Darryl Cumming

Director of Product Management

Darryl Cumming is a seasoned Director of Product Management with over a decade of experience in the Fintech and Payments industries. With a focus on merchant relationship management and risk underwriting automation, Darryl has developed a reputation for delivering innovative solutions that streamline processes and improve risk assessment accuracy. Darryl’s expertise in the payments industry, including data analytics, and process improvement, has made him a sought-after advisor for organizations looking to stay ahead of the curve in risk underwriting automation and fraud detection.

Articles by Darryl Cumming:

How SaaS Platforms Can Streamline Merchant Account Management By Darryl Cumming Once your merchants are onboarded, accepting payments, and receiving payouts, there’s one more essential piece of the puzzle: ongoing account management. Businesses are constantly evolving — merchants may need to update account details, adjust their services, track transactions, request support,... Read More

Merchant Payouts: Ensuring a Smooth Flow of Funds for Your SaaS Platform By Darryl Cumming You’ve onboarded your merchants and set them up to accept payments — but what happens next? Getting paid. For software providers offering embedded payments, payouts are a critical part of the merchant experience. If funds don’t flow smoothly and predictably, it can lead to frustration, support i... Read More

Enabling Payment Acceptance: A Must-Know Journey for Software Platforms By Darryl Cumming Once your merchants are onboarded, the next big question is: How do they actually start accepting payments? Whether they’re selling online, in-store, or through mobile apps, a seamless payment experience is crucial — not just for moving money but for creating a frictionless customer journey that ... Read More

Merchant Onboarding for SaaS Payments: Simplify, Streamline and Scale By Darryl Cumming If you’re a modern software provider, offering embedded payment processing is a must — especially if your clients include small- and medium-sized businesses. By offering built-in payment processing, you are able to monetize every transaction that flows through your software and unlock new revenue... Read More

Build vs. Buy: The Complexities of Building Underwriting Software By Darryl Cumming In our previous article on build vs. buy, we explored the “four C’s” of customer relationship management software — cost, completeness, compliance and cohesion. In this article, we’ll look at a different, but equally important type of software for companies taking on merchant risk: automated unde... Read More

How To Turn Residuals Management Into a Competitive Advantage By Darryl Cumming Residuals are an essential part of any independent sales organization (ISO). Swift, accurate residuals calculations and payouts help ISOs attract and retain the best sales talent and partnerships. Unfortunately, they can also be a huge headache. Combing through dense reports from your processing ... Read More

NMI Decision Report makes compliance reporting quick and error-free.

Make Compliance Reporting Easier With Decision Report By Darryl Cumming Compliance reporting is a part of merchant underwriting that involves gathering critical merchant information to submit to your sponsor banks, risk committee or auditors. Although it’s a necessary step, it can be a slow, frustrating task, costing payment providers up to 30 minutes or more for eac... Read More