. ISV and reseller partnerships that accelerate technology solutions at the point of sale. Ecommerce, retail, mobile, and more. Merchants have 100% full customization over when, who, and how. d/b/a Velox, with offices at 197 E. Provider Name Service Provider Type URL Operating Region 1&1 IONOS SE Independent Software Vendor (ISV) Merchant Servicer (MS) SafeKey MPI GermanyIn the ISV market, payment-facilitation-as-a-service has become an increasingly attractive, middle-of-the-road option for companies looking to incorporate payment services into the software they sell to merchants. B2B eCommerce ISV Merchant. Converting merchants to a new payment solution can be taxing, but our Partner Marketing Program provides you with ISV Merchant Services for support, tools,. m. 4mo. A sales agent doesn't have to pay the high association fees like an ISO does, but he can't do business in hisBelow are five key reasons payment processing providers should regularly survey ISVs. and center the need for merchant acquiring companies to update and differentiate their service offerings. Our merchant management software works out-of-the-box, capable of serving the majority of ISV, VAR, and ISO. This ISO and ISV ecosystem has thrived in the U. by Don Apgar. The final step involves launching your business and going after leads. (ISV) and software-as-a-service (SaaS) providers to mitigate risk in using public cloud for regulated and sensitive-data. To learn more about where the payments industry is headed and what businesses need to know during this digital transformation, PaymentsJournal sat down with Jarrod Newman, Director of ISV and Channel Partnerships at Blackhawk Network; Dan Coates, Solution Evangelist at ACI; and Don Apgar, Director of Merchant Services. Merchant services providers enable merchants to process payments by setting up and overseeing merchant processing accounts, and managing the front-end of customer transactions—such as all. Podcast: Play in new window | Download The year 2023 is poised to see significant evolutions within the payments landscape. But when a range of tools and services work in unison, they improve the customer experience and reduce the need to stitch together unrelated products from different vendors. Point of Sale. In this scenario, your commission will be 0. The Consumer Financial Protection Bureau (CFPB) offers help in more than 180 languages, call 855-411-2372 from 8 a. In 2022, we are deepening our commitment to our ISV partners’ success by: Making significant investments in new Google Cloud Marketplace functionality, including adding new technical resources that will help accelerate how ISVs distribute their apps and solutions. While a direct-to-merchant sales force remains an important component for acquirers, increasingly a growing share of new merchant accounts are being obtained through the ISV indirect sales channel. This is where white-label payment processing comes in. Stripe. 954. com Sales Inquiries 866. As long-gestating technologies are beginning to gain traction and present a clearer picture of the payments landscape, Bill Lodes, SVP Business. This business model enables the.