2025 Holiday Shopping: Small Merchants vs. Big Platforms
The leftover Halloween candy is on sale and Christmas decorations are on every aisle, which can mean only one thing: The holiday shopping season is here again. Like every year, major sales days like Black Friday and Cyber Monday will be make-or-break events for massive retailers and small local businesses alike. But, this year, small merchants may have one factor in their favor: the increasing demand among young consumers for high-quality, in-person shopping experiences.
Are younger consumer...
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Fintech Trends & Insights
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NMI’s perspective on payments industry trends, innovative tech solutions, merchant management and operational best practices.
2025 Holiday Shopping: Small Merchants vs. Big Platforms
The leftover Halloween candy is on sale and Christmas decorations are on every aisle, which can mean only one thing: The holiday shopping season is here again. Like every year, major sales days like Black Friday and Cyber Monday will be make-or-break events for massive retailers and small local businesses alike. But, this year, small merchants may have one factor in their favor: the increasing demand among young consumers for high-quality, in-person shopping experiences.
Are younger consumer...
Read More
VAMP: What You Need To Know About Visa’s Acquirer Monitoring Program
In April 2025, Visa launched two important new programs: the Visa Commercial Enhanced Data Program (CEDP) and the Visa Acquirer Monitoring Program (VAMP). While CEDP only impacts merchants who use Level 2 and Level 3 transaction data, VAMP is critically important to all of your merchants because it centers around fraud and dispute monitoring, the redefining of acceptable rates and the penalties for exceeding them.
In this article, we’ll break down everything you need to know about VAMP, incl...
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White Labeling SaaS Payments: Reinforcing Your Brand and Establishing Deeper Value
Your brand matters. You put a lot of thought and money into designing and establishing it, and you spend good money promoting it. So, why would you give away brand exposure for nothing?
In the embedded payments world, it’s common for software companies to forfeit payments-side branding to their technology partners; they assume that’s just the way things work. But with white-labeling, the brand impressions generated from merchant services and checkout could be yours.
The benefits of that exp...
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The Case for Modular Payments in a Cost-Conscious Market
Merchants want frictionless, convenient, all-in-one payments. But, how much are they willing to pay for them?
In a tough economic climate, more merchants are tightening their belts to keep afloat, and many are rethinking whether the value of some “nice-to-have” payments features is actually worth the additional cost.
As a payments company, that leaves you in a tricky spot. For years, the shift has been toward offering merchants the most products possible to enable one-stop service — think ...
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