The rate of change in the payments space has increased over the past decade – and the coronavirus pandemic has accelerated those changes even more. As a point of sale (POS) software developer or independent sales organization (ISO), it’s vital to your business to monitor payment trends and ensure the solutions and services you provide align with merchants’ and consumers’ demands. Here are a dozen payment trends that are impacting the way people do business and the technology they need to support it:

1. Consumers’ appetite for contactless payments is increasing.

    The pandemic has driven greater awareness among consumers about behaviors that could increase their risk of contracting COVID-19. One of those behaviors is touching devices that other people have used – including PIN pads. As a result, more people are choosing contactless payment. A recent National Retail Federation (NRF) survey found that 69 percent of retailers saw an increase in contactless payments in 2020.

    Historically, a country or region saw an increase in contactless payments after consumers had a nudge to try it. For example, the beginning of widespread adoption in the UK followed commuters using contactless payments for London Transport System fares, and in India, adoption followed using contactless cards to make purchases from vending machines. Now that U.S. consumers have discovered the ease and convenience of contactless payments, all signs point to continued adoption and use, with tap on phone technology to closely follow.

    2. Digital wallets and loyalty apps gain popularity.

      Contactless payments include mobile wallets and payments through loyalty apps, as well as using contactless payment cards. Mobile wallets and apps, however, also give consumers added functionality, such as storing additional information, engaging with merchants, and earning rewards.

      NMI research found that, in the early months of the pandemic, consumer preference for mobile wallets increased 3 percent. NMI also found that a merchant’s ability to accept mobile payments could impact their revenues. Our research found that 43 percent of consumers avoid doing business with merchants that can’t accept contactless payments.

      3. QR codes find new uses.

        Consumers are familiar with scanning a QR code to join a loyalty program, access product information or download a coupon. Consumers’ demand for touchless payment experiences also revived QR codes as a payment trend. Instead of using a PIN pad or paying with cash, consumers can scan QR codes that take them to online payments pages, enabling a touchless experience. With QR codes, there’s nothing for the consumer to download, and merchants that can accept online payments can deploy the system without a costly investment in new point of sale (POS) software or hardware.

        Merchants can also embed QR codes in online ads or social media posts for a “buy now” experience.

        4. PIN on glass rolls out.

          Solutions are now available that allow merchants to download apps onto any mobile device, including smartphones, and accept payments. PIN on glass technology enables card-present EMV payments via touchscreen – the solution gives the merchant a virtual PIN pad on their mobile devices that they can use to enter payment information.

          PIN on glass is an especially valuable tool for small and medium-sized (SMB) businesses that need the ability to accept secure digital payments but don’t have the budget to deploy traditional systems.

          5. Biometric authorization becomes more common.

            Many consumers who make purchases on their smartphones or use mobile wallets are accustomed to authorizing that payment with their thumbprint. The use of biometric technology is poised to expand, with facial recognition, voice matching, or other forms of biometric authentication introduced to verify the cardholder’s identity and prevent fraud.

            6. Shoppers opt for frictionless checkout.

              A SOTI survey in 2019 found that 73 percent of shoppers say they’d rather use self-checkout than engage with store associates. Now, with health safety concerns at the forefront, consumers are even more motivated to keep their distance from others.

              Although every merchant isn’t prepared to launch an Amazon Go-like system of totally frictionless payment that leverages smart cameras, Internet of Things (IoT) and artificial intelligence (AI), merchants can deploy self-checkout and payment kiosks to provide their customers with the safe, socially distanced options they demand today.

              7. Small banks get more involved in fintech.

                Another 2021 payment trend to watch is small banks’ response to industry changes.

                Without new technology, the community bank or credit union could fall behind large competitors with expanded resources from acquisitions and tech investments or new entrants disrupting the banking space with innovative payment platforms, including payday apps, person-to-person payment and loan approval options.

                The community bank is fighting back by partnering with fintech innovators to provide the products and services that their customers demand and keep them in the game.

                8. Cloud adoption continues.

                  One option for small banks – or any financial institution – is to use a cloud platform to innovate and create unique payment platforms tailored to their customers. For example, a white-labeled solution can bring together customer support, customer relationship management (CRM) and payment processing, including mobile or unattended payments, with minimal coding.

                  9. The unified commerce journey continues.

                    Not so far in the past, merchants had disparate solutions that enabled card-present or card-not-present payments, stand-alone gift and loyalty, and separate unattended payment systems. This inefficient approach with disjointed systems and experiences cannot meet today’s consumer expectations – or enable efficient operations in the COVID-19 world of online ordering, curbside pickup, and self-service. Unified commerce empowers merchants with one platform from which they can manage all payment types on all channels, efficiently and accurately, and minimize the time it takes to get funds from digital payments into their accounts.

                    10. Real-Time Payments gain traction.

                      Real-Time Payments® is a network that enables immediate fund transfers, driven by the increase in digital commerce. However, RTP isn’t only for person-to-person payments. The network is designed for all segments, including B2B, B2C, government, and more. For merchants, Real-Time Payments can improve cash flow, getting funds from digital payments into their accounts without delay.

                      11. AI powers BI for valuable data insights.

                        Unified commerce platforms generate terabytes of data on merchants’ customers, their behaviors, and their businesses. However, the value of that data can remain trapped in data lakes due to the inability of business intelligence (BI) solutions to analyze data from all sources and deliver timely insights. AI-powered BI platforms are changing that with a greater ability to process high volumes of data in just seconds. AI can finally provide the insights merchants need, when they need them, providing real data ROI.

                        12. White label payment solutions.

                          One payment trend impacting developers and ISOs directly is offering white-label payment processing services under their own brands. This option gives you more control over the experiences you provide to your clients, and it also eliminates confusion over who your clients’ primary contact should be.

                          A New Payment Trend for 2021

                          The 12 payment trends listed shouldn’t come as a surprise – they have been picking up momentum for some time. However, one trend has emerged in the past year – merchants looking for strong technology partners to help them recover from the impact of the pandemic on their businesses.

                          Use your knowledge of the vertical markets you serve, POS and payments technology, and the information on how a robust and flexible payments platform can play a role in your clients’ recovery.

                          Stepping up as a trusted business advisor, as well as ensuring you are helping your clients address significant payment trends, will strengthen your business relationships and your own competitive position.

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                          NMI Insights

                          Are Smartphones the Digital Payments Hardware of the Future?

                          With Tap on Phone, any merchant – of any size – can accept contactless payments easily, quickly and securely. Small and m...

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                          NMI Insights

                          Why Square Could Be the Most Formidable Bank Competition

                          FinTechs are launching banking services and targeting your small and medium merchant customers. Small and medium merchant...

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                          NMI Solutions

                          Q1 2021 Platform Updates and Enhancements

                          As always, we've been hard at work updating and enhancing our Payments Enablement Platform. During the past quarter, we re...

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                          NMI Insights

                          How COVID-19 Changed Commerce Forever

                          An omnichannel payments platform gives businesses the agility they need to do business on any channel. Long-time brick-an...

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                          Events

                          Webinar: How Digital Banking Services Enable Banks to Successfully Compete with Rising Fintech Disruptors

                          Kyle Pexton, NMI President & CFO, took part in a recent Payments Journal webinar. Kyle was joined by Raymond Pucci, Direct...

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                          White Papers

                          Banks Can Compete with Fintechs. Here’s How.

                          Banks today face growing competition from financial technology companies (Fintechs). The mobile banking, payment processin...

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                          Webinars

                          NMI to present panel session at Ticketing & Payments Innovation Online Summit

                          NMI will be at the Ticketing & Payments Innovation Online Summit 2021 from the 30 - 31 March. This online event will exami...

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                          Events

                          Leaders in Payments D&I Summit 2021

                          Our Chief People Officer, Kim Norwesh will be taking part in the Leaders in Payments D&I Summit on April 14th from 12pm - ...

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                          NMI Insights

                          What’s Driving the Ghost Kitchen Trend?

                          The concept checks the boxes for doing business in a pandemic, but it takes the right technology to make it work. Success...

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                          NMI Insights

                          Parking Pay Stations and Payment Apps: Commuters Demand Choice

                          New technology and omnichannel payments enable parking facilities to make payments frictionless. Parking facilities face ...

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                          NMI Insights

                          How Banks Can Defend Their Place in the Payments Value Chain

                          Banks can actively compete with large banks and fintechs that have been encroaching on their business. Banks and credit u...

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                          NMI Insights

                          Checklist for Choosing a Payment Gateway

                          Use this 10-point list to help find a payment gateway partner that will provide the most significant benefits to your cust...

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                          NMI in the News

                          2021 POS Software Trends Report: Accelerating Innovation

                          Hospitality Technology released their 2021 POS Software Trends Report, highlighting restaurant operators’ top priorities f...

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                          NMI Insights

                          2021 Payment Trends Poised to Make Big Impact

                          Retailers, restaurateurs and other merchants have made significant changes to adapt to health and safety requirements, evo...

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                          NMI in the News

                          Contactless is no passing fad. It’s the future of payments

                          Kyle Pexton, NMI President and CFO, was recently published in Forbes talking about the staying power of contactless paymen...

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                          NMI in the News

                          Are stores going to turn into ghost towns?

                          Learn more in this recent RetailWire article about how consumer preferences are shifting and what safety protocols should ...

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                          NMI in the News

                          The SPENDemic: Holiday Shopping During COVID-19

                          Our SVP of Product, Jennifer Sherman sat down with Payments Journal to discuss the shifting holiday shopping landscape and...

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                          NMI Insights

                          7 Payment Processing Tips for the 2020 Holiday Season

                          Welcome to 2020’s holiday shopping season, a critical time of the year for most merchants. With so much at stake, even mor...

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                          NMI in the News

                          Proper Sanitary Procedures and Touchless Payments Key to Small Business Success in 2020 Holiday Season

                          Small businesses can succeed this holiday season by implementing proper sanitary procedures and touchless payment systems....

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                          NMI Solutions

                          Holiday Shopping 2020: More Sales, Less Contact

                          COVID-19 has ensured that this holiday season, like the rest of 2020, will be unlike any other. Brick and mortar retailers...

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                          NMI in the News

                          Main Street pins hopes on Small Business Saturday sales to help stay afloat

                          Our Chief Strategy Officer, Nick Starai, sat down with CNBC to discuss what small businesses need to focus on and prioriti...

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                          NMI in the News

                          Single-Source Enablement for Partners

                          The Green Sheet recently shined a spotlight on NMI in a company profile that highlighted major benchmarks over the last fi...

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                          NMI in the News

                          Survey: Consumers are taking a cautious approach to Black Friday

                          Retailers that don’t offer contactless payments risk losing sales this holiday season. Learn more about how retailers need...

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                          NMI Insights

                          Black Friday won’t matter as much for retailers this year. Here’s why.

                          The COVID-19 pandemic, which upended retail this spring, has already left its mark on the holiday shopping season. Our 202...

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                          NMI in the News

                          Shoppers will avoid retailers without contactless payments this holiday season

                          Even though the end of the pandemic is difficult to predict, consumers are still planning their holiday shopping – but the...

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                          NMI in the News

                          Vijay Sondhi on his journey to become CEO of NMI & the future of payments

                          During Episode #5 of the Leaders in Payments podcast, hosted by Greg Myers, NMI CEO Vijay Sondhi discussed his journey to ...

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                          NMI in the News

                          2020 holiday shopping season off the healthy start

                          How are retailers and merchants preparing for Black Friday and the holiday shopping season? Our 2020 Holiday Spending Insi...

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                          NMI in the News

                          ISOs need to find a new level of agility

                          It’s more important than ever that ISOs and software developers enable merchants to offer omnichannel payments and ensure ...

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                          Insights

                          2020 Holiday Spending Insights Report: Shoppers are looking for convenience and protection from COVID-19

                          While the future of the pandemic is difficult to forecast, consumers aren’t letting uncertainty rain on their holiday shop...

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                          NMI in the News

                          NMI named top financial security solution provider of 2020

                          NMI is pleased to be recognized as a top financial security solution provider by CFO Tech Outlook and to have our Presiden...

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                          NMI in the News

                          Simplified EMV and contactless integrations

                          COVID-19 has accelerated the need for providing sanitary, safe and convenient payment methods for consumers. As storefront...

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                          Insights

                          Webinar Recap: 2021 Product Roadmap

                          In our recent webinar Jennifer Sherman, NMI’s SVP of Product gave a look into what's coming next for NMI and how we're emp...

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                          NMI in the News

                          The payment evolution: New technologies to capture revenue

                          Consumers’ need for convenience has rapidly accelerated amid the COVID-19 pandemic, especially when it comes to how they p...

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                          NMI Insights

                          Are you and your merchants protected from phishing attacks?

                          If you didn’t know, October is Cybersecurity Awareness Month in the US. This year’s theme is “Do Your Part. #BeCyberSmart....

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                          Product

                          Q3 2020 Platform Updates and Enhancements

                          As always, we've been hard at work updating and enhancing our Payments Enablement Platform. During the past quarter, we re...

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                          NMI in the News

                          7 ways retailers, banks and fintechs are innovating amid the coronavirus pandemic

                          Amid the disruption of the coronavirus pandemic, many companies are taking a chance on innovative new technologies to keep...

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                          Insights

                          Webinar recap: Strengthening commerce solutions with contactless payments

                          In our recent webinar Nick Starai, NMI’s Chief Strategy Officer, discussed contactless payment trends, ways to quickly and...

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                          Insights

                          Unattended kiosks: Self-service reaches new levels

                          Unattended kiosks aren't a new concept, but a variety of factors are driving adoption and changing the way some businesses...

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                          NMI in the News

                          The resurgence of QR codes

                          One way the pandemic has changed how customers shop is through the increased adoption of QR code technology in the consume...

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                          NMI in the News

                          The Sudden Ascent of QR Codes

                          QR-code transactions have ridden a rising wave sparked by consumers’ fears of touching surfaces like terminals and keypads...

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                          NMI in the News

                          Retailers are doing more with QR codes amid the coronavirus pandemic

                          The humble QR code had been on the rise as a payment method for many years, but the pandemic expanded its use in the U.S. ...

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                          Insights

                          Steps to take to ensure the highest level of contactless card transaction security

                          Since the pandemic began, consumers have gravitated toward doing business in the most socially distanced, touch-free ways....

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                          NMI Insights

                          QR Codes in Retail Create a Simple Option for Contactless Payments

                          QR code technology has been around for years, but it looks like it's time, due to the current demand for touchless solutio...

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                          NMI in the News

                          Tech’s Role in the Future of Restaurants

                          Restaurants have been drastically and, in some cases, permanently changed in recent months, and it’s likely that dining es...

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                          Insights

                          Tap to Mobile: A payment revolution for SMBs and micro-merchants

                          For most merchants, payment terminals have become ubiquitous necessary parts of their technology investments and the cost ...

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                          NMI Solutions

                          COVID-19 Becomes US Contactless Payments Catalyst

                          COVID-19 has consumers and merchants rethinking the way shopping and payments are done. Paying with potentially tainted ca...

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                          NMI in the News

                          Invest Bristol and Bath Company Spotlight

                          Invest Bristol and Bath sat down with NMI’s CISO, Jeremy Gumbley to talk all about our company’s roots in West of England,...

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                          NMI in the News

                          Big platforms like Instagram are increasingly using QR codes

                          QR code adoption has skyrocketed as a result of COVID-19, and more and more industry leaders are beginning to use them. In...

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                          White Papers

                          Payment integration checklist: 5 traits to look for in your payment partner

                          The right payment gateway partner can mean the difference between success and failure in today’s shifting climate. This is...

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                          NMI Insights

                          Innovative payment technologies that commuters will love

                          Social distancing has consumers making payments from their cars -- and wary of cash and using PIN pads. Here’s how you can...

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                          NMI in the News

                          Green Sheet Q&A with Jennifer Sherman

                          QR codes started gaining popularity in the restaurant industry and now are making their way into other industries such as ...

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                          NMI Insights

                          Offer Kiosks to Enhance Your Clients' Omnichannel Businesses

                          Kiosks bring a part of the digital shopping experiences in-store as well as providing a sanitary, socially distanced way t...

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                          Insights

                          Reasons to follow Starbucks' lead on mobile payment acceptance and pickup-only

                          A mobile ordering and payment app and pickup-only locations not only streamlines customer experiences, but it also meets t...

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                          NMI in the News

                          All of a sudden, QR codes are everywhere

                          QR codes are infiltrating the restaurant industry, offering an easy touchless ordering option amid the coronavirus. Our SV...

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                          Insights

                          The advantages of restaurant online ordering and delivery over third-party platforms

                          Restaurants that quickly signed with third-party ordering and delivery platforms may be rethinking their decisions now. Gi...

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                          NMI Insights

                          FIRESIDE CHAT: Fueling the recovery of COVID

                          Today’s chat is hosted by Grace Waller, NMI’s Marketing Project Manager who sat down with Jen Sherman, NMI’s SVP of Produc...

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                          NMI in the News

                          How ISOs were forced to adapt early on in coronavirus pandemic

                          Amid the COVID-19 outbreak, ISOs leveraged payment partnerships to address the evolving needs of merchants, such as enabli...

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                          NMI Insights

                          COVID-19 continues to evolve the customer experience

                          It's safe to say that the world will never be the same after COVID-19. Nearly every aspect of our lives has changed and, i...

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                          NMI in the News

                          More distinction between banks and non-banks is on the horizon

                          The recent news regarding German payments giant, Wirecard and the discovery of a large amount of missing money from their ...

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                          Insights

                          Will card-not-present transactions continue to dominate post-coronavirus?

                          Macro consumer behavior trends aren’t static. They evolve and change. Concerns related to the economy, news and media infl...

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                          NMI in the News

                          As retail reopens, voice tech takes center stage

                          The COVID-19 pandemic has created an opportunity for a new touchless world, bolstered by voice technology. NMI’s head of p...

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                          NMI in the News

                          Cooking up a comeback

                          The National Restaurant Association predicts the casualty rate for restaurants will be about 20% as a result of the corona...

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                          NMI Insights

                          COVID-19 opens door for software innovation

                          After months in the dark, restaurant dining rooms are beginning to reopen. Government-mandated shutdowns due to the COVID-...

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                          NMI in the News

                          Starbucks’ coronavirus plan demonstrates the future of fast food

                          In a recent PaymentsSource article, Vijay Sondhi, NMI’s CEO discusses how Starbucks’ new pickup store concepts will set th...

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                          NMI in the News

                          The rise and rise of the unattended kiosk

                          Pete Alcock, NMI’s Head of Product Marketing, recently wrote an article for Kiosk Solutions Magazine covering the behavior...

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                          NMI in the News

                          Business has changed. Use the opportunity to innovate your payments experience

                          In a recent article published in Payments Journal, Nick Starai, NMI’s Chief Strategy Officer, shares the importance of SMB...

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                          NMI in the News

                          The rise of contactless payments in a coronavirus world

                          Nick Starai, NMI’s Chief Strategy Officer, recently wrote a guest post for Transaction Trends covering why consumers are t...

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                          Insights

                          Restaurant software needs new functionality in a coronavirus world

                          There aren’t many markets that have been untouched by the coronavirus pandemic. One of the hardest hit has been the restau...

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                          NMI Insights

                          Fireside Chat: The importance of platform reliability & security in a pandemic

                          As the COVID-19 pandemic continues on, the importance of having a reliable and secure technology partner is crucial to the...

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                          NMI Insights

                          COVID-19 Pushes Merchants Online: Are Your Customers Ready?

                          For years now, brick-and-mortar retailers have battled against online competitors like Amazon. The consensus advice to mer...

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                          NMI in the News

                          Payments companies step up to help amid COVID-19 crisis

                          Nick Starai, NMI’s Chief Strategy Officer, was featured in a recent article in the Green Sheet covering how payment compan...

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                          NMI Insights

                          Is your payment gateway an asset or liability during tough times?

                          The COVID-19 pandemic has probably changed our world forever and has tested us in ways we couldn’t possibly imagine. Nearl...

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                          NMI in the News

                          The benefits of contactless parking payments during the COVID-19 crisis

                          Pete Alcock, NMI’s Head of Product Marketing, was featured in Parking Today discussing how contactless parking payments ar...

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                          NMI Insights

                          Fireside Chat: Maintaining resilience during COVID-19

                          With so much uncertainty surrounding COVID-19, it’s hard to know what’s going to be around the corner. Maintaining resilie...

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                          NMI Insights

                          Contactless Payments Play Significant Role In Curbing Spread of COVID-19

                          With the aggressive spread of COVID-19 across the world, governments have advised citizens to minimize social interactions...

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                          NMI Insights

                          Celebrating What Matters Most — the NMI team!

                          Our mission at NMI is to use our expertise to enable more payments, in more ways and more places. In 2019 we hit new heigh...

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                          NMI in the News

                          The Crisis in Authentication

                          NMI CEO Vijay Sondhi was recently featured in Digital Transactions, along with five other payments professionals, discussi...

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                          NMI in the News

                          IoT Technology Helps Create Seamless Unattended Payments

                          Internet of Things (IoT) technology can transform processes to make them more efficient and convenient. NMI CEO Vijay Sond...

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                          Insights

                          Will Mobile Payments around the World Shape the US Market?

                          Retail m-commerce sales in the US totaled $207.2 billion in 2018, and contactless payments have grown modestly — the numbe...

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                          NMI Solutions

                          How NMI Helped Fattmerchant Enhance Their Product & Enable Omnichannel Growth

                          Fattmerchant is a payment solutions and technology provider for merchants and ISVs and has seen tremendous growth for the ...

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                          NMI Solutions

                          Become a NextGen ISO and Stay Relevant in an Ever-Changing Industry

                          Read the headlines from your favorite tech publication or blog on any given day and you’ll probably get an instant headach...

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                          NMI in the News

                          Adopting the Pay-Fac Model May Be Easier Than You Think

                          Nick Starai, NMI Chief Strategy Officer, was featured in Transaction Trends discussing what the pay-fac model is, the pros...

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                          Insights

                          A Payment Gateway as a Technology Enabler for ISOs, ISVs, & Payment Facilitators

                          Nick Starai, Chief Strategy Officer of NMI, sat down with George on the Payments on Fire podcast to discuss the role of ...

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                          NMI in the News

                          Tap into Omnichannel Opportunities beyond Retail

                          Nick Starai, NMI Chief Strategy Officer, recently discussed the expanding opportunities of omnichannel in the Green Sheet....

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                          NMI in the News

                          How to Help SMBs Compete and Thrive

                          In the latest issue of Digital Transactions, NMI Chief Strategy Officer Nick Starai talks about the benefits of unified ...

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                          Insights

                          NMI to exhibit at NPA 2019

                          NMI will be exhibiting at the 2019 NPA Convention & Expo taking place at the Loews Sapphire Falls Resort in Orlando, FL ...

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                          Insights

                          Is the Payments Industry Ready for NextGen ISOs?

                          Nick Starai, NMI Chief Strategy Officer, discusses the common characteristics of NextGen ISOs in the latest issue of the...

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                          Insights

                          Tokenization: New Life Given to Old Technology

                          Last month NMI exhibited at RSPA RetailNOW in San Antonio. The ISV and POS dealer-focused event is where retail and rest...

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                          NMI Insights

                          Enable E-Commerce Payments With A Single Line of Code

                          Online merchants face an uphill battle every day. They have to master branding, merchandising, shopper personas, personali...

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                          Insights

                          How Payment Solutions Help Ecommerce Companies Move from Clicks to Bricks

                          Although ecommerce technology can provide many types of customer-pleasing experiences, it hasn’t yet come up with an alt...

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                          NMI in the News

                          Coming Soon: Widespread US Contactless Payments Adoption

                          Nick Starai, NMI Chief Strategy Officer, covers how the UK has set the stage for the rise of contactless payments in the...

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                          Insights

                          Shifting to SaaS Payment Solutions

                          For ISVs and ISOs, there are many point of sale (POS) and payments trends having a significant impact on the industry. F...

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                          Insights

                          NMI exhibiting at WSAA 2019

                          NMI will be exhibiting at Western States Acquirers Association (WSAA) September 18-19 at the Omni Rancho Las Palmas Reso...

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                          Insights

                          NMI exhibiting at TCF 2019

                          NMI will be at TCF 2019 taking place in Bristol from the 24-25 September. TCF brings together transport operators, c...

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                          Insights

                          NMI exhibiting at RetailNOW 2019

                          NMI will be exhibiting at RetailNOW 2019 at booth #132 taking place at the Henry B. Gonzalez Convention Center July 28-3...

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                          Events

                          NMI will be at Money20/20 USA 2019

                          NMI will be at Money20/20 USA taking place October 27-30 at The Venetian in Las Vegas. With over 11,500+ attendees, 2,100+...

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                          Insights

                          NMI to exhibit at MWAA 2019

                          NMI will be exhibiting at the annual MidWest Acquirers Association (MWAA) conference 2019 at the Renaissance Schaumburg ...

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                          NMI in the News

                          Omnichannel: Growing beyond retail

                          In a recent interview with PYMNTS, Jennifer Sherman, SVP Product at NMI, talked about the appealing uses of omnichannel ...

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                          Insights

                          Contactless Payments: The Next Milestone in U.S. Payments

                          Global contactless payment adoption has grown at a fast pace in recent years. Our data shows that 42% of all UK transact...

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                          NMI Insights

                          The Software and Payments Divide is Shrinking

                          It wasn’t all that long ago that software and any payments components were completely separate when it came to the final...

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                          NMI in the News

                          How Bristol became the contactless capital of the UK

                          Bristol was recently revealed to be the contactless capital in the UK. Close to 75% of card transactions in Bristol were...

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                          NMI Solutions

                          Contactless Payments: What’s Driving Contactless Payment Adoption?

                          Contactless payment adoption is growing around the world, and the stage is set for widespread adoption in the U.S. in th...

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                          Insights

                          The NYC Transit System Could be Key to US Contactless Payment Adoption

                          New payment technology may have the potential to make consumer experiences easier and more convenient, but if few people...

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                          Insights

                          Closing In On Contactless Payments’ Tipping Point

                          In an interview with PYMNTS, NMI Chief Strategy Officer Nick Starai, said a number of factors may be leading contactless...

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                          Insights

                          NMI to exhibit at IPMI

                          NMI will be exhibiting at the International Parking & Mobility Institute (IPMI) Expo taking place at the Anaheim Convent...

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                          Insights

                          NMI to exhibit at CNP Expo 2019

                          NMI will be exhibiting at the upcoming CNP Expo 2019 at booth #313. The event will take place at the Marriott Marquis in...

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                          Insights

                          CEO INSIGHTS: Revenge of the Small Business

                          In a podcast with Patti Murphy and James Shepherd from the Green Sheet, NMI CEO Vijay Sondhi sat down to discuss how ...

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                          Insights

                          NMI at Money20/20 Europe

                          NMI will be at Money20/20 Europe in Meeting Cube #MC6, taking place at The RAI in Amsterdam from the 3-5 June 2019. Last...

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                          Insights

                          Will Contactless Payment Cards Make Mobile Wallets a Thing of the Past?

                          Since Google introduced Google Wallet in 2011, Apple launched its first mobile wallet in 2014, and Samsung and Android f...

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                          Insights

                          How Developers Can Offer a Seamless Merchant Experience

                          Developers can simplify payments for merchants on their own When it comes to building credit card processing into your ...

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                          Insights

                          Meet NMI at RBTE 2019

                          NMI will be exhibiting at Retail Business Tech Expo (RBTE) taking place at the Olympia in London from the 1-2 May on Stand...

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                          Insights

                          How Contactless Payments Work – and Work Securely

                          U.S. consumers are about to have a new way to pay. Chase, the U.S.’ largest credit card issuer, announced that by the en...

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                          Insights

                          NMI to exhibit at PF World 2019

                          NMI will be exhibiting at booth #8 at the upcoming PF World 2019 event taking place at the Hyatt Regency Hotel in Santa ...

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                          Insights

                          Meet NMI at Parkex 2019

                          We’ll be exhibiting at the annual Parkex Exhibition in Birmingham from 2-4 April on Stand #P216. Parkex is one of Europe...

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                          NMI in the News

                          Omnichannel: The revenge of the brick-and-mortar store

                          In an interview with PYMNTS, NMI CEO Vijay Sondhi, discusses Omnichannel and how reality has yet to catch up to its prom...

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                          Insights

                          Meet us at PIE 2019

                          We’ll be exhibiting at the annual Parking Industry Exhibition (PIE) in Rosemont from the 12-13 March on Booth #814. PIE ...

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                          NMI in the News

                          CEO INSIGHTS: How IoT Payments Make The Old (Transaction) New Again

                           In a podcast with Karen Webster of PYMNTS.com, NMI CEO Vijay Sondhi delved into the ways that IoT is bringing every...

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                          Insights

                          How Payments Can Help Reach Omnichannel Retail Nirvana

                          Years ago, when retailers first envisioned what ideal omnichannel retail would look like, they pictured seamless shoppin...

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                          Insights

                          NMI at Transport Ticketing Global 2019

                          What: Transport Ticketing Global is the annual get together for the entire public transport community involved in transp...

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                          Insights

                          NMI at NEAA 2019

                          What: NEAA provides an educational forum that covers the most current industry issues, trends, topics and access for att...

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                          Insights

                          NMI at TrusTech 2018

                          We’ll be at TrusTech 2018 in Cannes from the 27-29 November on Booth #RIV J054. TrusTech encompasses all the secure tech...

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                          Insights

                          How payment innovators are using tokenization beyond security

                          For years the payments industry has been hard at work developing and enhancing technologies and methodologies to protect s...

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                          Insights

                          Payment innovations create value for retailers across multiple touch points

                          Online commerce will grow at more than six times the rate of in-store sales through 2022, according to research, reaching ...

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                          Events

                          NMI at Money20/20 USA

                          Come check out the new NMI at booth #1837 at Money 20/20 October 21-24 in Las Vegas! We are anticipating another exciting ...

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                          Insights

                          Here’s why you should demand remote key injection (RKI) from your payment gateway

                          Very seldom do we speak with software developers who want to spend their valuable time or their staff’s time on payment in...

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                          Insights

                          Counter Solutions, Creditcall, Diebold Nixdorf and Sodexo partner to create micro-market ePOS solution for GlaxoSmithKline plc

                          When it comes to building a successful software development practice, leading ISVs (independent software vendor) not only...

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                          Insights

                          All P2PE Solutions Are Not Created Equally

                          Security-minded ISVs, ISOs, and merchants know that P2PE is one of the most critical pieces to the puzzle of protecting an...

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                          Insights

                          Payments Insights: Latest US EMV Migration numbers

                          U.S. EMV Numbers Show Improvement, But Highlight Lagging ISVs and Merchants. Consumers today expect their shopping experie...

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                          NMI Insights

                          Taking a Placement Year at NMI

                          Meet Dan! Dan, a student from UWE, undertook a placement year at NMI as a Software Developer. Why did you choose to d...

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                          Insights

                          Will 2018 be the year of contactless payments in the US?

                          In the UK, card payments have overtaken cash payments and now account for more than 50 percent of all retail purchases, of...

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                          Insights

                          CTO Insights: Can PIN-on-COTS Take EMV The Final Mile In The US?

                          Earlier this month, the PCI Security Standards Council released a new security standard that allows for PIN entry on comme...

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                          NMI Insights

                          The Ultimate White Label Payment Gateway Introduction for Merchant Acquirers

                          The Average Payment Gateway What Payment Gateways do Payment gateways play an essential role in the processing of a cred...

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                          Insights

                          4 Reasons To Love Working at the Creditcall WeWork Office

                          With our New York office quickly expanding we wanted to share some experiences of working for Creditcall in the Big Apple....

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                          Insights

                          CTO Insights: PIN-on-Glass is coming

                          Imagine taking a regular mobile phone and turning it into a payment device with a simple app download. That’s the utopian ...

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                          Insights

                          Transit Insights: Studies highlight transportation desire for modern payment methods

                          Over the past couple months, we’ve written about the contactless payment revolution taking place in the mass transit secto...

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                          Insights

                          Transit Insights: Is Transit ready for the contactless payments revolution?

                          Translink explains how it will bring cutting edge fare collection to public transport in Northern Ireland. By Creditcall T...

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                          Insights

                          10 Top Tips to Studying in Bristol

                          Being born and bred in Bristol (though we’re now known worldwide), all of us at Creditcall HQ wanted to welcome new and re...

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                          Insights

                          Mass Transit Is Ready For Credit & Debit Payments. Are ISVs?

                          Today, travelers using the tube and mass transit in the London area have the ability to pay for their fares using their ow...

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                          Insights

                          CEO Insights: SME Retailers Being Neglected When It Comes To Next-Gen Payment

                          In today’s world of retail dominated by the Amazon’s of the world, SMEs need to leverage every resource they can to survi...

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                          Insights

                          CEO Insights: Creditcall Named To “1000 Companies to Inspire Britain” List

                          At Creditcall, we have a lot to celebrate this month. We were recently named to the “1000 Companies to Inspire Britain” l...

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                          CEO Insights: It’s Time To Address The Payments Needs Of European SMEs

                          In past blogs we’ve discussed the many challenges facing software developers when it comes to keeping up with payments se...

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                          Insights

                          CEO Insights: Contactless Payments On The Rise Globally

                          The headline says it all. Reports from a variety of sources indicate that contactless payments have risen greatly over the...

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                          CEO Insights: What’s Your Omni-channel Strategy?

                          As consumers, we’re all aware of the changes that have taken place in the retail world when it comes to our everyday shop...

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                          CEO Insights: The Struggles Of An ISV In A Payments World

                          Software developers with solutions that intersect with the world of payment processing know that business can be fun, e...

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                          CEO Insights: EMV in US still has a long way to go

                          The latest EMVCo numbers were published just before the New Year. While the latest numbers only reflect transactions up t...

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                          Insights

                          CEO Insights: Will 2017 bring us the ultimate payment method?

                          In my previous post, we discussed the confusion created by the various payment-related products, apps, and services that h...

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                          CEO Insights: Payment methods, will we ever settle on a standard?

                          I was recently at a restaurant just outside of London with my wife and when we got to the usual payment experience, we sa...

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                          Insights

                          CEO Insights: New payment methods accelerate EMV

                          Over the past few weeks, we’ve been discussing EMV adoption within the United States. Specifically, what’s driving adopti...

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                          CEO Insights: It’s time to address slow EMV transactions

                          One of the most common complaints we hear about EMV is the lengthy transaction times compared with standard swipes. While ...

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                          NMI Insights

                          CEO Insights: Are chargebacks helping or hurting EMV adoption?

                          Last week we discussed the current state of EMV adoption in the United States. Today, more than a year past the original O...

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                          Insights

                          CEO Insights: Don’t let EMV certifications slow you down

                          Despite being more than a year past the U.S. EMV liability shift, there’s still much work to be done. Depending on which o...

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                          Insights

                          Weekly EMV Industry News Roundup - 11 August 2016

                          U.S. Payments Forum updates minimum requirements for US EMV chip deployment Finextra To help merchants and acquirers dev...

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                          NMI in the News

                          Pay-Fac Sooners and Boomers

                          Payment Facilitators (Pay-Fac) may be the next wave of “timing is everything” for the payments industry and could bring a ...

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                          Insights

                          Weekly EMV Industry News Roundup - 4 August 2016

                          Square’s Pricey Bet Pays Off as Merchants Pick Readers that Combine NFC + EMV PaymentsSource The tough move from free...

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                          Insights

                          Weekly EMV Industry News Roundup - 28 July 2016

                          Will the Olympics ‘payment ring’ jumpstart NFC demand CSO Near Field Communication (NFC) – the “mobile wallet” techno...

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                          Weekly EMV Industry News Roundup - 22 July 2016

                          EMV Group Rebrands to go Beyond Chip Cards PaymentsSource The industry-led EMV Migration Forum is changing its name a...

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                          Insights

                          Weekly EMV Industry News Roundup - 15 July 2016

                          Visa’s mobile payments push goes for Olympic Gold PaymentWeek The Olympics—whether summer or winter variety—are a gre...

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                          Insights

                          Weekly EMV Industry News Roundup - 30 June 2016

                          Move could speed retailers’ shift to secure chip cards Chicago Tribune The switch from magnetic stripe credit and debit ...

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                          NMI in the News

                          Will Pay-Facs Kill the VAR Model?

                          Integrated payments has been the darling of the finserv industry for years now, but it’s possible a category killer is loo...

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