White Papers

Read our latest white papers on business solutions, payment processing, convenience fees and regulatory compliance.

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  Proven Ways to Enhance User Experience and Payment Completion Rates

  In this case study, learn how we dramatically decreased the number of end-users who fall out of the payment channel. By gathering feedback from clients and end-users, making iterative improvements,…

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  Important Considerations When Processing Checks

  This study provides business insights into the advantages and disadvantages of processing check payments. Learn about the  trade-offs of using Check21 and Automated Clearing House (ACH). Get the latest check…

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  Maintain Business Continuity with Digital Payment Solutions

  When the pandemic hit, did your organization scramble to continue accepting payments? Were you ever stressed about keeping payments coming? Or providing a convenient way to pay for your customers?…

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  Creating Consumer Centric and Compliant Payment Solutions in the Text Channel

  Consumer behavior has shifted significantly. Consumers are increasingly conducting much of their activities digitally and on mobile devices. In a recent CFPB survey, over the last 3 years, the use…

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  How Card Processing Works

  By offering card payments, merchants maximize their chances of retaining their customer base while improving customer satisfaction. In this white paper, we’ll take a deeper look at card payment transactions…

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  Driving Electronic Bill Pay Adoption Through Multi-Lingual Solutions

  For many businesses, the process of billing and accepting payments has not changed much over the decades. Many still rely on paper-based methods of account settlement, choosing to invest in…

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  Kiosk Branding 101: Your Definitive Guide to Kiosk Branding Success

  The global kiosk market is growing rapidly, with an estimated combined annual growth rate of 10.9 percent until 2024. This growth will see the market valuation reach an astonishing $30.8…

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  The Business Case for Kiosk Bill Pay

  Many customers prefer to pay in person, and some have no other option; if a business removes this method entirely, it could lose these customers to competitors. The solution is…

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  Bill Payment Kiosks: Your Complete Guide to Kiosks

  With an estimated annual growth rate of 10.9 percent until 2024, the global kiosk market is expanding rapidly. A big part of that growth is the bill payments market –…

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  Mobile Pay Trends: Meeting the Demands of a Digital Economy Through Mobile Pay Solutions

  The digital transformation has left no industry untouched, and changes to financial services are moving particularly swiftly. Disruptive technology has created alternative solutions to manage financial transactions, which consumers are…

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  CFPB’s Newest Rule Highlights a Need for Compliant Payment Processing

  The Consumer Financial Protection Bureau (CFPB) issued its long-awaited payday lending rule (the “rule”) on October 4th. This rule, which will go into effect 21 months after publication in the…

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  What to Know Today About the Starter Interrupt Device

  Many of the vehicles financed with subprime loans have a GPS device installed, and lenders have utilized the use of starter interrupt devices (“SIDs”).  Lenders will require the SID to…

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  Convenience Fee Collection State Outline

  Understanding state specific guidelines regarding the collection of a convenience fee is important. In recent years, the FTC has focused on bringing a greater number of cases and obtaining stronger…

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  Preauthorized Payments & Regulatory Compliance

  Changes in regulation have resulted in some confusion within the industry about authorizations for preauthorized ACH and debit card payments under Regulation E (Reg E) and NACHA regulations. Download this…