Agile Payments Blog

3 min read

4 Key Considerations for Credit Card Payment Integrations for SaaS With Recurring Payments

By Gene Krause on Jul 1, 2020 2:19:54 PM

Any software application having a requirement to accept payments will most likely need to integrate a credit card payment integration solution. Even applications with a subscription model will likely do so, even though ACH processing lends itself very nicely to models with a recurring payment component. The fact of the matter is that credit cards are the go-to payment modal in the card not present space. If you are part of a team on a SaaS payments project, here are some key areas that you should explore.

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3 min read

3 Considerations for Your SaaS' Payment Gateway Integration

By Gene Krause on Jul 1, 2020 11:45:07 AM

Having been supplying payment gateway integration solutions for over 20 years now, we certainly hear some common themes when discussing potential integration solutions with prospective clients. As one prospect put it, "I think it's now become part of the developers DNA that Stripe is the defacto integration solution." Who can argue with elegant API's and fairly ease of boarding, right?

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5 min read

NACHA 2021 ACH Rule Change Mandates Checking Account Validation For Web Based Payments

By Wayne Akey on Jun 29, 2020 8:41:36 AM

What does the new NACHA ruling around WEB ACH transactions really mean and why has it been implemented?

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4 min read

How Fintech Can Help Small Businesses Manage Money

By Agile Payments News on Jun 3, 2020 1:28:45 PM

If you work in the professional services industry then you likely have heard the buzzword, Fintech over the years. Fintech, or businesses that combine financial services with technology, have become somewhat of a phenomenon in recent years. These companies, often from Silicon Valley, are sleek, modern businesses that approach the finance industry with sophisticated technology to optimize business financing processes such as payments, banking, and more.

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2 min read

Top 10 Things to Look For In An ACH API

By Wayne Akey on Jun 3, 2020 1:15:37 PM

An ACH API integration enables a business or SaaS platform to automate ACH
payment processing and reconciliation. Any business that accepts recurring payments should leverage the ACH network for 2 compelling reasons:

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3 min read

Top 3 Things to Look For in an IVR Payments Partner

By Gene Krause on Jun 1, 2020 1:36:44 PM

Ease of IVR menu flow configuration and editing.

Legacy IVR systems can require developer assets to be used from the IVR payments partner when initially configuring a menu and IVR workflow and subsequent edits should the menu flow require a change. In many cases these can be extremely expensive to the using organization. We have heard instances where a using organization was quoted thousands of dollars to change from using a text to speech engine to using their own recorded voice talent. It should have be be as such.

Topics: IVR Payments
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3 min read

7 Effective Ways to Make Your Payment Process Easier for Online Customers

By Michael Dehoyos on Jun 1, 2020 7:20:08 AM

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4 min read

User Experience Tips to Improve the Payment Process for Your Clients

By Leona Henryson on May 26, 2020 12:44:13 PM

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3 min read

Avoid These 5 Common Saas Billing Mistakes

By Molly Crockett on May 12, 2020 9:36:00 AM

 

SaaS businesses may run into billing errors every once in a while; however, it’s an unnecessary racket if the same mistakes are repeated, and they don’t have a functioning model that would save them from another billing error. To make matters worse, billing errors can cause your customers to lose trust in you as their billing authority, and might flock to your competitor(s).

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3 min read

How to start your career as a software engineer in a SAAS company

By Artur Meyster on May 5, 2020 12:13:51 PM

How to Start Your Career as a Software Engineer in a SAAS Company

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2 min read

Why ALL Health Care Organizations Need SMS Payments

By Coleman Akey on Apr 14, 2020 11:51:00 AM

Nobody looks forward to a hospital visit, but collecting payments via SMS can make a patient’s hospital experience better. Paying by text means avoiding the crowded billing office, and  patients leaving the hospital, doctor’s office, etc. as soon as possible (instead of waiting to make a payment). 

Topics: sms payments
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2 min read

ACH Tokenization

By Gene Krause on Apr 10, 2020 1:12:43 PM

PCI compliance doesn't apply to ACH Payment Processing, but to utilize a processing platform that is PCI DSS Level 1 certified certainly doesn't hurt security measures around your ACH origination method. NACHA doesn't have an established security certification process like the credit card world does, but they do require that processes, controls and procedures are employed to protect sensitive data like bank account information. Tokenization accomplishes that.

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2 min read

SMS Payments for Charity: A Necessity in 2020

By Coleman Akey on Apr 8, 2020 12:36:59 PM

SMS stands for Short Messaging Service, and centers around cell phone texting. SMS Payment Solutions allow businesses to text customers with payment reminders/confirmation and accept payment via the cell phone.

Topics: sms payments
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1 min read

Why EVERY Charity Needs to Utilize IVR Payments

By Coleman Akey on Apr 8, 2020 11:51:09 AM

Interactive Voice Recognition (IVR) is computer technology that offers automated secure payment by phone by replacing human interaction within call centers. A phone system offers voice prompts that route calls to an IVR system instead of utilizing live customer service operators. An IVR system can handle huge loads of calls that would otherwise require substantial man hours.

Topics: ivr
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5 min read

IVR Payments and Security

By Gene Krause on Apr 7, 2020 1:09:41 PM

Agile Payments has been supplying various types of payments related tools for 20+ years, and one of those tools is Interactive Voice Response which allows companies to collect payments over the phone using automated IVR Payment technology.

Topics: IVR Payments
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2 min read

Restaurants: Touchless Payments for Carryout

By Gene Krause on Apr 3, 2020 2:58:37 PM

While we are flat in the midst of the Covid-19 pandemic, our payments related inquiries have changed a bit. More companies are looking for ways to accept payments and donations and either eliminating or reducing the normal methods in which they typically accept payments.

Topics: sms payments ivr
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2 min read

Understanding the Benefits of SMS Payments For Transportation

By Coleman Akey on Apr 2, 2020 11:02:00 AM

SMS payments, or “Pay by Text payments”,  allow customers to pay for services or goods via a mobile phone text message. The customer typically receives a text prompting them to initiate payment via a website interface or additional text messaging. Almost any business that takes payments for goods or services can realize operational costs savings and an uptick in collected revenues by choosing to accept payments by text message.

Topics: sms payments
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2 min read

SMS Payment Solutions: The 2020 Guide

By Coleman Akey on Mar 30, 2020 8:00:00 PM

 

 

 

The 2020 payments landscape demands sophisticated check acceptance risk mitigation tools. Businesses now have a new tool for collecting customer payments. SMS Payment Solutions allow businesses to:

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1 min read

Don't Miss Out on IVR For Property Management!

By Coleman Akey on Mar 27, 2020 5:11:26 PM

When rent payments come due, you don’t want your property management staff overwhelmed! If your property management complex is closed on the weekends, clerks are likely to be overwhelmed as soon as they open on the next available business day. Likewise, today’s customers expect to be able to make payments whenever, wherever.

Topics: ivr
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1 min read

An ACH API Case Study

By Wayne Akey on Mar 26, 2020 10:26:50 AM

ACH API Case Study:

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2 min read

Why All Utility Companies NEED SMS Payments

By Coleman Akey on Mar 25, 2020 3:56:23 PM

Today’s consumer expects service easily and instantly, with practically 80% of consumers expecting national brand service leves from their local service provider counterparts. Pay by Text solutions, or Short messaging service (SMS) solutions, are a great way for your Utility Company to offer a simple, effective customer service option.

Topics: sms payments
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1 min read

Understanding IVR For Utility Companies

By Coleman Akey on Mar 25, 2020 11:54:02 AM

Despite the convenience of online payments, 62% of utility customers claim to prefer making a payment without logging into a system. Likewise, more than ¾ of general consumers have claimed to make at least one payment per month via the phone. 

Topics: ivr
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3 min read

Call Center Payment Processing

By Gene Krause on Mar 23, 2020 4:01:35 PM

Call center payment processing varies from organization to organization in terms of how it is managed, but the most used methods are from one of the following methods:

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1 min read

SMS Payments For Storage Facilities

By Coleman Akey on Mar 20, 2020 2:08:34 PM

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1 min read

IVR Payments For Storage Facilities

By Coleman Akey on Mar 20, 2020 1:09:26 PM

78% of consumers have reported making at least one payment per month via phone payments, with 60% preferring our phones to make payments. This means storage facilities are in a prime position to utilize an IVR Payments system in 2020.

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1 min read

SMS Payments For Waste Management

By Coleman Akey on Mar 17, 2020 1:16:00 PM

The waste management sphere is seeing a major increase in the volume of electronic payments. More than 3/4 of consumers expect local service providers to offer the same degree of service as national brands, which simply makes having an electronic payments system that handles credit cards/ACH payments necessary in 2020. Short messaging service (SMS) solutions are a great way for your waste management company to offer a simple, effective customer service option.

Topics: sms payments
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4 min read

How Software Platforms Can Leverage Payment Facilitation As A Service To Gain Clients And Create New Revenue Streams

By Wayne Akey on Mar 16, 2020 8:51:18 AM

 

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1 min read

IVR Payments For Waste Management

By Coleman Akey on Mar 15, 2020 3:38:11 PM

The public utilities and municipalities realm is experiencing a major increase in electronic payments. With 79% of consumers expecting local service providers to offer same level service as national brands, an electronic payments system that handles credit cards/ACH payments is a necessity in 2020. An Interactive Voice Response (IVR) system is a simple, effective way for your waste management business to provide more thorough customer service.

Topics: IVR Payments
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2 min read

What Does a Successful Payment Gateway Integration Look Like?

By Gene Krause on Feb 5, 2020 1:06:52 PM

Ideally, organizations looking for a Payment Gateway Integration for SaaS start considering their options far in advance of the new application going live. Or in the case of an existing application, far in advance of the need to flip the switch on for the payment processing functionality that the new payment gateway integration will be supporting. 

If you'd like more detail you can view our whitepaper on Payment Gateway Intgeration 

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3 min read

Looking at the Correct Priorities in a Payment Gateway Integration?

By Gene Krause on Jan 27, 2020 10:02:35 PM

We're continually surprised at the differing perspectives and priorities that various organizations and companies have for integrating to a Payment Gateway Integration. However, there is one constant; each and every integrating organization or their client using base that sells a service or product. To put it simply, they are looking to make a profit from their sales via electronic transactions. Aren't we all (profit)?

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3 min read

How does a Software Platform make money from Payment Facilitation As A Service?

By Wayne Akey on Jan 27, 2020 8:27:00 AM

For SaaS applications with payment needs, eg Rentlee, a landlord platform offering rent collection, Payment Facilitation as a Service allows the platform to act as a master merchant account. This allows landlords to be set up as sub-accounts and begin accepting rent payments instantly. In the past Rentlee would have had to spend hundreds of thousands of dollars and 6+ months to register with the card associations to act as a true Payment Facilitator.

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1 min read

Top 5 Things To Look For In Your Payment Facilitation as a Service Provider Search

By Agile Payments on Jan 21, 2020 8:23:04 AM

Top 5 Things to look for in your Payment Facilitation as a Service Provider Search

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2 min read

What does a successful Credit Card Payment Integration look like?

By Wayne Akey on Jan 21, 2020 8:15:00 AM

What does a successful Credit Card Payment Integration look like?

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1 min read

Top 9 Things to look for from a Recurring Credit Card Integration API

By Wayne Akey on Jan 17, 2020 8:26:58 AM

Here are Top 9 Things to Look for from a Recurring Credit Card Payment Integration API

1-API availability: Does the partner offer a modern, elegant RESTful API

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1 min read

How Payment Facilitation as as Service can power revenue growth for SaaS platforms

By Agile Payments on Jan 15, 2020 9:30:00 AM

How Payment Facilitation as as Service can power revenue growth for SaaS platforms

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2 min read

How Strategic Credit Card Payment Integration Can Help Grow Platform Revenue and User Base

By Wayne Akey on Jan 14, 2020 1:53:40 PM

By integrating a Credit Card Payment Processing solution your application users gain the ability to accept credit and debit card payments from their end customer.

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2 min read

Integrating the On-Boarding of ACH Processing in an SaaS Application

By Gene Krause on Jan 14, 2020 1:08:57 PM

Software applications that require payments functionality often can benefit from adding the ACH payment rail. That's especially true for applications that have a subscription or recurring payments component. Thus the application's management or stakeholders will look to various ACH Providers for discussing requirements and finding a solution that meets their needs.

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3 min read

Pay By Text Solutions: Why Your Business Needs To Get On Board

By Wayne Akey on Jan 14, 2020 1:06:55 PM

Pay by Text payment solutions offer businesses a simple, cost effective method to securely collect customer payments.

Topics: IVR Payments
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2 min read

Media marketing - How to Leverage IVR for Order and Payment Acceptance

By Gene Krause on Jan 14, 2020 1:06:22 PM

Marketing products or services via mass media to consumers can result in an enormous number of consumer responses, sometimes flooding a call center or even some IVR systems. If the media used is television or radio, the consumer responses arrive at a narrow, but predictable time, further challenging an IVR system's capabilities. Having an IVR system that can handle the call load is just one critical issue that media marketers face in fulfilling their customer orders and accepting consumer payments.

Topics: IVR Payments
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3 min read

Late Payments Acceptance via IVR

By Gene Krause on Jan 14, 2020 1:05:24 PM

Interactive Voice Response (IVR) has been around for quite a while now, and it's use for payments acceptance has grown significantly in recent years. With recent advents in IVR systems along with increased cell phone adoption, businesses and organizations now have more tools to bill their customers and collect and accept late payments by phone.

Topics: IVR Payments
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2 min read

So You Need an ACH Transfer API - 2020

By Gene Krause on Jan 14, 2020 1:04:32 PM

What is an ACH Transfer API, anyway? Quite simply, it's an API that provides the ability for a software application to integrate ACH processing capabilities for the purpose of providing the application to originate, manage and report on the transfer of funds between bank accounts.

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2 min read

What are your eCheck API requirements for 2020?

By Gene Krause on Jan 13, 2020 10:18:11 AM

If you're part of a SaaS dev team or a stakeholder and have determined that your application has a need for an eCheck API, have you defined your requirements?

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3 min read

PCI IVR Payment Solution

By Wayne Akey on Jan 13, 2020 10:15:56 AM

 

Topics: IVR Payments
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3 min read

Best IVR Payment Systems

By Wayne Akey on Jan 13, 2020 10:15:05 AM

Best IVR Payment Systems: What to look for in your IVR Payment search

An IVR Payment Solution creates new customer option that allows customers to pay bills or invoices without involving business staff or resources. Customers dial into a  phone and connect to an automated IVR system that interacts via voice prompts with the caller, allowing them to pay amounts due without human interaction from the business side.

Topics: IVR Payments
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2 min read

Where are the ACH API Providers?

By Gene Krause on Jan 13, 2020 10:14:27 AM

ACH API Providers are organizations that provide an API for the purpose of integrating a software application to originate and manage ACH transactions. 

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2 min read

ACH Payment API Requirement Considerations for 2020

By Gene Krause on Jan 13, 2020 10:13:45 AM

Many software applications have a need to accept payments, and many require the need to integrate payments functionality via an API. For some of these application organizations, integrating to a credit card API isn't enough and have a need to integrate to an ACH Payment API.

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3 min read

IVR Transactions

By Wayne Akey on Jan 13, 2020 10:12:55 AM

IVR Transactions: Interactive Voice Response for Inbound Customer Payment Transactions

IVR Transactions occur when customers call into an IVR Payment Solution.

Topics: IVR Payments
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2 min read

IVR Payment Software

By Wayne Akey on Jan 13, 2020 10:12:13 AM

IVR Payment Software: What are your options in your IVR Payment Solution search

IVR Payment  Software Solutions offer payment options that allow clients to pay bills or invoices via self service. Customers dial into a  phone and connect to an automated IVR system and interact via voice prompts, allowing customers them to pay amounts due without human interaction from the business side.

Topics: IVR Payments
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3 min read

IVR Gateway

By Wayne Akey on Jan 13, 2020 10:10:54 AM

PCI Compliant IVR Payment Gateway Solutions – Interactive Voice Response for Phone Based Customer Payments

An IVR Gateway provides automated phone based payment acceptance solution for organizations.

Topics: IVR Payments
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2 min read

IVR Tokenization : PCI Compliance for IVR Payments

By Wayne Akey on Jan 9, 2020 3:16:39 PM

PCI Compliant IVR Tokenization Solutions – Interactive Voice Response for Phone Based Customer Payments

Credit card data is required to be handled in a PCI compliant manner. IVR Tokenization is the process that securely exchanges full credit card number for a non-sensitive replacement value in an IVR Payment Solution.

Topics: IVR Payments
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2 min read

IVR Billing

By Wayne Akey on Jan 9, 2020 3:09:46 PM

IVR Billing - 24/7/365 Automated Customer Payment Center

Topics: IVR Payments
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1 min read

IVR Phone Payment

By Wayne Akey on Jan 9, 2020 3:08:36 PM

IVR Phone Payments- 24/7/365 Automated Customer Payment Center

Topics: IVR Payments
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2 min read

Considering an ACH Payments API in 2020

By Gene Krause on Jan 9, 2020 1:52:17 PM

Software organizations that serve a customer base having recurring payments can better position themselves by integrating to an ACH Payments API. There are many reasons this is true, but the underlying fact that allows this is that these type organizations have a customer base of a subscription nature and who know their customers well.

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2 min read

ACH API Provider 2020, What Is Needed?

By Gene Krause on Jan 9, 2020 1:51:37 PM

If your organization is looking to integrate ACH payment processing, you likely have compiled a list of what your requirements are that are needed from the ACH API Provider. Integrating organizations can differ greatly in their needs, so be sure to have your transaction flows documented.

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2 min read

Canadian EFT - API Integration

By Gene Krause on Jan 9, 2020 1:47:29 PM

Many organizations are stuck in the world of managing their Canada EFT transactions by way of file submission. In some cases using antiquated windows software that is limited at best in ongoing maintenance. Fortunately there are Canadian EFT API integrations available.

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3 min read

Payment Facilitation Providers

By Wayne Akey on Jan 9, 2020 1:45:50 PM

Payment Facilitator Provider: Who do you work to become a Payment Facilitator?

A Payment Facilitator or PayFac  acts as a the Master Merchant. The  Payment Facilitator role is to quickly and easily onboard their sub merchants or SaaS platform users to facilitate credit, debit card  and in some case ACH transactions for participants in their payment ecosystem. The Payment Facilitator is responsible for regulatory compliance and has financial risk of their sub-users.

In the past the only Payment Facilitator Provider offering was to become a  “True PayFac”. Becoming a true Payment Facilitator is expensive, time consuming and requires staffing to meet compliance and risk mitigation demands. In essence you become a payment business in addition to to your core SaaS offering.

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3 min read

Check Verification Process

By Coleman Akey on Jan 9, 2020 1:43:50 PM

In 2020 the payment landscape demands sophisticated check acceptance risk mitigation tools. A Check Verification Process mitigates check acceptance risks at the point of sale, with verification options ranging from automated routing number check and negative database options, to near real-time inquiries into current checking account status.

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2 min read

ACH Payment Gateway API

By Gene Krause on Jan 9, 2020 1:26:52 PM

While the ACH network is still a batch network, utilizing an ACH Payment Gateway API can do wonders for software applications in enhancing their capabilities by communicating with a real-time communication integration. Let's examine some of the modern communication tools available from these ACH gateways.

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2 min read

Payfac Companies

By Wayne Akey on Jan 9, 2020 1:25:35 PM

Payment Facilitator Companies

A Payment Facilitator takes on the role of the  Master Merchant. The primary benefit to becoming a Payment Facilitator is that you can quickly and easily enroll your app users and enable processing of  credit, debit card and in some case ACH transactions .

As an example: A SaaS offers an invoicing solution eg QBooks. Businesses that want to leverage their invoicing solution complete a simple application and 15 minutes or so later they are approved and set up to accept customer payment. For our example let’s say the business name is “Best Landscapers”.  They applied and are now approved and ready to bill/invoice there customers using the QBooks platform.

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2 min read

Payment Facilitator versus Payment Processor

By Wayne Akey on Jan 9, 2020 1:24:43 PM

Payment Facilitator versus Payment Processor : What’s the Difference

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3 min read

Payment Facilitator Program

By Wayne Akey on Jan 9, 2020 1:23:46 PM

Payment Facilitator Programs

Payment Facilitators [Payfacs] are  Master Merchants that process credit and debit card transactions for their sub-merchants within their payment application.

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2 min read

Payment Facilitator Tools

By Wayne Akey on Jan 9, 2020 1:22:07 PM

Payment Facilitator Tools

A Payment Facilitator takes on the role of Master Merchant. This allows them to set up their application users to accept payments. The major benefit to becoming a Payment Facilitator is to quickly and easily onboard sub clients or SaaS platform users to facilitate credit, debit card  and in some case ACH transactions .

An example: A SaaS offers an business management solution for Yoga Studios. The software is call Yoga101.  Yoga 101 uses Payment Facilitator Tools to allow quick sign up and provide payout and compliance functionality.

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3 min read

Payment Facilitator or Payments Partnership? Which option is the better fit for your SaaS

By Coleman Akey on Jan 9, 2020 1:20:44 PM


SaaS companies that offer payment processing solutions must decide whether of not become a Payment Facilitator or engaging in a Payments Partnership is the most viable solution for their business. Neither is 

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1 min read

Text Payment Solutions: 7 Things to look for from your Text to Pay Provider

By Wayne Akey on Jan 9, 2020 1:20:05 PM

Text payment solutions offer businesses a fantastic tool for automating payment and especially late payment collection.

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1 min read

IVR Payments for Insurance Premiums

By Agile Payments on Jan 9, 2020 1:18:35 PM

An insurance company looking to streamline payments by phone had the following issues:

  • The insurance company was looking to provide excellent customer service, but the volume of calls received made doing this a difficult challenge. The Insurance company’s most frequent calls were from clients making payments. Agents spent significant time processing payments manually, resulting in expanded average call handling and hold times. The Insurance company was looking to automate this process.
  • Automating payments meant that the Insurance company had to have a PCI compliant solution that did not expose sensitive card data.
  • The Insurance company sought to drive down operating costs while balancing superior customer service.

The Solution

  • The Insurance company integrated the AgilePayments IVR platform to build a user-friendly workflow to handle its payment processing needs. The AgilePayments solution offered a modular, intuitive solution build, customized to the Insurance company needs.
  • The Insurance company’s application was built and deployed in AgilePayments secure, PCI-compliant network. This allowed the Insurance company to utilize the AgilePayments platform to both operate and maintain a secure environment to process critical customer financial data.
  • Data analysis and tracking allowed the Insurance company to measure automation rates and to monitor how customers used the IVR payment application.

Results

  • Following deployment of the Insurance company payment IVR application, close to 90% of payment-related calls were handled by the automated IVR payment system. This reduced average cost per call from over $4 to about 30 cents, or over 90% reduction in costs.

Utilizing AgilePayments IVR platforms enable Insurance companies to significantly improve their customer service offerings while at the same time dramatically reducing costs. With an automated payment application in place, live agents spend more time providing high-touch service for customer inquiries.

Topics: IVR Payments
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2 min read

Managed Payment Facilitation and HealthCare Applications

By Wayne Akey on Sep 26, 2019 1:16:53 PM

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2 min read

Risks of Direct Deposit Payroll Processing

By Gene Krause on Sep 24, 2019 1:21:44 PM

Recent news has once again exposed the reality that there are inherent risks for a third party ACH processor in handling and processing payroll transactions for a company who handles payroll for multiple companies or even a single company's needs. 

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2 min read

Payment Facilitation Solutions For Property Management Platforms

By Wayne Akey on Sep 20, 2019 7:32:00 AM

Payment Facilitation allows a SaaS application the ability to accept payments on behalf of its end users. The platform users complete a simple application and in minutes can begin accepting credit cards and in some cases ACH Payments.

This ability to onboard clients without having the user apply for a traditional merchant account [that can take days and require supporting documentation like bank statements and tax returns] offers a friction-free onboarding experience.

Payment Facilitation at its core offers instant onboarding of platform users. If that is not an absolute necessity there are alternative that will better meet needs. See Payment Processing Partnerships.

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2 min read

Why Canada EFT Integration is Difficult

By Agile Payments on Sep 19, 2019 8:41:09 PM

What is Canada EFT?

Topics: Canada
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3 min read

Property Management, Leveraging an ACH Integration

By Gene Krause on Sep 19, 2019 12:59:12 PM

Property management applications are extremely popular today. There is rarely a week that goes by where we are not contacted by a software application that serves property management in some way or another. Often, we are discussing payments solutions with many at one time.

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2 min read

Is ACH a Requirement for Applications With a Recurring Payments Component?

By Gene Krause on Sep 10, 2019 3:48:16 PM

Applications that have a subscription component can differ in many ways, but almost universally there is an advantage for the application to integrate to an ACH API for origination and management of recurring payments. requirement, maybe not. Advantage to integrate and offer, most certainly.

One of the common problems that subscription based applications

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2 min read

Hybrid Payment Facilitation for SaaS Platforms

By Wayne Akey on Sep 10, 2019 10:27:02 AM

A Payment Facilitator can be thought of as a Master Merchant that facilitates and processes credit and debit card transactions for their platform users.

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2 min read

Managed Payment Facilitation : What is it and is it right for your SaaS?

By Wayne Akey on Sep 3, 2019 7:50:06 AM

Managed Payment Facilitation : What is it and is it right for your SaaS

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5 min read

The ACH Payment Aggregator Debate: Why Your Business Should Consider a Partnership

By Wayne Akey on Aug 27, 2019 2:17:00 PM

For a business owner, selecting the best and most cost-effective method of accepting customer payments can be confusing and overwhelming, particularly as the range of payment options continues to grow.

A payment aggregation solution offers a platform the ability to act as a master merchant and instantly onboard application sub-users. These users can complete a simple form and in minutes begin accepting payments.

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4 min read

Reducing Credit Card Declines: How Subscription Billing Management Providers Can Address Business’s Biggest Revenue Threat

By Wayne Akey on Aug 8, 2019 8:00:00 AM

The 2019 payments landscape has inherent risks for any SaaS applications.

For example, imagine you are a business owner with 500 customers that you bill $100 per month on a recurring basis. Your business runs and plans based on $50,000 per month coming in the door on a regular basis. It took a long time and a lot of work to get to the point where your business generates that amount of reliable predictable income. You pay salaries, rent, handle plan development, and manage marketing campaigns ALL around that recurring revenue.

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1 min read

Bank Account Owner Authentication Service: Moving Beyond Check Verification Services

By Coleman Akey on Aug 6, 2019 11:39:00 AM

Bank Account Owner Authentication Service: Moving Beyond Check Verification Services

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3 min read

ACH Payment Facilitation

By Gene Krause on Jul 15, 2019 10:34:16 AM

The ACH Facilitator : What you must know

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4 min read

SaaS - Expanding Market Reach to Canada With Payments

By Gene Krause on May 28, 2019 2:15:18 PM

Have a software application with a payments requirement and want to enter the Canadian market? We'll show you how.
Overview
Payment Rails
EFT API
Processing Costs
Recurring Payments
Payment Facilitation

Overview: For software applications, especially those that serve a vertical base of client user organizations, one logical way to expanding market reach is to open up the application to countries outside your initial geographical focus. Often the logical choice is a near or adjoining country. In the case of applications that were born is the United States the choice is commonly Canada.

Topics: Canada
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2 min read

SMS Payment Provider

By Wayne Akey on May 13, 2019 3:25:07 PM

SMS Payment Provider | Pay by Text Provider 2019

Topics: IVR Payments
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3 min read

SMS Payment Gateway

By Wayne Akey on Apr 29, 2019 7:48:38 AM

SMS Payment Gateway Solutions | Pay by Text Payment GatewaySolutions 2019
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4 min read

MarketPlace Payments : What you must know

By Wayne Akey on Apr 17, 2019 9:43:00 AM

Looking to leverage or provide MarketPlace Payments? What you must know

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2 min read

MarketPlace Payment Solution Challenges

By Wayne Akey on Apr 16, 2019 9:42:17 AM

MarketPlace Payment Solutions

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1 min read

The role of the Payment Gateway for MarketPlace Payments 2019

By Wayne Akey on Apr 15, 2019 10:41:15 AM

The role of the Payment Gateway for MarketPlace Payments

When evaluating technical payment solutions that address the primary needs of a MarketPlace Payment solution the integration to the Payment Gateway plays a vital role in the MarketPlace success. For platforms considering launching or monetizing their MarketPlace payments play a vital role in both the success [or failure] of the platform as well as a primary revenue driver6.

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1 min read

MarketPlace Payments and the Merchant of Record: What does it mean?

By Agile Payments on Apr 15, 2019 9:47:00 AM

MarketPlace Payments and the Merchant of Record: What does it mean?

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2 min read

Utilizing a Canada Electronic Funds Transfer

By Coleman Akey on Mar 22, 2019 11:26:00 AM

Canada Electronic Funds Transfer is easiest and most cost effective solution to managing Canadian ACH, allowing businesses based in Canada to debit checking accounts for one-time or recurring payments.

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2 min read

Canada Electronic Funds Transfer

By Coleman Akey on Mar 22, 2019 11:24:00 AM

Canada Electronic Funds Transfer processing options are scarce compared to the ACH processing providers available in the United States. Options are limited because of the small number of banks that run the payments sphere. This makes it difficult to gain access to Canada EFT processing.Utilizing a canada electronic funds transfer allows Canadian businesses to debit checking accounts for one-time or recurring payments.

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3 min read

Understanding the Benefits of Hybrid Payment Aggregation

By Wayne Akey on Mar 21, 2019 2:05:00 PM

The decision to become a Payment Aggregator or Payment Facilitator (Payfac) has massive implications for a SaaS application provider.

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3 min read

5 Things You Must Have To Become A Payment Facilitator in 2019

By Wayne Akey on Mar 21, 2019 9:46:00 AM

Payment facilitation is the process by which one entity, a master merchant, processes or facilitates payments on behalf of a base of sub merchants.

Topics: payfac
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3 min read

Payment Aggregation: What Can Possibly Go Wrong?

By Wayne Akey on Mar 21, 2019 9:00:00 AM

For the SaaS provider, the potential advantages of becoming a Payment Aggregator can be compelling. The Payment Aggregator model can seem very attractive, both for ease of onboarding and potential revenue generation.

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3 min read

Why the Payment Aggregator Business Model is Compelling

By Gene Krause on Mar 21, 2019 8:00:00 AM

Payment Aggregation, or Payment Facilitation (Payfac), allows a SaaS company to act as a master merchant for its users. The SaaS provider onboards its clients via a fairly non-intrusive application process, and this easy, fast onboarding makes it simple for the SaaS company’s users to begin accepting customer payments very quickly.

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6 min read

Payment Aggregation

By Wayne Akey on Mar 20, 2019 3:41:00 PM

Becoming a Payment Facilitator, Payment Service Provider [PSP] or Payment Aggregator. Being a Payment Facilitator can be thought of as being a Master Merchant, facilitating credit and debit card transactions for sub-merchants within your payment ecosystem. Becoming a PSP (also known as PayFac) lends itself well to some businesses that fall into the software provider classification. However, with the many advantages come some unique challenges. We’ll discuss both in this article.

Topics: White Papers
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Payment Aggregation

By Agile Payments News on Mar 20, 2019 2:20:00 PM

Becoming a Payment Facilitator, Payment Service Provider [PSP] or Payment Aggregator.

In Payment Aggregation, being a Payment Facilitator can be thought of as being a Master Merchant, facilitating credit and debit card transactions for sub-merchants within your payment ecosystem. Becoming a PSP (also known as PayFac) lends itself well to some businesses that fall into the software provider classification. However, with the many advantages come some unique challenges.

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3 min read

Checklist for Finding the Best Payment Aggregation Partner

By Gene Krause on Mar 20, 2019 2:16:00 PM

The number of SaaS companies looking into payment processing on behalf of their customers is growing rapidly. More and more companies are looking at Payment Aggregation | Payment Facilitation as an attractive option to provide a service that offers fast, easy onboarding for their customers and generate new revenue streams in the process.  

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3 min read

5 Things You Must Have To Become A Payment Aggregator in 2019

By Wayne Akey on Mar 20, 2019 2:14:00 PM

Payment aggregation or payment facilitation allows one entity, or master merchant, to process or facilitate payments on behalf of sub merchants.

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2 min read

What is a Managed PayFac?

By Coleman Akey on Mar 19, 2019 2:09:00 PM

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3 min read

Payment Facilitation: What Can Possibly Go Wrong?

By Wayne Akey on Mar 19, 2019 12:22:10 PM

For the SaaS provider, potential advantages in becoming a Payment Facilitator (aka Payment Aggregation) are compelling: payment facilitation drives ease of client onboarding and unlocks a new stream of revenue generation.

Topics: payfac
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2 min read

Why the Payment Facilitator Business Model is Compelling

By Wayne Akey on Mar 19, 2019 12:15:54 PM

Payment facilitation, or operating as a “PayFac” allows a SaaS company to act as a master merchant for its client base. The SaaS provider onboards clients via a non-intrusive application process -- making it simple for the user base to quickly begin accepting customer payments by credit card or ACH Payments [some providers offer].

Topics: payfac
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4 min read

3 Ways to Become an ACH PayFac

By Wayne Akey on Mar 19, 2019 12:14:48 PM

 

 

Topics: payfac
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4 min read

Payment Facilitation and MyEvent.com : An interview with Rob Hirscheimer

By Wayne Akey on Mar 19, 2019 12:14:04 PM

An interview with MyEvent.com. Early adopters of the PayFac business model MyEvent.com has successfully implemented payment facilitation and used it to grow their business and acquire new clients.

Topics: payfac
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4 min read

Payment Facilitation and Property Management SaaS applications

By Wayne Akey on Mar 19, 2019 12:13:30 PM

 

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5 min read

Why WePay is Wrong About PayFac ROI

By Gene Krause on Mar 19, 2019 12:12:42 PM

Recently, PYMNTS, a leading payments and commerce industry news site published a piece on PayFacs based on an interview with WePay co-founder Richard Aberman.

Hyperbole aside, we want to examine Mr. Aberman’s view and provide some balance to the conversation for companies exploring payment facilitation.

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3 min read

Two key ways Payment Facilitation can change your business. Why SaaS platforms should consider becoming a PayFac.

By Wayne Akey on Mar 19, 2019 12:12:04 PM

Payment facilitation, or PayFac allows a SaaS company to act as a master merchant for its client base. The SaaS provider onboards clients via a non-intrusive application process -- making it simple for the user base to quickly begin accepting customer payments by credit card.

Topics: payfac
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4 min read

So You Want To Be a Payfac? The Number One Question You MUST Ask

By Wayne Akey on Mar 19, 2019 12:10:44 PM

So you want to be a PayFac? The 1 question you must answer

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3 min read

Another Reason for SaaS platforms to become a PayFac or Payment Facilitator

By Wayne Akey on Mar 19, 2019 12:09:52 PM

We get frequent inquiries from SaaS platforms and start ups about becoming a PayFac or Payment Facilitator.

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2 min read

Managed Payfac Solutions

By Coleman Akey on Mar 19, 2019 12:08:41 PM

Businesses that are Payment Facilitators [Payfacs] are in essence Master Merchants that process credit and debit card transactions for their sub-merchants within their payment application.

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3 min read

Is Frictionless Onboarding Worth the Risk?

By Wayne Akey on Mar 18, 2019 12:50:00 PM

If you’ve considered becoming a Payment Facilitator (PayFac) for your SaaS customer base, you’re familiar with the term “KYC,” or Know Your Customer. As the payment processing industry continues its trend of explosive growth, however, KYC might be more accurately termed “CYA.”

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4 min read

7 Must-Haves in a Payment Facilitation Partner

By Gene Krause on Mar 18, 2019 12:40:00 PM

As the idea of Payment Facilitation gains traction, more and more SaaS companies are exploring becoming a PayFac. Conceptually, it is an attractive feature to introduce: fast, easy, onboarding and new means of revenue generation. In fact, independent software vendors and SaaS companies are poised to generate $4.4 billion in revenue from payment processing alone by 2021.

There exists a number of issues that need consideration prior to becoming a Payment Facilitator or Payfac, however.  While the benefits of facilitation are clear, companies cannot overlook the essentials of selecting a facilitation partner. The nature of your partnership will be key in ensuring appropriate customer service, profit generation and risk or liability mitigation.

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3 min read

Looking to become a Payment Facilitator as an SaaS application?

By Wayne Akey on Mar 18, 2019 12:34:00 PM

Steps to becoming a Payment Facilitator are outlined below.

Topics: payfac
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9 min read

Why Every SaaS Platform Should Consider Becoming a PayFac

By Wayne Akey on Mar 18, 2019 12:31:00 PM

EXECUTIVE SUMMARY

SaaS platforms and Software vendors have a unique opportunity. Whether you already offer some type of payment collectionoption or have an application that has the potential to leverage payments there has never been a better time to explore your options.

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2 min read

3 Sure Signs that becoming a Payment Facilitator IS NOT for Your SaaS App

By Wayne Akey on Mar 18, 2019 12:24:00 PM

Payment facilitation or payment aggregation allows one entity, the master merchant, to process or facilitate payments for a base of sub-merchants. For SaaS providers these are typically application end users or customers.

Topics: payfac
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2 min read

Can an ACH API benefit your organization? 2019 Version

By Gene Krause on Feb 25, 2019 2:49:00 PM

ACH payments and disbursements aren’t new. ACH payments have been around since 1974, and by the end of 2016, the total volume of ACH processing exceeded $40 trillion. If you have made monthly AutoPay payments for your mortgage, paid a credit card bill or received salary as direct deposit, those transactions were via ACH.Any SaaS application that has a user base with recurring or subscription payments needs must include ACH payments as a payment rail option. In many cases ACH should be the defacto payment method for anything recurring. The simple fact is that ACH transactions have much lower processing costs than do credit card transactions. Further, credit card decline rates can cause havoc with recurring payments because of much higher decline rates. How the SaaS development team decides to manage recurring payments should be their choice. They may opt to utilize the ACH API’s recurring scheduling system or, manage the recurring schedule within their application.

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2 min read

Why an ACH Processing API? 2019 Guide

By Gene Krause on Feb 25, 2019 2:46:00 PM

For software applications that have an end-user base in a subscription model or include recurring transactions, an ACH Processing API is a must. Sure, few of these SaaS applications would want to discount the use of credit card processing because it's a commonly used payment modal, but being subscription based sets the application into an area of knowing their customer base much differently than some business that sells widgets on a one-time basis to consumers that might never revisit or occasionally purchase goods or services. Moreover, customers of these subscription based businesses more than likely rely on receiving their goods or services that the organization and SaaS provides.

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Recurring ACH API 2019

By Agile Payments on Feb 25, 2019 2:28:13 PM

Recurring ACH API For SAAS Platforms

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ACH Transfer API - 2019 Guide

By Wayne Akey on Feb 25, 2019 2:26:53 PM

How can an ACH Transfer API help your business or SaaS?

An ACH Transfer API provides an additional payment option: Using the ACH network allows a business to debit or credit checking and savings accounts.

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3 min read

Does an ACH Integration Make Sense?

By Gene Krause on Feb 12, 2019 6:36:41 PM

Some applications are more favorably aligned with acceptance of eCheck (ACH) transactions than others. Applications that are proprietary and align themselves well with eCheck acceptance and only support their business can often start out with using an external transaction management tool for payment origination and management. On the other hand, applications that are used my multiple organizations or businesses are far less likely in being able to get by with utilizing an external payment management tool. Let's examine some key areas that factor in to whether and when an ACH Integration might make sense.

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3 min read

Top 5 New Apps and Their Future

By Amanda Peterson on Feb 11, 2019 10:37:03 AM

 

Even though 2019 is only two months old, there are many new apps available for both Android and Apple devices. From improvements in health to new tech assistants, these apps will be helpful now and into future.

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1 min read

ACH Check Validation Providers

By Coleman Akey on Jan 29, 2019 8:54:53 PM

The majority of the time payment rejects are accidents, and making customers go through the hassle of the sale process again will undoubtedly lead to a fraction of those sales being lost. By leveraging checking account verification tools businesses can reduce the chance of losing customers over simple data entry errors. Businesses that rely on future billing are especially vulnerable to bad check data, utilizing ACH Check Validation Providers can dramatically reduce bad check acceptance and the subsequent workflow problems.

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2 min read

P2P Payment Apps and Challenges

By Wayne Akey on Jan 29, 2019 12:14:30 PM

We receive regular inquiries from start-ups as well as established businesses that believe they have a killer app that can be the next Venmo or Zelle.

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3 min read

IVR Payments - Not Just For Inbound Calls

By Gene Krause on Jan 29, 2019 10:58:25 AM

Businesses that have employed Interactive Voice Response technologies for acceptance of payments are generally more familiar with an IVR solution that focuses on inbound calls. Inbound IVR Payments do a wonderful job at eliminating customer service time spent on the phone where they provide customers their invoice amounts and details about the receivables, then collecting payment information where they enter it into whatever payment origination software that they are using for processing. 

Topics: IVR Payments
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1 min read

Verifying Bank Account Ownership: Understanding your Options

By Coleman Akey on Jan 23, 2019 12:22:59 PM

Advances in the online payments sphere have now made it possible for businesses to verify bank account ownership. This real-time checking account verification can confirm that a consumer or business owns the account, and is authorized to transact.

Verifying Bank Account Ownership via an online application provides businesses with comprehensive, instantaneous insight into the person/business whose check payment the business wants to accept or enroll in a recurring billing plan.

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1 min read

ACH Check Validation

By Coleman Akey on Jan 15, 2019 6:04:50 PM

The ACH Check Validation Services allow merchants to reduce check acceptance risk at the point of sale (both online and in person). Available options include:

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2 min read

Payment Facilitation Problems: What you should know about potential funding issues

By Wayne Akey on Jan 8, 2019 2:14:17 PM

Payment Facilitation Problems: What you should know about potential funding issues

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2 min read

Payment Facilitator Provider

By Wayne Akey on Dec 18, 2018 12:26:29 PM

Payment Facilitator Provider

Payment Facilitators [Payfacs] act as Master Merchants that process credit and debit card transactions for their sub-merchants within their payment application. Typically a Payment Facilitator would be a software platform that serves a specific vertical market eg Event ticketing.

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2 min read

Payment Facilitating : What is it and can it help your SaaS platform

By Wayne Akey on Dec 13, 2018 10:44:35 AM

A Payment Facilitator or PayFac assumes the role of Master Merchant. Payment Facilitating allows the Master Merchant to quickly and easily onboard their sub merchants or in the case of a SaaS platform Payment Facilitating allows platform users to the ability to accept credit, debit card and in some case ACH transactions for participants in their payment ecosystem.

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2 min read

Checking Account Owner Authentication Service: How can it Help your Business?

By Coleman Akey on Dec 12, 2018 1:53:25 PM

 

The ability to verify checking account ownership is a pivotal element of reducing the risk of enrolling a new customer with potentially bad check information.

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2 min read

Bank Account Verification: Understanding Risk Mitigation Options

By Coleman Akey on Dec 6, 2018 4:52:08 PM

The ACH or electronic check world unfortunately lacks the authorization component present with credit cards, making Bank Account Verification a necessity for SaaS businesses looking to mitigate payment acceptance risks.

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1 min read

Is Payment Facilitation a Good Option For SAAS or Platform

By Wayne Akey on Dec 6, 2018 1:07:02 PM

Is Payment Facilitation a good option for your SAAS or Platform?

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2 min read

Bank Account Validation: Exploring Your Options

By Coleman Akey on Dec 4, 2018 4:33:53 PM

Bank Account Validation allows merchants to mitigate check acceptance risk at the point of sale by providing an opportunity to validate that an account is open and in good standing prior to the account being loaded into a recurring billing engine. This means that data entry errors, potentially closed accounts, or fraud can be caught before finalizing the sale.

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2 min read

Why a SAAS platform can become a Payment Facilitator but WILL NOT be the next Stripe

By Agile Payments on Dec 4, 2018 11:22:24 AM

Why a SAAS platform can become a Payment Facilitator but WILL NOT be the next Stripe

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4 min read

4 Common Payment Obstacles Facing the SaaS Industry

By Elisa Abbott on Dec 3, 2018 11:18:39 AM

 

The SaaS (Software-as-a-Service) companies/startups have popped up all around the world. They are bringing value to people’s lives simply through the product and that has become a true hallmark of modern times.

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2 min read

Payment Facilitator Systems

By Wayne Akey on Oct 18, 2018 8:44:03 AM

Payment Facilitator Systems

A Payment Facilitator assumes the role of the  Master Merchant. The major benefit to becoming a Payment Facilitator is to quickly and easily onboard sub clients or SaaS platform users to facilitate credit, debit card  and in some case ACH transactions .

Let’s use an example: A SaaS offers an invoicing solution eg MyBooks. Businesses that want to leverage their invoicing solution complete a simple application and 15 minutes or so later they are approved and set up to accept customer payment. For our example let’s say the business name is “Best Landscapers”.  They applied and are now approved and ready to bill/invoice there customers using the MyBooks platform.

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1 min read

Account Verification System

By Coleman Akey on Oct 16, 2018 1:00:36 PM

Account Verification Systems confirm that a bank account is open and in good standing prior to the account being loaded into the billing engine. This means that data entry errors, potentially closed accounts, or even fraud can be caught before the sale’s confirmation.

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1 min read

Bank Account Verification Services

By Coleman Akey on Oct 15, 2018 11:53:37 PM

While authorization is a important aspect of the credit card sphere, the ACH realm lacks such an authorization component. When it comes to credit cards, a merchant knows they are getting paid at the point of sale because they can verify that the customer has the requisite funds on their cards at the time of payment. This reserves those funds for capture and settlement.

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2 min read

Verify Business Bank Account

By Coleman Akey on Oct 13, 2018 11:33:00 AM

Unlike the credit card arena, the ACH world lacks an authorization component. Essentially, a merchant knows they are getting paid at the point of sale because credit cards allow you to authorize at the time of payment that the customer has the requisite funds on their cards. This reserves those funds for capture and settlement.

Because the ACH world lacks the verification component present with credit card payments, knowing How to Verify a Business Bank Account is a priority for businesses in the ACH realm.

Many business compensate for this lack of authorization buy implementing a Checking Account Verification system to mitigate payment acceptance risk. Without an ACH Verification System obtaining your new customer’s valid checking account information can be a hassle.

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1 min read

Verify Funds

By Agile Payments on Oct 12, 2018 11:14:00 AM

Unlike credit cards, which can be authorized in real time, the ACH world lacks a real-time authorization component. Credit cards allow merchants to authorize a sale at the time of the payment, so the merchant will know that they are definitely getting paid. A business knows that their customer has the requisite funds on their card to make their payment in real time, and the funds are reserved.

So, we can see how credit cards are validated, but how can we Verify Funds for a checking account?

Understanding How to Verify Funds online is a merchant’s best bet to reduce check acceptance risks, and verification tools reduce payment acceptance risk by validating the customer’s bank account in real-time.

The validation process helps merchants lower their risks when accepting checks through the use of real-time verification tools. Most third party entities that offer Bank Account Validation services include negative databases, routing account number validation, and ATM networks.

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2 min read

Bank Account Validation

By Coleman Akey on Oct 11, 2018 10:16:00 AM

The ACH world lacks the authorization component that is present in the credit card sphere. Credit cards allow merchants to authorize a sale at the time of the payment, so the merchant will know that they are definitely getting paid. A business knows that their customer has the requisite funds on their card to make their payment in real time, and the funds are reserved.

So, we can see how credit cards are validated, but how does the Bank Account Validation process work?

Businesses adopt Bank Account Validation systems in order to mitigate the risk associated with payment, without these systems your customers will most likely be required to do significant work to obtain correct or valid bank account information.

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2 min read

How to Verify a Check is Good?

By Coleman Akey on Oct 10, 2018 10:11:14 AM

Checking Account Verification Services mitigate check acceptance risks at the point of sale, with verification options ranging from automated routing number check and negative database options, to near real-time inquiries into current checking account status.

How to verify a check is good:

Most checking account verification services utilize routing account number validation, which identifies the bank the check is drawn against. These databases can be checked in real time.

Negative databases are also often utilized. Based on positive and negative history of that checking account info, a report is generated regarding the account status. If the check is good or bad, a retailer can report that check status to the database. Many retailers contribute data to the network, so there are many millions of checking accounts to reference.

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1 min read

How to Verify Bank Account Number Online

By Coleman Akey on Oct 9, 2018 9:53:38 AM

 

 

Most third party entities that offer a Checking Account Verification Service utilize routing account number validation and negative databases. The bank routing number identifies the bank the check is drawn against.

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2 min read

ACH Verification Process

By Coleman Akey on Oct 8, 2018 10:43:47 PM

 

Unlike the credit card realm, the ACH world lacks an authorization component. Essentially, a merchant knows they are getting paid at the point of sale because credit cards allow you to authorize at the time of payment that the customer has the requisite funds on their cards; thereby reserving those funds for capture and settlement.

So what is the ACH Verification Process?

The lack of the authorization present with credit cards leads some business to implement a Checking Account Verification system to mitigate payment acceptance risk. Without an ACH Verification System your new customer may require significant work to obtain correct or valid checking account information.

An ACH Verification Process helps merchants reduce risks associated with check acceptance at the point of sale, in person or online. Verification tools allow businesses to significantly reduce payment acceptance risk by validating the customer’s bank account in real-time.

Verification options range from negative databases and automated routing number checks to basically real-time inquiries into current account status and checking account balance inquiries.

How to verify a check is good?

Most third party entities that offer an ACH Verification Process include the most basic tools: routing account number validation and negative databases. The bank routing number identifies the bank the check is drawn against. The databases holding this information can be checked in real time. Negative databases exist as a history [both positive/negative] of checking account info. Many retailers contribute data to the network, but recency is an issue because the customer’s last written check at a participating retailer is the last data point. This means that data can be out of date.

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2 min read

ACH Verification Process

By Coleman Akey on Oct 5, 2018 9:50:01 AM

Unlike the credit card realm, the ACH world lacks an authorization component.  Essentially, a merchant knows they are getting paid at the point of sale because credit cards allow you to authorize at the time of payment that the customer has the requisite funds on their cards; thereby reserving those funds for capture and settlement.  

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2 min read

Bill Presentment Solutions

By Gene Krause on Sep 10, 2018 3:51:42 PM

The days of organizations mailing out invoices and billing statements to their customers are slowly but surely coming to an end. Technology is making sure of that. What's replacing snail-mailed billing statements? It's not just one particular service type, but near the top of the list would be Bill Presentment Solutions

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2 min read

Why Electronic Bill Payment Services?

By Gene Krause on Aug 31, 2018 8:08:00 AM

As the populations ages and customers of a younger age become bill payers of businesses and organizations, the greater the need for payment remittance to be accomplished through electronic systems. Electronic Bill Payment Services is one such system that businesses should consider adopting. Here's why.

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2 min read

Top 3 reasons your organization can benefit from  Electronic Bill Presentment Companies

By Gene Krause on Aug 30, 2018 3:49:36 PM

Businesses and organizations who rely on customer service agents to handle incoming calls for billing payment remittance are at the top of the list for those who can best benefit from adopting systems from Electronic Bill Presentment Companies. Let's examine some reasons why...

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3 min read

Top 5 Reasons to Utilize an Electronic Bill Presentment and Payment System

By Gene Krause on Aug 21, 2018 9:28:48 PM

Organizations who employ an electronic bill presentment and payment solution benefit in many ways. Here are a few of the most important reasons businesses choose to do so. Does your organization still rely on mailed-in or phoned-in payments? Let's dive into the EBPP option of becoming more efficient

 

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2 min read

Payment Gateway Integration Web Service

By Coleman Akey on Aug 3, 2018 4:23:57 PM

SAAS platforms and developers tend to make a decision on a payment gateway integration partner[s] without considering the potential for the partner to actually help grow their business.

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2 min read

SaaS Platform Payment Gateway Integration

By Wayne Akey on Aug 2, 2018 10:38:41 PM

Developers often have a bad habit of choosing their SaaS platform payment gateway integration partner[s] without considering the partner’s potential to grow one’s business.

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2 min read

Payment Gateway Integration API

By Wayne Akey on Aug 1, 2018 3:24:55 PM

SAAS platforms and developers have a bad habit of choosing their payment gateway integration partner[s] without considering partner’s potential to actually help grow their business.

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2 min read

Credit Card Payment Gateway Integration

By Wayne Akey on Jul 31, 2018 11:28:24 PM

SAAS platforms and developers have a tendency to choose their credit card payment gateway integration partner[s] without considering what potential the partner has to actually help grow one’s business.

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2 min read

Payment Gateway Integration ACH

By Wayne Akey on Jul 30, 2018 1:28:04 PM

Many SAAS platforms and developers choose their payment gateway integration partner[s] without considering the potential for the partner to actually help grow their business.

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2 min read

Bank Account Verification API: What are your options?

By Coleman Akey on Jul 26, 2018 4:16:52 PM

The ACH or electronic check world lacks the authorization component present with credit cards.

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2 min read

ACH Validation: Understanding Your Options

By Coleman Akey on Jul 25, 2018 1:33:00 PM

The ACH or electronic check world lacks the authorization component present with credit cards.

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2 min read

Bank Account Verification Web Service: Understanding Your Options

By Agile Payments on Jul 24, 2018 3:45:00 PM

The ACH or electronic check world lacks the authorization component present with credit cards.

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2 min read

Bank Account Verification Online: What are your options?

By Agile Payments on Jul 23, 2018 1:18:14 PM

The ACH or electronic check world lacks the authorization component present with credit cards.

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2 min read

Instant Checking Account Owner Authentication

By Coleman Akey on Jul 19, 2018 12:34:45 PM

Instant Checking Account Owner Authentication Service: Understanding Your Options

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1 min read

Real Time Checking Account Owner Authentication Service

By Coleman Akey on Jul 18, 2018 3:56:37 PM

Real Time Account Owner Authentication Service: Moving Beyond Check Verification Services

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1 min read

AOA Service

By Coleman Akey on Jul 17, 2018 3:35:18 PM

Checking Account Owner Authentication Service: Looking Beyond “Account is Open and in Good Standing”Check Verification Services

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2 min read

Checking Account Ownership Systems

By Coleman Akey on Jul 16, 2018 9:34:07 AM

Checking Account Owner Authentication Service Systems: What are your Options?

Checking Account Owner Authentication Service Systems (AOA) provide businesses with fraud mitigation tools that provide instantaneous insight about the person or business whose check payment you want to accept or enroll in a recurring billing plan.

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3 min read

The Single Most Important Benefit of ACH Integration for SaaS with Recurring Payments

By Gene Krause on Jun 29, 2018 1:10:20 PM

Lower processing fees

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4 min read

What does a successful ACH integration look like?

By Gene Krause on Jun 22, 2018 2:01:27 PM

While a successful ACH API integration largely depends on the business and their requirements itself, there are a few things that cross the requirement boundaries and apply to most all ACH integration needs.

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2 min read

IVR Payments, now with Canadian EFT

By Gene Krause on Jun 20, 2018 1:25:37 PM

Agile Payments has been providing IVR payment solutions to the U.S. market for quite a while. Canadian companies have also been able to utilize IVR payments from Agile Payments for the same time period except for one small problem; they haven't been able to utilize the eCheck (eCheque) payment rail. Canadian businesses and organizations can now enjoy the same benefits that U.S. companies have been benefitting from in utilizing the ACH network. In Canada it is referred to as the EFT network. 

Using an Electronic Funds Transfer Canada Solution can save significant time and money while offering customers a new payment option.

Topics: IVR Payments
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3 min read

Will your company benefit from an ACH integration?

By Gene Krause on Jun 19, 2018 12:00:44 PM

Answering that question is largely dependent on what type of business you are and what the business model is. If your business or application is one that is subscription based or has a recurring payments component, then yes; there are a number of benefits to providing ACH payments as an option. Let's take a look at some of the benefits of an ACH Integration:

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3 min read

Instant Checking Account Verification

By Agile Payments on Jun 18, 2018 2:27:55 PM

Instant Checking Account Verification Tools allow businesses the ability to significantly reduce check acceptance at the point of sale.

For businesses that onboard or enroll a new customer in a recurring or subscription based billing environment the ability to instantly confirm checking account data is valid and that the customer has an active bank account eliminates considerable admin burdens that arise from enrolling bad checking account data.
The ACH or electronic check world does not have the authorization component present with credit cards. When processing a credit card you are able to ascertain at the time of payment that the customer has the requisite funds on their card and in turn reserve those funds for capture and settlement. In essence-You know you are getting paid.

For many businesses no authorization component means that an Instant Bank Account Verification system is needed to mitigate payment acceptance risk.

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3 min read

Checking Account Verification Companies

By Agile Payments on Jun 11, 2018 10:40:02 AM

Checking Account Verification Companies offer tools that enable businesses to verify a checking account is open and in good standing. This service can typically be run in real-time or batch mode.

Businesses that enroll or onboard a new customer in a recurring or subscription based billing environment need to be able to confirm checking account data is accurate and that the customer has a bank account that is both open and in good standing. Checking Account Verification eliminates considerable admin burdens that arise onboarding a new client with non billable data.

Service levels differ with some Checking Account Verification Companies offering basic routing # validation ( bank routing number) to negative database checks. These provide some level of risk mitigation but more insight is available including the ability in real-time to validate the account is open and in good standing. It is important to note a balance inquiry is only possible when the consumer provides credentials that allow access to their specific online banking system.

The ECheck or electronic check world does not have the authorization component present with credit cards. When processing a credit card you are able to ascertain at the time of payment that the customer has the requisite funds on their card and in turn reserve those funds for capture and settlement. In essence-You know you are getting paid.

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3 min read

ECheck Verification Tools

By Agile Payments on Jun 5, 2018 8:52:54 AM

The payments landscape in 2019 requires SaaS applications to utilize sophisticated check acceptance risk mitigation tools.

ECheck Verification Systems and Tools allow a business the ability to significantly reduce check acceptance risk especially in a non face to face environment.

Businesses that enroll or onboard a new customer in a recurring or subscription based billing environment need to be able to confirm checking account data is accurate. and that the customer has a active bank account eliminates considerable admin burdens that arise onboarding a new client with non billable data.

The ECheck or electronic check world does not have the authorization component present with credit cards. When processing a credit card you are able to ascertain at the time of payment that the customer has the requisite funds on their card and in turn reserve those funds for capture and settlement. In essence-You know you are getting paid.

For many businesses no authorization component means that a a ECheck Verification system is needed to mitigate payment acceptance risk.

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2 min read

Benefits of IVR start with reducing expenses

By Gene Krause on May 30, 2018 11:53:10 AM

Interactive voice response technology allows humans to interact with computers, effectively replacing a human on one side of the equation. A company's customers can utilize this technology for paying invoices or amounts due without the need for a human customer service agent to be on the phone from the company's side. IVR payments technology doesn't take vacation days and doesn't call in sick. It's working all the time, 24/7. While there's a cost to implementing IVR for payment remittance, it's far less expensive than human customer service agents staffing those calls. That's where the first benefit is found; reducing customer service expenses in collecting receivables, which leads to a healthier bottom-line.

Topics: IVR Payments
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3 min read

Real-time Checking Account Verification

By Agile Payments on May 29, 2018 8:40:12 AM

Real-time Checking Account Verification Tools allow a business the ability to significantly reduce check acceptance at the point of sale.

For businesses that enroll or onboard a new customer in a recurring or subscription based billing environment being able to confirm checking account data is good and that the customer has a active bank account eliminates considerable admin burdens that arise onboarding a new client with non billable data.

The ACH or electronic check world does not have the authorization component present with credit cards. When processing a credit card you are able to ascertain at the time of payment that the customer has the requisite funds on their card and in turn reserve those funds for capture and settlement. In essence-You know you are getting paid.

For many businesses no authorization component means that a Real-time Checking Account Verification system is needed to mitigate payment acceptance risk.

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2 min read

Are Service Fees possible with IVR Payments and should you use?

By Gene Krause on May 22, 2018 5:36:13 PM

When an organization is employing IVR Payments, there are two payment modals commonly used; Credit cards (including debit cars) and ACH payments. ACH payments (aka, eChecks) don't have any NACHA restrictions on service fees, which are also known as convenience fees or surcharges. Credit cards are a bit trickier. More on that later.

Topics: IVR Payments
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3 min read

Checking Account Verification Tools

By Agile Payments on May 21, 2018 10:40:36 AM

Checking Account Verification Tools: Reduce payment risk from check acceptance

Checking Account Verification Tools offer businesses the ability to reduce check acceptance risk at the point of sale, in person or in an online environment. Checking account verification tools range from an automated routing number check to negative database inquiries options to near real-time insight into current checking account status. Checking account balance validation is possible but this requires either the customer to log-in or provide credentials to their online banking system.

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3 min read

Checking Account Verification Systems

By Agile Payments on May 15, 2018 9:33:13 AM

Checking Account Verification Systems

The ACH or echeck world does not have an authorization component as with credit cards. When processing credit cards you are able to authorize at the time of payment that the customer has the funds available on their cards. Most importantly you are able to reserve those funds for capture and settlement. So you know you are getting paid at the point of sale.

For some businesses this lack of an authorization means that a Checking Account Verification system to mitigate payment acceptance risk must be put in place.

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2 min read

Can Your Company Benefit From Implementing an IVR System?

By Gene Krause on Apr 30, 2018 5:05:22 PM

Interactive Voice Response systems have been around for a while now - and they have improved greatly from the early days of operation. No longer do companies have to worry about inaccuraccies and slow processing times with IVR technology. The robust IVR systems of today have lead more and more companies to adopt Interactive Voice Response (IVR) for various customer service related needs.

Topics: IVR Payments
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3 min read

ACH Payment Processing (eChecks) with IVR Payments

By Gene Krause on Apr 16, 2018 12:11:05 PM

IVR Payments and ACH Processing

Will accepting ACH via IVR Payments improve your receivables? Organizations and businesses who invoice their customers are always looking for efficiency and reduction of costs associated with receivables. Many times this means exploring various payment channels that could be employed. There are a number of different payment channels, and also subsets of the payment channels that are created using today's technology that offer added value to both merchant organizations and their customers.

Topics: IVR Payments
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4 min read

Loan Payments Automation | Reducing a Credit Union's Customer Service Workload

By Gene Krause on Feb 20, 2018 4:42:06 PM

Here at Agile Payments, we have been working with credit unions for a long time. Some for partnerships in enabling their client base with merchant processing solutions or solutions like direct deposit payroll for internal use. Not too long ago a credit union client came to us with some specific needs; mainly reducing the amount of time that their customer service reps spend in taking payments over the phone and replacing what was a difficult to use website payment system.

Topics: IVR Payments
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The amazing growth of Fintech

By Gene Krause on Jan 29, 2018 10:09:58 AM

 

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6 min read

Agile Payments Interview with Agree.com founder David Jay and how Payments have played a crucial role

By Agile Payments on Jan 10, 2018 8:40:37 AM

 

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Topics: payfac
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6 min read

Agile Payments Interview with Online Contract Platform Agree.com Founder David Jay

By Agile Payments on Dec 6, 2017 9:05:42 AM

 

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4 min read

Understanding Payment Card Industry Compliance

By Gene Krause on May 15, 2017 9:00:00 AM

If you’re a SaaS provider considering becoming a credit card Payment Aggregator, or Payment Facilitator (Payfac) as a way to boost your bottom line by providing additional services to users of your application, you’re not alone.

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3 min read

Why an ACH option is a Must-Have for Recurring Billing

By Wayne Akey on May 11, 2017 9:00:00 AM

Payment collection is generally considered the most important business task and the most dreaded. A recurring billing solution is a fantastic tool to ease the burdens associated with payment collection by making your SaaS application user’s business life easier and more profitable.

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3 min read

SaaS Payment Gateway Integration: Is your Payment Gateway a Partner or a One-Way Street?

By Gene Krause on May 4, 2017 9:00:00 AM

I have a good friend that makes me laugh a lot. When we talk about someone that seems to only take and gives little value, he says, “Yeah, they name streets after that guy — one way.”

Topics: SaaS Chatter
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3 min read

ACH Aggregation Options for the SaaS Platform Provider

By Gene Krause on Apr 27, 2017 9:00:00 AM

Payment Aggregation, or Payment Facilitation (Payfac) offers SaaS companies the ability to provide another layer of service to their users by acting as a Master Merchant for ACH payment processing. For tech-savvy SaaS platforms that have the resources to deal with compliance and risk mitigation issues on behalf of their users, Payfac is an attractive option.

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2 min read

5 Ways SaaS Providers Can Leverage Partnerships for Growth

By Wayne Akey on Apr 24, 2017 9:00:00 AM

If you were to make a list of the top 10 SaaS providers in the market today and in turn list what makes them so successful, having business partnerships would certainly be a common trait among them.

Topics: SaaS Chatter
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4 min read

Reducing Credit Card Declines With Proactive & Reactive Outreach

By Wayne Akey on Apr 17, 2017 8:00:00 AM

If you’re a business owner, you know how frustrating it can be to wait to collect on payments. Accepting credit cards is meant to ease some of that frustration with faster acceptance and payment from customers.

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3 min read

Saas Payment Processing: Two Powerful Ways to Create Massive Profit Growth

By Wayne Akey on Apr 13, 2017 9:00:00 AM

"Give me a lever long enough and a fulcrum on which to place it, and I shall move the world." - Archimedes

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3 min read

SaaS Payments: To Stripe or Not to Stripe

By Gene Krause on Apr 10, 2017 8:00:00 AM

Software as a Service providers (SaaS) have many options when it comes to addressing payment-processing needs. Stripe is a fairly new player in the payments space, but one that has quickly established itself as a  preferred platform for developers.

Topics: SaaS Chatter
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3 min read

Minimize Credit Card Declines using the Credit Card Recurring Indicator

By Wayne Akey on Apr 3, 2017 2:30:00 PM

Payment collection is vital for merchants relying on subscriptions and recurring billing. Unfortunately, credit card decline rates present a serious challenge when processing recurring payments. Declines can result from fraud, reissued cards, the switch to EMV cards, as well lost and stolen cards. Regardless of the cause, these declined cards present problems for billers. Minimizing credit card declineshas become masively important.

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4 min read

SaaS Payment Processing: What are your options?

By Gene Krause on Mar 8, 2017 3:22:27 PM

Software as a Service (SaaS) applications payment needs typically need a shopping cart / payment checkout or the ability to manage recurring or subscription payments. Both present challenges and opportunities for the SaaS platform but our focus will be on the recurring payment functionality.

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7 min read

Cracking The SaaS Sales Marketing Code

By Gene Krause on Jan 31, 2017 10:04:57 PM

It’s a new year and 2017 is bound to bring more surprises than any of us could imagine. The goal is not to take you down an exhaustive road of enumeration, but to reexamine the SaaS sales themes we should be focusing on in 2017. The bad thing about information surge is that good ideas and plans can get buried. Keep your focus on what is important.

Topics: Blog
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6 min read

Cracking The SaaS Sales Marketing Code

By Agile Payments News on Jan 31, 2017 10:10:40 AM

It’s a new year and 2017 is bound to bring more surprises than any of us could imagine. The goal is not to take you down an exhaustive road of enumeration, but to reexamine the SaaS sales themes we should be focusing on in 2017.

Topics: Blog
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10 min read

Top SaaS Bloggers in 2017

By Gene Krause on Jan 17, 2017 11:00:55 PM

There are many top SaaS bloggers that are making an impact. They’re smart, informed, and they have a handle on the SaaS market. There are varying forecasts estimating the size of the SaaS market. One thing everyone believes is that SaaS markets are going to expand in 2017.

Topics: Blog
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11 min read

How to Grow Your SaaS Business Using Facebook Insights

By Gene Krause on Jan 3, 2017 10:14:37 PM

Have you heard the one about the guy who walks into the bar with his pet baby chimpanzee? Well the way I heard it goes something like this...

Topics: Blog
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13 min read

27 SaaS Online Marketing Tools to Use In 2017

By Gene Krause on Dec 20, 2016 10:58:19 AM

What did the elephant say to the naked man? Hey, that's cute but can you breathe through it? Silly right? Isn't that how we all feel whenever a tech peddler asks us to demo one of their new online marketing tools?

Topics: Blog
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12 min read

Marketing Your SaaS Business for Dirt Cheap

By Gene Krause on Dec 6, 2016 10:45:13 AM

As an SaaS provider, there’s a strong likelihood that you may not have the same marketing budget as large competitors. Duh, right? Sound too good to be true? I assure you it isn't.

Topics: Blog
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10 min read

LinkedIn SaaS - Tips On How To Build A Free Publicity Campaign

By Gene Krause on Nov 22, 2016 9:10:33 PM

If you're looking to set up a kick butt LinkedIn SaaS business publicity campaign, here's the place to get all of your intel. Have you noticed how many journalists, reporters, and bloggers have accounts on LinkedIn? Talk about a bonanza of ink slingers!

Topics: Blog
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8 min read

Pinterest Marketing Strategy Tips for Your SaaS

By Gene Krause on Nov 7, 2016 9:46:45 PM

If you’re not using a Pinterest marketing strategy you could be missing out. Pinterest is an extraordinary popular site because of its ability to communicate visually. Marketing with Pinterest matters, and there are reasons why.

Topics: Blog
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3 min read

 Credit Card Declines - What can be done to reduce decline rates?

By Agile Payments News on Oct 31, 2016 11:50:47 AM

Reducing Credit Card Declinesplays an importnat roles in every businesses profitability.. 

Topics: Blog
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7 min read

Instagram for Business Marketing: Tips to Pulling It Off

By Gene Krause on Oct 24, 2016 7:01:57 PM

Instagram for business marketing is no longer reserved to clothing lines. Instagram is a free social network and online program that enables users to share, edit and take photos. Users can connect through email, Instagram's platform, or other popular social media sites. Instagram is all about taking photos and sharing them.

Topics: Blog
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7 min read

Top SaaS Challenges and Mistakes

By Gene Krause on Oct 11, 2016 9:20:57 PM

Not conquering SaaS challenges can take some startup companies down. There are some companies rooted in the SaaS 1.0 era that didn’t make the cut. They had to develop their own delivery capabilities, software development resources, and company architecture. They didn’t have the benefits of companies starting today. Companies now can leverage services and computing power from companies like Salesforce.com and Amazon.com.

Topics: Blog
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6 min read

Top SaaS Success Stories in 2016

By Gene Krause on Sep 28, 2016 8:19:21 PM

SaaS companies distribute software and make it available to customers over the Internet. Cloud-computing technology is at the core of what makes things move. As SaaS becomes more popular, more companies will get on board in favor of this type of business model.

Topics: Blog
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8 min read

The Ultimate Guide to SaaS Marketing Tools

By Gene Krause on Sep 13, 2016 10:19:02 PM

Marketing for any business can be a challenge and marketing for something that has no physical presence can be extremely difficult. The same goes for marketing anything that constantly changes for marketing anything that deals with B2B. Finding the right SaaS marketing tools goes a long way towards making sure you succeed.

Topics: Blog
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6 min read

How to Win at SaaS Lead Nurturing

By Gene Krause on Aug 30, 2016 7:36:28 PM

When it comes to any SaaS company, SaaS lead nurturing should be an integral part of the company’s success strategy. If not, then it is virtually impossible to build customer relationships across multiple channels any other way. SaaS companies, especially, wrestle with the reality that customers do not materialize overnight.

Topics: Blog
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7 min read

7 Simple Steps to an Effective SaaS Conversion Rate Optimization Strategy

By Gene Krause on Aug 15, 2016 10:29:51 PM

If you’re at the helm of an SaaS company, you know how important it is to make sure that prospects becoming customers—and that they remain with your program for the duration. Thus, there are a number of valid reasons why you should pay close attention to conversion rate optimization.

Topics: Blog
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