What’s Really Working in Embedded Finance: Key Learnings from Adyen’s $100B+ Experience
SaaStr
JANUARY 20, 2025
The platforms that move first are seeing 70%+ revenue uplifts and dramatically improved retention.
Master merchant: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
The master merchant establishes a relationship with a payment processor or acquiring bank and is responsible for ensuring compliance with payment regulations, handling transaction processing, and managing risks associated with payments on behalf of the sub-merchants. fraud prevention, and risk management.
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Payment processor: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
Many technologies and services are involved from POS terminals to card networks to payment gateways so its essential that the payment processor can work closely with them to help authorize and settle every transaction as securely, efficiently, and quickly as possible and stay in compliance with regulations and industry standards.
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Credit Card Payment Integration: How to Integrate Payments into Your Website and Point of Sale
Stax
MARCH 4, 2025
TL;DR Online payments rely on API or hosted gateways with encryption and fraud detection, while in-store transactions require POS hardware with EMV chip technology and NFC capabilities. On the other hand, in-person payment integration requires POS hardware, such as card readers and NFC terminals, that connect with the payment processor.
Glossary: 117 software-led payments terms to know
Payrix
FEBRUARY 4, 2025
Check verification Process that screens checks and check-writers against a negative database at the point-of-sale (POS) when the customer presents a check as payment. Duplicate checking The policy and procedures that prevent identical sales records from being processed. eCheck, PayPal, etc.)
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Contactless payments: Definition, types, and examples
Payrix
JUNE 23, 2025
A contactless payment is a transaction that occurs without the physical contact of a credit card to a payment terminal, device, or other point-of-sale system. Read now ebook PCI Compliance: Unlock your platform's security potential Protecting cardholder data isn’t just good business - it’s essential.
Integrated payments: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
The setup connects payment processing with a point-of-sale (POS) system software that can sync with other business-critical systems and streamline processes. Security, risk, and compliance: Security is crucial dont leave it to chance 7. in-app payment) Digital wallets (e.g.
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POS Systems For Retail Stores: How They Work And How To Select The Best System For Your Business
Stax
APRIL 17, 2025
There are a few things a business can do withoutand a retail POS system isnt one of them. Traditionally, POS was just a collection of hardware used to ring up sales, process simple transactions, and print receipts. Today, POS systems have evolved. Talk to sales What is a POS System?
The Top 8 Embedded Payment Processors of 2025
USIO
JUNE 24, 2025
Built for Compliance : PCI Level 1, SOC II, Nacha certified — backed by in-house regulatory teams. Lightspeed Lightspeed builds POS systems and embedded payments for the hospitality and retail industries. Lightspeed/Global/NMI : Legacy or POS-focused players not built for embedded SaaS monetization.
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What is a Payment Processing System and How Does It Work?
Stax
MARCH 18, 2025
To choose the right payment processing solution for your business, you need to evaluate your business needs, evaluate security and compliance standards, and evaluate different payment processors based on pricing, features, customer support, and scalability. Talk to sales What is a Payment Processing System?
Payment Gateway vs Payment Processor: What You Need to Know
Stax
JUNE 8, 2025
If the transaction is deemed legitimate and the customer has sufficient funds, the payment gateway will finalize the sale and relay the approval. In other words, a payment gateway is essentially an online POS terminal for your business. Shopify Payments, PayPal, Stripe) Often provided by banks or payment service providers (e.g.,
How to Select the Best POS System for Small Business
Stax
JULY 25, 2024
Years ago, point-of-sale (POS) systems were reserved for large enterprises with big budgets. Today, a small business is barely complete without a POS system. If you feel left out, the good news is that there’s a POS system out there ideal for your business. Finding one for your business can be overwhelming.
The 7 Best Mobile POS Systems for Small Businesses in 2024
Stax
JANUARY 3, 2024
Whether businesses are on the road or staff are simply moving about in-store, mobile point of sale systems (mPOS systems) are becoming an increasingly popular POS option for small businesses. In fact, mPOS systems are gradually gaining market share from the fixed cash-register-style POS market.
Credit Card Merchant Services: What to Look for (and What Most Businesses Miss)
Stax
MAY 13, 2025
These services enable you to process credit card payments online, in person, and on the go, and include everything from secure payment gateways to merchant accounts and point of sale (POS) systems. POS system – A combination of hardware and software that lets you accept in person payments and process sales on-site.
What is Vertical SaaS?
Stax
JUNE 18, 2025
Functionality Vertical solutions are built with industry-specific workflows and compliance needs in mind. Our all-in-one platform handles safety, security, risk, and compliance so you can focus on what matters most—growing your business. They come packed with features that directly support day-to-day operations in that niche.
The Ultimate Guide to Accepting Credit Card Payments
Stax
MAY 6, 2025
The process begins from the moment the customer makes a card payment to the point when the transaction is authorized and settled. For example, brick-and-mortar businesses such as coffee shops may choose to use a point-of-sale system (POS system) or hardwired credit card reader to accept card payments at the counter.
The Benefits of Digital Disbursements
USIO
MAY 13, 2024
Receiving the highest level of security and compliance with Nacha standards. Contactless payments is a newer payment method where a device will communicate wirelessly with a point of scale (POS) instead of having a more physical interaction. With time passing on, contactless payments are becoming more and more popular.
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How ISV Partnerships and Integrations Can Drive Business Growth
Stax
FEBRUARY 19, 2025
For example, in fintech, ISVs provide specialized payment processing solutions that integrate with point-of-sale (POS) systems, enhancing transaction security and efficiency. Expanding into new markets by leveraging ISV solutions that cater to global compliance requirements and multilingual support.
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Everything You Need to Know About Credit Card Processing
Stax
NOVEMBER 14, 2024
Fees include (but aren’t limited to) transaction fees, interchange rates, PCI compliance, and more. Step 2: The credit card is swiped, dipped, or tapped at a POS system or a credit card reader, where the card gets recognized for charging. Point-of-Sale Point-of-sale systems are huge for restaurant and retail locations.
Want the Cheapest Credit Card Processing? Surcharging May Be the Answer
Stax
JUNE 24, 2025
Look at the markup your provider adds on top of interchange fees, and check for hidden costs like PCI compliance fees, statement fees, and minimum processing requirements. Pro tip: if you’re using a solution like CardX , compliance with your local surcharging laws is a breeze. Take the time to review your monthly statements.
Integrated Payments vs. Payfac-as-a-Service: What Developers Need to Know
USIO
FEBRUARY 13, 2024
This approach enables businesses to streamline their operations by consolidating payment functionality directly into their point-of-sale (POS) systems, e-commerce platforms, or other software applications. This relieves businesses from the burdensome task of navigating complex compliance requirements.
Everything You Need to Know About PCI Compliance for Credit Card Processing
Stax
SEPTEMBER 17, 2024
TL;DR PCI compliance is essential because it helps prevent data breaches, ultimately cultivating customer trust. What is PCI Compliance? Why Is PCI Compliance So Important? PCI compliance is essential because it helps prevent data breaches, ultimately cultivating customer trust. That’s where Stax comes in.
Credit Card Surcharge Guidance: A State-by-State Overview of Surcharging Laws
Stax
JULY 30, 2024
Non-compliance can result in a $1000 fine. Brick-and-mortar stores have to install signage at every point of sale (POS) and entrances that explain surcharge fees to customers. California – A bill recently signed by Governor Gavin Newsom has once again prohibited surcharging in this state.
Payment processor: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
Many technologies and services are involved from POS terminals to card networks to payment gateways so its essential that the payment processor can work closely with them to help authorize and settle every transaction as securely, efficiently, and quickly as possible and stay in compliance with regulations and industry standards.
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What is Integrated Payments and Should SaaS Companies Outsource Integrated Payments Support?
Stax
FEBRUARY 19, 2025
An outsourced integrated payments support team could also assist business software users with their unique issues or questions about security and compliance. Outsourcing payment support can save costs, provide 24/7 assistance, and ensure compliance expertise.
5 Best Paddle Alternatives in 2024
FastSpring
APRIL 23, 2024
FastSpring includes global payment processing and recurring revenue management, of course, but the platform also takes care of the end-to-end checkout process, including optimization of your checkout flow, collecting and remitting sales tax and VAT, localization, fraud prevention, global compliance, and more.
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How to Choose the Best Credit Card Processing Company for Your Business
Stax
JUNE 24, 2025
Consider features like: Integrated payments with your POS, eCommerce, and CRM tools Virtual terminal access for remote sales Mobile apps for on-the-go transaction tracking Instant payouts or next-day funding Be sure the processor supports the payment types your customers prefer and makes it easy to seamlessly integrate with your systems.
How to Choose Between EFT vs ACH: A Comprehensive Guide
Stax
MARCH 27, 2025
Clients only need to swipe a card at your point-of-sale (POS) terminal or enter their bank account number into your website (Initiation). Security and compliance ACH provides extra protection against fraud for high-value transactions because they pass through the ACH automated clearing house and NACHA regulations.
Vantiv Worldpay Merchant Services by FIS
Stax
DECEMBER 6, 2024
The companys solutions span traditional and wireless POS terminal services, mobile payments , digital wallets, internet payment gateways , virtual terminals, and eCommerce payment solutions. By prioritizing security and compliance, Worldpay ensures that every transaction is protected, giving merchants and their customers peace of mind.
Integrated payments: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
The setup connects payment processing with a point-of-sale (POS) system software that can sync with other business-critical systems and streamline processes. Security, risk, and compliance: Security is crucial dont leave it to chance 7. Listen now Podcast What is PCI attestation of compliance (AoC)?
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Master merchant: Definition, types, and examples
Payrix
FEBRUARY 4, 2025
The master merchant establishes a relationship with a payment processor or acquiring bank and is responsible for ensuring compliance with payment regulations, handling transaction processing, and managing risks associated with payments on behalf of the sub-merchants. fraud prevention, and risk management.
Embedded Payments explained: Everything software companies need to know
Payrix
MARCH 20, 2024
Referral partnerships Often referred to as Integrated Payments , this model connects the payment processing with point-of-sale (POS) system software that can sync with other business-critical systems. It’s the fastest and easiest model for monetization with the least amount of risk and responsibility.
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All You Need to Know About Internet Credit Card Payment Processing
Stax
MARCH 5, 2025
To choose the right solution, you need to look at various factors when evaluating potential providers, including supported payment types, transaction fees and pricing structures, payout speed, and PCI DSS compliance. Think of the gateway as the online equivalent of a card reader or point of sale (POS) system in a brick-and-mortar store.
Credit Card Processing for Small Business: Everything You Need to Know
Stax
NOVEMBER 21, 2024
The customer can make the credit payment physically by swipe, dip, or tap, depending on your point-of-sale (POS) system , which will capture the credit card details. Authorization The credit card details captured by your POS or online payment gateway will be sent to your payment processor.
Your 2024 Guide to Payment Integration
USIO
JUNE 10, 2024
This enables you to accept various forms of payment, such as credit cards, digital wallets, and bank transfers, directly through your website, mobile app, or point-of-sale (POS) system. Compliance with standards like PCI-DSS (Payment Card Industry Data Security Standard) is also crucial for safeguarding transactions.
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The Best Credit Card Processing Companies (In-Depth Review)
Neil Patel
SEPTEMBER 4, 2020
So, look for elements such as PCI compliance and encryption. Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems: Bonus: you can get the software and Square Reader for free. User Experience. 1 – Square — The Best for Ease of Use.
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The Ultimate Guide to Ecommerce Payment Solutions
Stax
APRIL 3, 2025
Theyre easy to integrate and set up, with the host taking care of data security measures, including PCI compliance and fraud protection. On top of PCI compliance, you might have to pay extra for SSL (Secure Sockets Layer) certification. On the other hand, brick-and-mortar retail stores may require physical POS solutions.
What is a Payment Management System?
Stax
APRIL 11, 2024
Look for a PMS that can serve as an all-in-one platform for payment processing, integrates with other technologies, offers appropriate POS equipment, and prioritizes security compliance. Streamline checkout : Move beyond clunky POS systems and give your customers a better experience. Ready to get started? Get in touch!
What is a Payment Gateway and How Does It Work?
Stax
SEPTEMBER 17, 2024
Benefits of using a payment gateway include a simplified purchasing experience for customers, increased operational efficiency, and PCI compliance. It’s also the software in your POS system or card readers that processes the customer’s payment data in a brick-and-mortar setting.
What is a customer data platform?
Intercom, Inc.
JULY 16, 2022
Whenever a company collects data on a customer – whether it’s in a point of sale (POS) or customer relationship management (CRM) system, a website or social media interaction, an email or customer service communication, or any other channel – all that information can be aggregated and stored in a customer data platform (CDP). .
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5 Secrets to Moving Upmarket – How the Right Sales Tax Technology Can Support SaaS Growth
SaaStr
FEBRUARY 25, 2020
Just like filing your income tax returns or hanging that state-mandated safety poster up in your break room, sales tax is a back-office pain point, not a profit center. . That makes sales tax compliance easy to ignore… until it becomes a problem. . Here’s what SaaS businesses need to know about simplifying sales tax.
Demystifying Credit Card Interchange Fees: What You Need to Know [2024 Rates and Updates]
Stax
DECEMBER 20, 2023
While you have control over whether a cardholder’s card is swiped or keyed in at the point of sale, you can’t control what kind of card they use. Regulated POS Debit, purchases and purchases with cash back Debit Rate (USD): 0.05% + $0.21 PIN Regulated POS Debit Rate (USD): 0.05% + $0.21 World (USD): 1.90% +$0.02
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Credit Card Surcharges: What Are They, and How Do They Work?
Stax
SEPTEMBER 26, 2024
Non-compliance with these regulations can lead to enforcement actions from federal regulatory agencies. You can communicate this through visible point-of-sale signage at checkout, verbal heads-up from staff, or on-screen alerts for eCommerce. The surcharge amount must appear as a separate line item on the POS receipt.
Everything You Need To Know about Merchant Processing and How To Choose the Right Solution for Your Needs
Stax
APRIL 30, 2024
In addition, they also ensure the privacy of business data and compliance with laws and regulations. Depending on the business type, merchant processing solutions are of two types: Point-of-sale (POS) systems POS systems are a popular payment collection system, with more than 93,300 companies using them in the US alone.
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