The way we pay is undergoing a revolution — and it’s creating a new revenue opportunity for the independent software vendors (ISVs) that businesses rely on to provide a superior customer experience.

Digital payments are quickly becoming consumers’ go-to payment method. Gartner predicts that 80% of ordering and replenishment in commerce will be contactless by 2024 for most organizations. It’s also projected that more than a third of Americans will use mobile payments by 2023. The COVID-19 pandemic has also boosted consumer preference for contactless payments — 85% of consumers now expect digital payment options for in-person purchases and 49% suggest offering contactless payments is one of the most crucial safety measures businesses can offer.

This widespread increase in digital payments in both an online and in-person setting by consumers has serious implications for businesses across all industries. In fact, 57% of consumers say the availability of digital payment options at a business would impact their decision about where to shop.

As a result, ISVs need to seize the opportunity presented by this consumer shift and embrace full commerce enablement. Those that fail to adapt are not only at risk of being left behind by competitors, but they’re also losing out on a recurring revenue opportunity.

The challenges of integration strategy

While there’s great potential for ISVs to add payments and grow their business as a result, it can be a challenging process depending on the integration strategy.

ISVs could integrate payments into their software through an easily pluggable, one-size-fits-all payments solution. However, ISVs typically can’t adjust these one-size-fits-all solutions as their business evolves and more often than not, end up outgrowing them. Using a one-size-fits-all payment solution also blocks ISVs from fully monetizing payments. Most of these types of payment solutions require all transaction fees to be paid back to their company or take a large cut, leaving ISVs empty-handed on the purchases generated through their platform.

In addition, ISVs aren’t in a viable position to build their own payments solution. Because while ISVs are experts on the business verticals they serve, they’re not typically experts on payments. This knowledge gap makes it difficult for ISVs to understand the logistical complexities that exist in the payments space, stunting their ability to provide a compliant solution for clients in a timely manner, not to mention continuing to maintain it.

A call for backup

So, how can ISVs ensure they provide their clients a superior customer experience for today’s consumers? Instead of relying on rigid one-size-fits-all solutions or building your own from scratch, you can work with an experienced payments partner. The right partner can help craft a solution that seamlessly fits your software, meets the needs of your clients and helps drive revenue.

There are a few attributes that you should consider when choosing a payments partner:

  • Flexible digital payment options
    With consumers looking for a variety of payment options, you’ll want to make sure your partner can meet their needs. Prioritize a partner that can provide a unified customer experience by accepting payments across all points of commerce, whether it’s online, in store, on mobile or unattended (e.g., a vending machine or parking payment kiosk).
    Make sure a potential partner can deliver a payment solution for your software that can meet the customer where they want to pay. Ensure your payments partner can support the following points of consumer engagement for a frictionless customer experience:
    • In-app
    • Website
    • Unattended
    • In-store point of sale
    • Mobile point of sale (e.g., customers pay for a purchase on a smartphone or tablet provided by the business)
    • Tap to phone (e.g., contactless card and mobile wallet payments)
    • QR code capabilities
    • Payment support across different electronic devices
  • Agnostic, feature-rich platform
    Having the freedom to choose from any device on any acquirer connection is key to better serving your customers. It’s equally as important as having a modular platform that gives the flexibility and features needed to support your business growth. Don’t overlook the options and scalability factor of your potential partner — your business’s long-term growth will depend on it.
  • Future-proofing ability
    Payments technology is constantly evolving and it’s on your partner to ensure your payment options are configurable to what customers are seeking. An ideal partner should also be able to mix and match a la carte payment solutions for flexibility based on your banking partner’s requirements and your customer points of engagement. Ensure your payments partner can also “future-proof” your payment solution through the integration of new technologies — and ask a potential partner if they invest in new features and functionality for their offering.

ISVs must be able to meet consumers where they are when it comes to payments — on their phones and online. By doing a careful assessment to find the right payments partner, you can help your clients deliver best-in-class customer experiences now and in the future, as the payments landscape continually evolves. And in the end, you can also open up a new revenue opportunity by turning your software into a profit center for every transaction it powers.

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    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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    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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    Insights

    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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    Insights

    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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    Insights

    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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    Insights

    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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    Insights

    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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    Insights

    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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    Insights

    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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