SaaStr

JUNE 11, 2025

The “Regulatory Moat” Strategy: Compliance as a Competitive Advantage Circle was the first to receive a New York State BitLicense, which is famously difficult to obtain, in 2015. Every investment bank and CEO is staring at this number right now saying "it's go time" Get ready for an onslaught of crypto IPOs.

compliance 232

compliance Marketplace as a Service B2B Healthcare 232

SaaStr

MAY 27, 2025

So SVB still is the #1 bank for tech companies in Silicon Valley and they have a ton of data. Secondary markets and alternative exit strategies will become increasingly important. #4. Why It Matters : This is forcing LPs to completely rethink their investment strategies and cash flow planning. They have 24% of all U.S.

Outsourcing Services 165

Outsourcing Services Venture Capital Outsourced Development Data 165

FastSpring

MAY 20, 2025

Supporting country-specific debit networks, mobile wallets, and bank transfer schemes gives buyers seamless and trusted payment options. With over 700 million Internet users and counting according to a Nielsen study, India has leapfrogged traditional banking models in favor of mobile-driven financial services. The appeal?

Payment Methods 139

Payment Methods Payments Merchant Services Payment Solutions 139

SaaStr

JUNE 22, 2025

The strategy paid off: Navan now serves over 11,000 businesses globally, including household names like Zoom, Lyft, Shopify, and Heineken. When COVID-19 decimated business travel in 2020, Navan could have become another casualty. Instead, the company pivoted aggressively into expense management and payments, expanding beyond its travel roots.

B2B 173

B2B Payments SaaS Payments Payment Services 173

USIO

MAY 16, 2025

Tracking lost checks, handling reissues, managing bank detailsits a lot. No bank account? Fewer Administrative Headaches Theres no need to collect or verify bank account information. Marketplaces: Payout to sellers without banking delays. And lets not forget the administrative overhead. No problem. Even better.

Payment Methods 130

Payment Methods Payment Services Banking Scale 130

SaaStr

MAY 19, 2025

Enterprise AI Adoption Is Moving 5-10X Faster Than Cloud The contrast with cloud adoption is striking, according to Levie: Cloud in 2008-2009 : “Try pitching the cloud to a bank. That was a non-starter. That was not a conversation you would have. They had to keep all the data on premise… Get out of my office.”

AI 204

AI Technology ChatGPT Cloud 204

Payrix

FEBRUARY 4, 2025

Association Group of card-issuing banks or organizations that set common transaction terms for merchants, issuers, and acquirers. Card brands Member-based corporations that connect consumers, businesses, and banks through electronic payments; establish and enforce rules amongst members; and promote the brands (e.g.,

Payment Services 147

Payment Services Merchant Services Payment Solutions Payment Methods 147

Tom Tunguz

JUNE 15, 2021

You have an idea, a vast blue ocean in front of you, and a pile of greenbacks stashed in a bank account from your last financing. But frugality a winning strategy in any of those spaces? Do you spend aggressively to create the category or conserve capital, knowing education will take time? Parsimony is prudence.

Strategy 257

Strategy Banking Finance Education 257

SaaStr

JUNE 6, 2022

Plaid builds the infrastructure that empowers consumers to digitally interact with and manage their bank accounts. In the backend, they’ve integrated with over 11,000 banks and financial institutions. When asked about the acquisition, Perret commented, “People asked if we had an acquisition strategy. We definitely don’t.

Banking 284

Banking Scale Acquisition Interviewing 284

USIO

MAY 9, 2025

This blog post is your jargon-free guide to all the advanced embedded finance terminology you’ll encounterfrom OAuth to multi-rail payment strategies. In embedded finance, APIs connect your platform to banks, processors, KYC tools, and more. Multi-Rail Strategy Translation: One size doesnt fit alluse every rail available.

Payments 130

Payments Merchant Services Payment Services Finance 130

Payrix

FEBRUARY 4, 2025

To operate as an integrated software vendor (ISV) or payment facilitator, a software company requires a relationship with an acquiring bank and a payment processor. A cardholder initiates the payment for a purchase or service to the merchant or service provider with their payment information from a credit card, debit card, or bank account.

Payment Services 130

Payment Services Payments Merchant Services Payment Methods 130

SaaStr

JULY 20, 2021

Chime wasn’t the first digital bank, but it has become the largest one in the United States. Secrets to Aligning Marketing and Revenue Strategies with Marqeta’s CMO. The financial services industry – banking, lending, insurance – has long benefited from deep competitive moats that limited competition and stifled innovation.

Payments 274

Payments Payment Services SaaS Payments Banking 274

SaaStr

MARCH 18, 2025

A chief data officer at a top-five global bank recently shared they have 150 generative AI projects in the lab but zero in production. Deployment Strategies: Top-Down vs. Bottom-Up Infrastructure companies typically deploy top-down, while application-layer tools are more likely to follow bottom-up adoption patterns.

Technical Review 173

Technical Review Artificial Intelligence AI Marketplace as a Service 173

Tom Tunguz

MAY 15, 2022

Chewing Gravel : the startup hasn’t attained efficient commercial success yet and its bank account implies zero cash in less than 12 months. An essential ingredient to deciding 2022 strategy is the answer to: will our business be impacted by a US recession? Enterprise startups should be between 18-28 months. in gross profit?

Startup 355

Startup Outsourced Development Scale Banking 355

SaaStr

AUGUST 8, 2021

In a highly regulated industry like banking, Chime can’t be a renegade. While they might break boundaries in the SaaS side of things, their strength is that they offer something that’s as reliable as the banks that people have been using since the beginning. Enter your email below for the latest SaaStr updates. Build trust.

Banking 274

Banking Social Media Company Culture Innovation 274

SaaStr

JUNE 5, 2023

Making $2m, $5m, $10m if you have $0 in the bank is so insanely significant. Probably, your bank account is $0 or negative. Acquisitions are way, way down: So saying no is so risky. Generally speaking, there is no sane reason not to take the first, good exit. You have $0 now. And those extra few millions beyond that?

Banking 353

Banking Travel Acquisition Startup 353

Payrix

MAY 29, 2025

A false decline is when a legitimate transaction is rejected or declined by a bank or payment processor. Understanding the reasons they can happen will help you and your customers understand what measures and management strategies you can put in place to avoid them in the future. What are false declines? What causes a false decline?

Payments 100

Payments Embedded Payments Payment Solutions Merchant Services 100

SaaStr

JANUARY 24, 2022

Companies grew more slowly, there was nothing for a CFO to really do for years, and you could sort of outsource everything and just keep an eye on the bank statement. I have $1,000 in my bank account at the end of January. In the old days, we didn’t have to worry about finance too much. Things have changed a lot.

Finance 332

Finance Outsourcing Services Systems Review Technical Review 332

USIO

JUNE 10, 2025

Treasury Unclaimed Funds Regulations – [link] Journal of Payments Strategy & Systems, 2023 Vol. Cited Sources National Association of Unclaimed Property Administrators (NAUPA) – [link] Aite-Novarica: Real-Time Payments 2024 Market Guide – [link] U.S.

Payment Solutions 130

Payment Solutions Payment Services PayPal Traceability 130

SaaStock

MARCH 8, 2019

Jessie provides invaluable know-how to portfolio companies on cash flow, fundraising, and financing strategies. Her specialties are SME digitalization strategy, CRM and sales growth, and business process optimization. With a Master’s degree in Law, she delved into investment banking and equity capital, working at Credit Suisse, J.P.

VP of Engineering 264

VP of Engineering CTO Coach Venture Capital SaaS 264

SaaStr

JUNE 29, 2021

Getting Fintechs to Market Fast: How to Leverage Your Bank and Tech Partners with Treasury Prime. Piermont Bank & Treasury Prime. Secrets to Aligning Marketing and Revenue Strategies with Marqeta. Mahmoud Abdelkader & Christina Monets. Very Good Security & Very Good Security. Reserve my place. Reserve my place.

Payments 246

Payments Payment Services Scale Banking 246

SaaStr

SEPTEMBER 19, 2021

Q: As an entrepreneur, what are some tips and strategies to avoid burning out? Making travel less literally painful is a high ROI investment, at least after you are at scale and have a few bucks in the bank. It’s a huge risk. A lot of “pretty successful” startups all sell at about the same point in time … about 5 years in.

Travel 307

Travel Banking Startup Scaling 307

Stax

MARCH 27, 2025

TL;DR: Electronic Funds Transfer (EFT) is the umbrella term for all electronic payments made between bank accounts. EFT is the umbrella term for all electronic transactions that transfer funds digitally between bank accounts using only bank account information. In this article, well help you do just that.

Payment Methods 88

Payment Methods Payment Services Merchant Services SaaS Payments 88

Stax

MARCH 13, 2025

Behind every seamless payment card transaction is a complex network of banks, credit card companies, and payment systems working together to transfer money from the customer to the merchant. Although they go to issuing banks, the rates are set by card networks. However, this convenience comes at a cost, mainly for businesses.

Payment Services 88

Payment Services Merchant Services Payment Methods Technical Review 88

Intercom, Inc.

AUGUST 1, 2019

This week, I invited Michael to come on the show and tell us about their growth strategy. Is that part of the strategy as well? Align your business strategy around solving problems. Bank account underwriting may not be the best for everything, but it’s certainly the best for people that don’t make money.

Strategy 36

Strategy Payment Methods Payment Services Startup 36

Payrix

NOVEMBER 7, 2024

Jess’s key takeaway: Compliance with federal regulations requires collecting personal information from merchants, such as Social Security numbers, banking details, and addresses. Ryan Barry, Senior Director of Risk Strategy and Partner Due Diligence “How do you reconcile the need for product innovation with the inherent risks of payments?”

Merchant Services 130

Merchant Services Payment Services Payment Solutions Payments 130

SaaStr

OCTOBER 29, 2022

These folks often come from strategy consulting or banking backgrounds. So I’ve seen a trend among many startups these days which is to sort of have a VP or Director of Business Ops instead of a VP / Director of Finance. They handle the cash too, but also go deep on the business in a way a “finance person” usually simply can’t.

Sales Hiring 284

Sales Hiring Finance Consulting Banking 284

SaaStr

SEPTEMBER 18, 2023

If you haven’t read it yet, head on over to Part 1 of Ask Me Anything with SaaStr founder and CEO Jason Lemkin to learn about sales in SaaS, how to create great SDRs and AEs, developing an impactful content strategy, and potential SaaS trends for the next 12-18 months. If you exaggerate too much, you’ll get caught.

Sales Hiring 292

Sales Hiring SaaS Banking Enterprise 292

SaaStr

APRIL 30, 2022

” Bank, please reimburse this charge for me. And what are the different pricing strategies? Another point on pricing strategies is there’s the classic, it’s been around for tens of years, per user model pricing. and have a bank account in the U.S. You’re gonna have chargebacks. Thank you very much.

SaaS Payments 246

SaaS Payments Metrics Payment Methods Scale 246

USIO

JANUARY 15, 2024

This data can be analyzed to make informed decisions about product improvements and marketing strategies. In addition, there are several alternatives to subscription-based strategies such as: Tiered Pricing: Create tiered pricing plans with different levels of functionality and service.

SaaS Payments 130

SaaS Payments Payment Services Payments Payment Solutions 130

Stax

APRIL 3, 2025

Its the bridge between an eCommerce website, its customers, and the bank. Its the third-party service that serves as the link between the payment gateway, acquiring bank, and issuing bank or card network. It works in tandem with the customers bank or credit card provider to verify and authorize the transaction.

Payment Methods 88

Payment Methods Merchant Services Payment Solutions Payment Services 88

USIO

FEBRUARY 23, 2024

Let’s delve into the uncharted advantages that come with embracing Akimbo Card digital disbursement strategies. Efficiency Redefined Akimbo Card digital disbursement strategies redefine efficiency. Its digital disbursement strategies are designed to be adaptable, catering to the diverse needs of different industries.

Payment Services 130

Payment Services Payment Methods Payment Solutions Payment Facilitation 130

SaaStr

DECEMBER 17, 2019

So Plaid, we build the infrastructure that lets consumers interact with their bank accounts on the web. The core thesis behind it is banking was built for a world that didn’t envision the internet. And so what we build is the infrastructure that lets you programmatically interact with your bank account. Zach : Yet.

Payments 200

Payments SaaS Payments Banking Underperforming Technical Team 200

SaaStr

NOVEMBER 8, 2022

You have reps with an OTE of $120k on an $800k quota … I mean, if they come close to quota attainment, then sales shouldn’t break the bank. More on dominant strategies in SaaS competition here. And if you have $200m in the bank and 10 years of runway, ignore this post. In fact, great sales teams are accretive.

Scale 293

Scale SaaS Banking AWS 293

SaaStr

NOVEMBER 19, 2020

If you have a few nickels in the bank, and you somehow find a great VP a half stage or even full stage early, just hire her. He’d found several good First VP candidates, in particular, a strong first head of marketing and a strong first head of product. He asked which to hire first. The answer was obvious — both!

Part-Time VPE 363

Part-Time VPE Sales Hiring CTO Hire Scale 363

Tom Tunguz

APRIL 2, 2021

With that strategy, they’ve built huge businesses. Those sales cycles are fast and the contract sizes are large, which means cash in the bank. And this GTM strategy means tacking the mid-market first, because not many large enterprises will trust their infrastructure to a fledgling service. And for good reason.

Cloud 279

Cloud Sales Hiring Banking Enterprise 279