Payments | Credit Card Topics | CardRates.com

Comparing Buy Now Pay Later Services vs. Credit Cards

By: Marcie Geffner, 9/20/2021

Buy Now Pay Later (BNPL) sounds simple: You get what you want now. You pay for it later. Great! Right? Well, maybe. The answer isn't as simple as the concept. If you're thinking about using a BNPL service — or maybe you already have -- you may have some questions. And we have the answers. What Is BNPL? BNPL is a short-term financing arrangement that allows you to split a purchase price into multiple payments known as installments. The first installment is typically due... read more »

Clair Helps Businesses Offer On-Demand Pay Benefits So Workers Can Reduce Reliance on Credit and Loans

By: Jon McDonald, 9/13/2021

In a Nutshell: Business owners can use Clair On-Demand Pay to advance wages for hourly employees, including those who live paycheck to paycheck. Clair distinguishes itself from competitors by offering fee-free wage advances and by partnering and integrating directly with HR tech platforms to avoid bringing changes to employers' existing processes. In addition to enjoying on-demand access to their earnings, Clair users also gain access to a Spending and Savings Account, Clair Debit... read more »

Marqeta: A Card and Payment Platform That Helps Financial Brands Launch Digital Banking Solutions

By: Adam West, 9/9/2021

In a Nutshell: Modern card issuing platform Marqeta has helped power the digital transformation in payments since 2010. Today, its solutions allow new and established companies to innovate and compete for market share. Marqeta’s flexible platform helps institutions quickly deploy advanced card products, including contactless virtual cards, and fosters their evolution as consumer needs change. Modern financial brands and fintech companies rely on innovation to keep up with... read more »

Hardship Accommodations By Credit Card Issuer in 2023

By: Erica Sandberg, 8/23/2021

There may come a time when you can’t manage even the minimum monthly payment for your credit card account. After exploring different methods to keep the account in good standing, you may still come up short. In that case, contacting the issuer to ask for assistance is the best course of action. A modification of the terms of the agreement may be available. Here is what each of the major U.S. credit card issuers recommends you do when experiencing financial hardship and... read more »

Onbe: Digital Card Solutions That Help Companies Turn Payments and Rewards into Engaging Analytics Tools

By: Adam West, 8/12/2021

In a Nutshell: Modern digital card platforms can help businesses transfer rewards and payments to customers and employees more efficiently. With Onbe, those flexible physical and virtual card payments also become strategic engagement tools that produce robust business and product insights. Onbe’s tailored solutions enhance the payment experience on both sides of the transaction in a wide range of consumer and workforce applications. As digital financial platforms mature, modern... read more »

Through Comdata and Fuelman Fleet Cards, FLEETCOR Focuses on Payment Innovation and Sustainability

By: Matt Walker, 8/5/2021

In a Nutshell: The world of fleet management is a complex and fast-moving network of not only roads but also payments and data. FLEETCOR and its subsidiaries, Comdata and Fuelman, are long-running experts in fleet management and payment systems. These innovative companies offer convenient fuel cards so businesses can more easily manage fleets of varying sizes. The companies are also looking to the future and accommodating companies that are prioritizing sustainability with its Clean... read more »

Shift Processing: A P2P Platform That Frees Cannabis and Other High-Risk Businesses to Accept Card Payments

By: Adam West, 7/28/2021

In a Nutshell: As more states legalize cannabis for medical and recreational use, major card networks continue to ban marijuana businesses and force consumers to pay with cash. But dealing with cash in cannabis and other locked-out businesses is inconvenient and a possible security risk for proprietors. Shift Processing aims to solve that problem with its closed-loop P2P payment platform, which charges consumers a small fee for access to its processing services. With Shift, businesses... read more »

Leave the Credit Cards at Home: Popl Leverages NFC Technology to Simplify Payments and Networking

By: Matt Walker, 7/9/2021

In a Nutshell: Popl is a company that offers digital business cards for networking and payments in today’s increasingly digital world. Rather than handing over paper business cards with limited information, Popl’s products allow people to easily transfer a bevy of information just by tapping a Popl to someone’s smartphone. Users can easily relay contact information, social media accounts, and even make payments using Popl. The company offers a variety of products, including the... read more »

Payactiv Card Offers Workers Fast Access to Earnings and Savings on Everyday Necessities

By: Adam West, 6/14/2021

In a Nutshell: When workers can access their paychecks faster, they can often avoid payday loans, overdraft fees, and financial setbacks. That’s why Payactiv partners with more than 1,500 U.S. employers to provide workers with immediate access to their earnings via the Payactiv Visa Card. The Payactiv app also offers budgeting tools, financial education resources, and a discount marketplace for everyday consumer items. Over the past few decades, the plight of low-wage earners in the... read more »

EBANX Card and Cash Voucher Solutions Connect Underbanked Consumers to the Global Marketplace

By: Adam West, 6/11/2021

In a Nutshell: Credit products can be elusive and expensive in Latin America, and many underbanked consumers still prefer to transact in cash. That combination can discourage international companies from conducting business there. EBANX helps global businesses enter the Latin American market by offering innovative digital payment solutions for merchants and consumers. The company develops card, transfer, and cash voucher solutions, among others, that link Latin America to global... read more »

SumUp: Easy-to-Use Card Readers and Apps That Help SMBs Manage Payments and Invoicing

By: Adam West, 6/7/2021

In a Nutshell: In today's economy, startups and small businesses need to accept credit cards and digital payments. But solutions that are too complex and costly can actually be counterproductive. SumUp offers straightforward and affordable card readers that solve payment challenges for merchants without burdening them with contracts, minimums, or recurring costs. SumUp’s secure apps also enable invoicing and remote payments to help entrepreneurs meet customers wherever they are. ... read more »

Merchant Cost Consulting Helps Businesses Navigate the World of Credit Card Processing

By: Matt Walker, 5/26/2021

In a Nutshell: Maintaining the services of a credit card payments processor is essential for businesses in nearly every industry. And companies often accept whatever rates and fees the processing companies charge them as the cost of doing business. But Merchant Cost Consulting represents companies of all sizes and negotiates lower rates from payment processors. The company evaluates clients’ current processing fees and charges, then contacts the payment processor directly to obtain a... read more »

Credit Card & Electronic Payment Processors by Market Share

By: Erica Sandberg, 5/6/2021

You probably don't think about how your credit or debit card transactions are completed. You just swipe, tap, or wave your card at point-of-sale terminals, or submit the account information to an e-commerce website to make a purchase. After that, the retailer supplies you with the item or service -- and you either get the bill or the money is deducted from your checking account. But there is a lot going on behind the scenes during these transactions. Enter the card processor. These... read more »

RentRedi: A Convenient Platform for Landlords to Easily Manage Rentals and Accept Credit Cards

By: Matt Walker, 4/9/2021

In a Nutshell: Renting a house or apartment seems like an easy enough task, but, in reality, both tenants and landlords are faced with many challenges. The traditional application process can be cumbersome and convoluted for both parties. And collecting rent and addressing maintenance issues are often more challenging than they need to be due to communication issues. RentRedi addresses these problems and many more with its tech-based platform that eases the rental pain points for... read more »

NestEgg Automates Rental Property Management for Landlords and Helps Retain Credit-Qualified Tenants

By: Adam West, 3/29/2021

In a Nutshell: More than 12 million independent property owners often struggle to manage their small rental properties and tenant relationships. NestEgg launched in 2017 to improve those relationships with tech and credit tools that stimulate growth for landlords and increase flexibility for tenants. NestEgg allows property owners to automate maintenance, leasing, collection, and payments so they manage their operations more efficiently. Its robust payment features also increase... read more »

Zuora Provides Software and Credit Card Billing Solutions for Subscription-Based Businesses

By: Matt Walker, 3/19/2021

In a Nutshell: As technology advances, so do business models. In recent years, what were once product-based companies are moving to subscription-based services. And Zuora is a company that helps facilitate this transition, providing its customers with a dependable cloud-based platform to manage their subscription models and credit card billing and payments. The handy billing solution allows businesses to focus on their missions and goals while Zuora makes sure everything runs smoothly... read more »

SDK.finance: A White-Label Payments Solution for Cards, Digital Transactions, and Remittances

By: Matt Walker, 3/11/2021

In a Nutshell: In today’s fast-moving, digital marketplace, companies are always looking for ways to keep an edge over their competitors. Part of this can be done with a secure, convenient, and efficient payments solution such as SDK.finance. The white label platform offers ultimate flexibility that allows it to be used for a wide variety of use cases across multiple industries. Any payments related products can be built on SDK.finance platform such as payment service providers,... read more »

Square Makes Accepting Credit Cards Simple and Convenient for Merchants of Any Size

By: Matt Walker, 2/26/2021

In a Nutshell: Once upon a time, accepting credit card payments was a convenience not available to just anybody. The costs associated with credit card payments were prohibitive for many independent merchants and small businesses. But Square now makes it possible for businesses of all shapes and sizes to easily accept credit cards. The company is continually expanding its product line and services to meet the shifting needs of today’s consumer. It also evaluates feedback from clients... read more »

Greenphire Delivers Flexible Virtual Payments and Pre-Paid Card Solutions for the Clinical Trial Sector

By: Matt Walker, 2/24/2021

In a Nutshell: While the average consumer may not have considered it, efficient credit card and payment processing solutions are extremely important in the clinical trial sector. And it has been especially critical in 2020 as companies rush to safely but effectively develop a vaccine for COVID-19. Greenphire stands at the forefront of payment solutions in the clinical trial sector with a suite of products that reduce barriers to participation, lighten the administrative burden, and... read more »

OnPay Solutions Leverages Technology to Streamline Processes for Virtual Cards and Other Payments

By: Matt Walker, 2/1/2021

In a Nutshell: While certain departments within medium-to-large businesses have largely moved into the modern era, many accounts payable departments have struggled to keep up with evolving technology. OnPay Solutions helps these departments move into the digital age with its convenient solutions that make accounts payable processes faster, easier, and more cost-effective. The company’s virtual credit card solution also provides unparalleled security when it comes to transactions. The... read more »

Global Processing Services: Helping Global Fintechs and Digital Banks with Flexible Card Payment Solutions

By: Adam West, 1/28/2021

In a Nutshell: Smaller institutions that offer intuitive and targeted customer payment experiences are now competing with legacy financial providers for market share. Behind the scenes, many of those emerging fintech brands leverage the highly flexible payment platform provided by Global Processing Services (GPS), GPS Apex. The company’s technology integrates with more than 40 issuing banks and partners and over 180 fintech providers in 60 countries. GPS is also certified by Visa and... read more »

TickTick Offers an Easy Way to Stay Organized and Pay Credit Card and Other Bills on Time

By: Matt Walker, 12/10/2020

In a Nutshell: Nearly everyone in the U.S. is juggling multiple bills each month from internet services to credit cards. And, if you’re like me, occasionally a bill slips past you, and you forget to pay it. TickTick helps to eliminate these occasional flubs and keeps the rest of your to-do items, appointments, and reminders in one convenient place. The app shines with its powerful calendar and scheduling features and generally helps people stay more organized and free to focus on... read more »

PagBrasil Delivers Modern, Convenient Credit Card Processing and Other Payment Solutions

By: Matt Walker, 11/19/2020

In a Nutshell: Securing the services of a high-quality, dependable payment processor is essential for nearly every business these days. In Brazil, PagBrasil provides modern, seamless, and reliable payment solutions for merchants around the world. The company handles an array of processes, including credit and debit card transactions, electronic funds transfers, hybrid solutions, fraud prevention, and collections. With a focus on delivering a quality product to its clients, PagBrasil... read more »

Xendit is a Top Payment Gateway for Credit and Debit Cards and Bank Transfers in Southeast Asia

By: Matt Walker, 9/29/2020

In a Nutshell: Payment processors are essential to the success of many businesses today. And, in just a few short years, Xendit has proven itself to be a dependable and secure leader when it comes to payments in Southeast Asia and Indonesia. Not only does Xendit provide services geared toward the user of today, but it positions other innovative services to help consumers transition into the future. Part of the company’s mission is to lead Southeast Asia and Indonesia into the modern... read more »

The eBay Managed Payments Program Offers Flexibility, Including Credit Cards and Other Methods

By: Matt Walker, 9/15/2020

In a Nutshell: For more than 25 years, eBay has been a pioneer when it comes to facilitating online transactions. During that time, eBay users have gone from mailing checks and money orders to making purchases with the click of a button. The company’s managed payments program is the latest evolution in its payment journey. Sellers can now manage their inventory and payments within the same platform. Meanwhile, buyers have more flexibility with the option to use credit cards, debit,... read more »

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