Fintech Trends & Insights

Blog

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

Merchant Payouts: Ensuring a Smooth Flow of Funds for Your SaaS Platform Payment Platform Merchant Payouts: Ensuring a Smooth Flow of Funds for Your SaaS Platform By Luis Peña & 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 issues and even churn. But payouts don’t just impact your merchants — they affect your bottom line, too. Payouts happen on two levels: Merchants receive funds from their completed sales — the fa... Read More
NMI Survey: Why SaaS Platforms Can’t Ignore the In-App Payment Shift Payment Trends NMI Survey: Why SaaS Platforms Can’t Ignore the In-App Payment Shift By Peter Galvin In our last consumer survey, we looked at some of the payment trends shaping how people shop and pay in 2025. Now, we’re digging into how people feel about embedded software payments — one of the industry’s fastest-growing areas today. We talked to 1,000 U.S. consumers to learn how often they use in-app payments, where they’d like to see more of them, what kinds of experiences influence their decisions and much more. We found that consumers (especially younger ones) are enthusiastic about mo... Read More
Top 8 Benefits of Offering Tap to Pay to Your Merchants Mobile Payments Top 8 Benefits of Offering Tap to Pay to Your Merchants By Kanan Keeney Contactless payments are table stakes these days. But, dedicated contactless payment terminals are often expensive, bulky, barely portable and difficult to troubleshoot. For small businesses, those headaches have been something they have had to just put up with. But, not anymore! Tap to pay solutions now make it possible for merchants to accept in-person payments using their personal smartphone or tablet, nothing more. The same technology that lets a merchant tap their phone or watch to mak... Read More
Enabling Payment Acceptance: A Must-Know Journey for Software Platforms Payment Platform Enabling Payment Acceptance: A Must-Know Journey for Software Platforms By Luis Peña & 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 keeps them coming back. In this second part of our series on SaaS merchant journeys, we’ll dive into payments acceptance — the process of enabling your clients to take card and digital payments from ... Read More
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