Paytiko’s Growth Hub emerges as a transformative, AI-powered solution that not only simplifies payment management but also drives strategic growth through data-driven insights and automation. At its core, the Paytiko Growth Hub leverages artificial intelligence to elevate how merchants engage with their payment ecosystems. Far beyond static reporting dashboards, the Growth Hub introduces predictive analytics, intelligent automation, and real-time optimization to empower merchants with actionable intelligence. At its core, the Paytiko Growth Hub leverages AI to elevate how merchants engage with their payment ecosystems. Far beyond static reporting dashboards, the Growth Hub introduces predictive analytics, intelligent automation, and real-time optimization to empower merchants with actionable intelligence. By analyzing a multitude of transaction variables—including historical payment success rates, time of day, processor reliability, and regional performance—the Growth Hub enables merchants to reduce failed transactions and boost payment success rates proactively. These predictive capabilities extend to cash flow forecasting, providing merchants with clear visibility into their expected revenues and enabling more accurate financial planning. The tool’s versatility is particularly valuable for subscription-based businesses. Through AI-driven churn prediction, merchants can identify customers at risk of cancellation and implement timely, targeted retention strategies that directly improve customer lifetime value. Simultaneously, real-time fee optimization guides merchants toward the most cost-effective processors for each transaction, significantly reducing operational expenses.
Mastercard-Fiserv partnership to offer the first 1,000 SMBs who apply and qualify one of Clover’s POS/business management devices for one penny a month in hardware rental fees
Mastercard is expanding its small business platform with a new offer from Fiserv’s Clover. As part of this partnership, the company is offering the first 1,000 SMBs who apply and qualify one of Clover’s point-of-sale/business management devices for one penny a month in hardware rental fees. Small businesses make up 99.9% of all U.S. businesses, yet many still face barriers accessing the technology, tools, and trusted support they need to compete and grow. Mastercard’s Small Business Navigator provides a single, mobile-friendly hub offering free and trial-based tools, curated content, product discounts, and partner solutions to help SMBs operate more efficiently and securely. The platform is available to all small businesses, regardless of whether they are Mastercard customers. Clover has deployed over 800,000 merchant devices globally, providing entrepreneurs with the tools to manage payments, inventory, and customer engagement in one system. Chiro Aikat, U.S. co-president at Mastercard said, “By collaborating with partners like Fiserv, we’re helping entrepreneurs navigate their next chapter with tools that meet them where they are — and where they want to go.”
People judge your status by how you pay- consumer using a mobile payment app was rated as higher status when paying for an economy hotel; but when the hotel was described as a luxury property, the consumer paying in cash received a slight status edge
A new study from Cornell University has revealed that consumers using mobile payments are perceived as having higher status than those using traditional methods such as credit cards or cash. The research also uncovers a shift in how the use of cash is viewed in social perception. Even as mobile apps become more common, the research shows that users of mobile payment methods are still misperceived as early adopters. Early adopters have historically been associated with affluence, and this mistaken belief leads observers to perceive mobile payment users as wealthier than cash users, granting them higher status in everyday transactions. However, the research also shows that this status signal is context dependent. In another study, participants evaluated a consumer paying for a hotel stay with either cash or a mobile app. The consumer using a mobile payment app was rated as higher status when paying for an economy hotel. But when the hotel was described as a luxury property, the consumer paying in cash received a slight status edge. According to the research, when the purchase itself (such as a luxury hotel stay) already conveys wealth, the mode of payment becomes less critical. In fact, using cash in such contexts may even enhance the perception of discretionary wealth. The overarching takeaway from this research is that in a world where every interaction — no matter how trivial — can serve as a status signal, something as mundane as the method of payment carries social weight. Mobile payments are not just reshaping how transactions happen; they are also transforming how individuals are perceived.
Curve Pay’s Apple Pay alternative operates on Thales’ D1 platform, a cloud-based system that allows users to digitize their payment cards within a mobile wallet, providing real-time processing and smooth integration with existing financial systems
Curve has announced an expanded partnership with Thales, to strengthen security for mobile payments. This collaboration follows the launch of Curve Pay on iOS, marking a new phase in mobile payment convenience. The partnership enables Curve users on both iOS and Android to make contactless payments in stores directly through the Curve app, using NFC technology. This move aims to transform everyday spending by offering a seamless and secure payment experience. Curve Pay operates on Thales’ D1 platform, a cloud-based system available across Europe on iOS and Android. The platform allows users to digitize their payment cards within a mobile wallet, providing real-time processing and smooth integration with existing financial systems to ensure secure and flexible payments. Shachar Bialick, Founder and CEO of Curve, said, “By combining our technology with Thales’ secure platform, we’re not only protecting transactions but also empowering customers to take charge of their finances.”
FinTechs pursue direct connections to the Fed with National Trust Bank Charters to sidestep the piecemeal approach of obtaining state-by-state licenses
The applications for national trust bank charters from Wise, Ripple and Circle signal intent to connect directly to the Fed’s payment systems. Should the applications be approved, the charters would allow these firms to sidestep the piecemeal approach of obtaining state-by-state licenses, and in other cases (as would be seen with Wise, which is based in the U.K.), relying on correspondent banking for cross-border money movement. Without a charter in hand, the FinTechs would traditionally seek 50 state-by-state money transmitter licenses, or they could seek to own a bank (as has been seen with the likes of LendingClub) or become one. The national trust bank charter, at a high level, sets the stage for FinTechs to operate under the scrutiny of a single regulator (the OCC), while branching out into banking services, such as settlement of transaction, with the exception of holding insured deposits or lending. Circle’s move to gain a national trust charter would enable the firm to offer those custody services. Wise, with charter in hand, would be able to connect directly to the Federal Reserve’s payment rails to clear and settle U.S. dollar-based payments. The direct access to the Fed would help bypass those middlemen that are a staple of the correspondent banking system, where cross-border payment fees, as estimated by the World Bank, stand at about 6.5%. Ripple subsidiary Standard Custody & Trust Company applied for a Federal Reserve master account as of the end of June. This account would enable Ripple to custody the reserves for its stablecoin with the Fed and issue and redeem stablecoins outside normal banking hours.
Worldpay is expanding its Platforms offering that provides a single point of integration for credit and debit cards, direct debit, digital wallets, and more payment methods via API to Canada and UK to meet rising embedded finance demand
Worldpay is expanding its Worldpay for Platforms offering to meet rising embedded finance demand. The expansion brings Worldpay for Platforms to Canada and the U.K. and deepens the company’s presence in Australia. Worldpay for Platforms provides a fully managed payments service that reduces risk, simplifies compliance, and allows platform providers to focus on their core services. This service enables easier payment integration, creating a centralized hub for customer transactions and enhancing business management tools. With a modern API architecture, Worldpay for Platforms offers a single point of integration for credit and debit cards, direct debit, digital wallets, and more payment methods, setting it apart from many UK providers. The offering lets software providers embed “highly secure, scalable” payment experiences into their platforms. Alison Morris, SVP and GM of international platforms at Worldpay said “By offering integrated payment experiences that are trusted, secure and designed around the end-customer, vertical software providers can unlock new revenue streams, increase retention and strengthen loyalty. By launching across these new geographies, we’re helping our partners deliver more value, grow faster and stand out in increasingly competitive markets.”
PayJunction’s integration of Twilio’s customer engagement tech with its payment platform lets merchants deploy AI-driven IVR solutions that securely process payments over the phone and eliminate manual processes without increasing PCI scope
Payments company PayJunction has launched an integration with customer engagement platform Twilio. The integration lets PayJunction merchants deploy artificial intelligence (AI)-driven interactive voice response (IVR) solutions that securely process payments over the phone and do away with manual processes. “Merging Twilio’s innovative, customized experiences with PayJunction’s robust payment technology will equip businesses with the tools to quickly scale their phone payment operations without increasing PCI scope,” PayJunction President Randy Modos said. “Outsourcing phone payments often means higher costs and less control over customer interactions. With the Twilio and PayJunction integration, businesses gain access to a robust feature set and tailored pricing that aligns with their specific needs.” Conducting manual payment processing over the phone is an error-prone process, taking up valuable staff time, interrupting workflows and decreasing customer satisfaction. By employing secure, AI-driven IVR solutions, the companies say, PayJunction’s Twilio connection reduces errors and gives staff more time to tackle higher-value tasks. With the elimination of manual processes, businesses can significantly lower customer wait times and increase order capacity
Paytiko’s AI-powered predictive analytics payments tool that enables merchants to reduce failed transactions and boost payment success rates proactively by cash flow forecasting, and clear visibility into their expected revenues and enabling more accurate financial planning
Paytiko’s Growth Hub emerges as a transformative, AI-powered solution that not only simplifies payment management but also drives strategic growth through data-driven insights and automation. At its core, the Paytiko Growth Hub leverages artificial intelligence to elevate how merchants engage with their payment ecosystems. Far beyond static reporting dashboards, the Growth Hub introduces predictive analytics, intelligent automation, and real-time optimization to empower merchants with actionable intelligence. At its core, the Paytiko Growth Hub leverages AI to elevate how merchants engage with their payment ecosystems. Far beyond static reporting dashboards, the Growth Hub introduces predictive analytics, intelligent automation, and real-time optimization to empower merchants with actionable intelligence. By analyzing a multitude of transaction variables—including historical payment success rates, time of day, processor reliability, and regional performance—the Growth Hub enables merchants to reduce failed transactions and boost payment success rates proactively. These predictive capabilities extend to cash flow forecasting, providing merchants with clear visibility into their expected revenues and enabling more accurate financial planning. The tool’s versatility is particularly valuable for subscription-based businesses. Through AI-driven churn prediction, merchants can identify customers at risk of cancellation and implement timely, targeted retention strategies that directly improve customer lifetime value. Simultaneously, real-time fee optimization guides merchants toward the most cost-effective processors for each transaction, significantly reducing operational expenses.
FIS’s new turnkey, cloud-native solution is core agnostic and enables banks to connect to multiple payment networks and process payments within one platform via a single API
FIS has launched its Money Movement Hub, an innovative payments solution that helps to simplify the back-end infrastructure of financial institutions by enabling them to connect to multiple payment networks and process payments in one place. Designed as a turnkey solution for a wide range of institutions – from super regional banks to community banks – the Money Movement Hub supports a modernized payments journey that can change with each client’s needs. The flexible, cloud-native platform is core agnostic and allows banks to start with the payment types they need today, then add new capabilities over time through a “pay-as-you-grow” model. It delivers unified and secure money movement experiences that can be embedded across a variety of customer channels, helping institutions meet digital demands quickly and efficiently. The FIS Money Movement Hub helps to harmonize the payments ecosystem within a financial institution by facilitating the integration of major payment networks within one solution, via a single API. As well as helping to reduce complexity for organizations, the solution can increase the accuracy of payments, improve liquidity, and help to quickly remediate security risks. This innovative payments hub responds to evolving consumer demands for faster and more efficient payments, as well as regulatory changes, and aims to transform financial institutions’ money movement capabilities. Features of the FIS Money Movement Hub: Unified Integration; Cloud Native; Built-in Fraud Controls.
MoneyGram launches API for embedding crypto on/off-ramp functionality enabling fast, compliant cash-to-crypto and crypto-to-cash integration through a single implementation
MoneyGram has launched MoneyGram Ramps, a developer-centric API that enables fast, compliant cash-to-crypto and crypto-to-cash integration through a single implementation. With just a few lines of code – wallets, exchanges and fintech apps can instantly access the MoneyGram global cash network, making it easier than ever to embed crypto on/off-ramp functionality at scale. Built for speed, MoneyGram Ramps equips developers with tools to get started in minutes: No banking integrations required; Instant API credentials and sandbox access; Comprehensive documentation and SDKs; Live onboarding. Powered by the Stellar blockchain, Circle’s USDC and MoneyGram’s global network, MoneyGram Ramps bridges physical and digital currencies, enabling movement between cash and crypto and expanding access to the digital economy. With MoneyGram Ramps, developers can easily offer users – even those without a bank account – the ability to deposit or withdraw cash at thousands of participating MoneyGram locations worldwide. “With this launch, MoneyGram is quickly becoming the connective tissue between traditional finance and the digital economy,” said Anthony Soohoo, MoneyGram Chief Executive Officer. “We’ve taken the complexity out of integration, opening the door to seamless connection with the world’s largest cash on/off-ramp for digital wallets1.”