Fintech Trends & Insights

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NMI’s perspective on payments industry trends, innovative tech solutions, merchant management and operational best practices. 

A customer taps a card on a handheld payment terminal held by a smiling vendor at a lemonade stand in a sunny park, with another drink stand behind them. Payments 101 Flat Rate vs. Interchange Plus: Which Pricing Model Is Right for Your Platform By Garth Beyer Picture two refreshment stands across from each other in a busy park. One sign reads "Frank's Flat Rate Refreshments." The other reads "Izzy's Interchange Cafe." Same drinks, same customers, two different ways of arriving at a price. That's the simplest way to understand the two most common approaches to payment pricing: Flat Rate and Interchange Plus. If you're embedding payments into your software, you have to choose one or decide whether offering both makes sense. The right answer depends... Read More
Expanding Revenue Streams With Intelligent Instant Payments Expanding Revenue Streams With Intelligent Instant Payments by Dwolla If you lead payment operations for an enterprise, you face growing pressure to cut costs while also finding new sources of revenue. Yet most payment optimization efforts focus only on cost reduction, which leaves potential revenue growth untapped. Read More
A customer taps her smartphone on a handheld payment terminal held by a smiling vendor at an outdoor pumpkin patch stand. In-person Payments Scary Good Payments: Making the Most of Seasonal Pop-Ups By Dennis O'Connell Each fall, seasonal merchants open their doors for business. Costume shops fill empty storefronts. Haunted attractions light up old warehouses. Pumpkin patches and corn mazes open their gates for a few short weeks, only to close until next year. These merchants are easy to overlook and difficult to serve. Since they earn most of their annual revenue in a handful of weekends, they need payments that work from opening day. The payment providers that make them easy to onboard, equip and bring b... Read More
Professional at an office desk reviewing an AI assistant dashboard on a monitor, representing agentic commerce Fraud Prevention Know Your Agent: Payment Security When the Buyer Isn’t Human By Phillip Goericke The next wave of legitimate online shoppers won’t always look human. Some won’t type, move a mouse or even visit a traditional checkout page. They’ll be AI agents acting on behalf of customers. For payment providers, that creates an entirely new security challenge. The automated behavior we’ve spent years learning to detect and block could soon represent genuine customers and valuable transactions. Get it wrong, and merchants could lose legitimate sales. Relax the rules too far, and fraudste... Read More
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