Fintech Trends & Insights

Blog

NMI’s perspective on payments industry trends, innovative tech solutions, merchant management and operational best practices. 

Summer 2025 Updates: Visa Rolls Out CEDP and VAMP Payment Trends Summer 2025 Updates: Visa Rolls Out CEDP and VAMP By Dr. Nigel Jewell & Lisa Lloyd April 2025 saw the launch of two new Visa initiatives: the Visa Commercial Enhanced Data Program (CEDP) and the Visa Acquirer Monitoring Program (VAMP). Each involves important modernizations to legacy programs and includes key changes that both merchants and acquirers need to understand.  CEDP is the next evolution of Visa’s Level 2 and Level 3 enhanced data program and impacts reporting and fees for merchants and acquirers handling B2B and B2G transactions. VAMP rolls multiple monitoring p... Read More
How SaaS Platforms Can Streamline Merchant Account Management How SaaS Platforms Can Streamline Merchant Account Management By Luis Peña & Darryl Cumming Once your merchants are onboarded, accepting payments, and receiving payouts, there’s one more essential piece of the puzzle: ongoing account management. Businesses are constantly evolving — merchants may need to update account details, adjust their services, track transactions, request support, or add new hardware. At the same time, you need visibility into their performance and support needs to maintain a seamless experience. That’s where a well-designed account management portal comes in... Read More
Merchant Payouts: Ensuring a Smooth Flow of Funds for Your SaaS Platform Payment Platform Merchant Payouts: Ensuring a Smooth Flow of Funds for Your SaaS Platform By Luis Peña & Darryl Cumming You’ve onboarded your merchants and set them up to accept payments — but what happens next? Getting paid. For software providers offering embedded payments, payouts are a critical part of the merchant experience. If funds don’t flow smoothly and predictably, it can lead to frustration, support issues and even churn. But payouts don’t just impact your merchants — they affect your bottom line, too. Payouts happen on two levels: Merchants receive funds from their completed sales — the fa... Read More
NMI Survey: Why SaaS Platforms Can’t Ignore the In-App Payment Shift Payment Trends NMI Survey: Why SaaS Platforms Can’t Ignore the In-App Payment Shift By Peter Galvin In our last consumer survey, we looked at some of the payment trends shaping how people shop and pay in 2025. Now, we’re digging into how people feel about embedded software payments — one of the industry’s fastest-growing areas today. We talked to 1,000 U.S. consumers to learn how often they use in-app payments, where they’d like to see more of them, what kinds of experiences influence their decisions and much more. We found that consumers (especially younger ones) are enthusiastic about mo... Read More
Summer 2025 Updates: Visa Rolls Out CEDP and VAMP Summer 2025 Updates: Visa Rolls Out CEDP and VAMP By Dr. Nigel Jewell & Lisa Lloyd April 2025 saw the launch of two new Visa initiatives: the Visa Commercial Enhanced Data Program (CEDP) and the Visa Acquirer Monitoring Program (VAMP). Each involves important modernizations to legacy programs and includes key changes that both merchants and acquirers need to understand.  CEDP ... Read More
How SaaS Platforms Can Streamline Merchant Account Management How SaaS Platforms Can Streamline Merchant Account Management By Luis Peña & Darryl Cumming Once your merchants are onboarded, accepting payments, and receiving payouts, there’s one more essential piece of the puzzle: ongoing account management. Businesses are constantly evolving — merchants may need to update account details, adjust their services, track transactions, request support,... Read More
Merchant Payouts: Ensuring a Smooth Flow of Funds for Your SaaS Platform Merchant Payouts: Ensuring a Smooth Flow of Funds for Your SaaS Platform By Luis Peña & Darryl Cumming You’ve onboarded your merchants and set them up to accept payments — but what happens next? Getting paid. For software providers offering embedded payments, payouts are a critical part of the merchant experience. If funds don’t flow smoothly and predictably, it can lead to frustration, support i... Read More
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NMI Survey: Why SaaS Platforms Can’t Ignore the In-App Payment Shift NMI Survey: Why SaaS Platforms Can’t Ignore the In-App Payment Shift By Peter Galvin In our last consumer survey, we looked at some of the payment trends shaping how people shop and pay in 2025. Now, we’re digging into how people feel about embedded software payments — one of the industry’s fastest-growing areas today. We talked to 1,000 U.S. consumers to learn how often they us... Read More
Top 8 Benefits of Offering Tap to Pay to Your Merchants Top 8 Benefits of Offering Tap to Pay to Your Merchants By Kanan Keeney Contactless payments are table stakes these days. But, dedicated contactless payment terminals are often expensive, bulky, barely portable and difficult to troubleshoot. For small businesses, those headaches have been something they have had to just put up with. But, not anymore! Tap to pay sol... Read More
Enabling Payment Acceptance: A Must-Know Journey for Software Platforms Enabling Payment Acceptance: A Must-Know Journey for Software Platforms By Luis Peña & Darryl Cumming Once your merchants are onboarded, the next big question is: How do they actually start accepting payments? Whether they’re selling online, in-store, or through mobile apps, a seamless payment experience is crucial — not just for moving money but for creating a frictionless customer journey that ... Read More
Why Your Payment Flow Might Be Driving Users Away — and What To Do About It Why Your Payment Flow Might Be Driving Users Away — and What To Do About It By Phillip Goericke Monetizing payments is a game-changer for software platforms. What used to be a cost center can now drive real revenue, but only if you approach it in the right way. How you design the payment experience matters; the decisions you make can directly affect how users interact with your software — a... Read More
Merchant Onboarding for SaaS Payments: Simplify, Streamline and Scale Merchant Onboarding for SaaS Payments: Simplify, Streamline and Scale By Luis Peña & Darryl Cumming If you’re a modern software provider, offering embedded payment processing is a must — especially if your clients include small- and medium-sized businesses. By offering built-in payment processing, you are able to monetize every transaction that flows through your software and unlock new revenue... Read More
Trends in U.S. EV Charging and the Growing Opportunity for Payments Companies Trends in U.S. EV Charging and the Growing Opportunity for Payments Companies By Pete Alcock Electric vehicle (EV) charging stations are popping up across the U.S. faster than ever — driven by surging EV adoption and a push from both the industry and government to build a charging network that can support drivers anywhere they go. Since 2020, publicly available EV chargers have doubled ... Read More
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