Fintech Trends & Insights

Blog

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

Enabling Payment Acceptance: A Must-Know Journey for Software Platforms Payment Platform 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 keeps them coming back. In this second part of our series on SaaS merchant journeys, we’ll dive into payments acceptance — the process of enabling your clients to take card and digital payments from ... Read More
Why Your Payment Flow Might Be Driving Users Away — and What To Do About It Embedded Payments 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 — and whether they stick around or drop off before completing a key action. In this article, we’ll dig into how payment integration can impact user drop-off: where it tends to happen, what might be caus... 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 streams. All while delivering a seamless, all-in-one user experience. When payments are embedded directly into your platform, merchants can: Accept payments and track analytics from a single das... 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 across the United States. While that growth is impressive, it hasn’t kept up with the rising demand for EVs themselves.  In 2025, American drivers now have their choice of 82 different EV models — al... 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
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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
Build vs. Buy: The Complexities of Building Underwriting Software Build vs. Buy: The Complexities of Building Underwriting Software By Darryl Cumming In our previous article on build vs. buy, we explored the “four C’s” of customer relationship management software — cost, completeness, compliance and cohesion. In this article, we’ll look at a different, but equally important type of software for companies taking on merchant risk: automated unde... Read More
Feature-Rich Platforms Are Winning in Today's Software Market: Here's How Feature-Rich Platforms Are Winning in Today's Software Market: Here's How By Phillip Goericke The business-to-business (B2B) software space is getting more competitive. While there are more tools available than ever before, companies are increasingly looking to use fewer platforms — they want software that integrates a broad range of functionalities, centralizes tasks and maximizes their ... Read More
The Benefits of Getting MIDs Directly From Your Payments Technology Partner The Benefits of Getting MIDs From Your Payments Technology Partner By Michelle Kosir Every business accepting direct credit card payments has a merchant account and an associated merchant identification number (MID) — a 15-digit code that identifies them to their acquirer. Traditionally, a business would receive its merchant account and MID (or MIDs) from a payment service provi... Read More
SoftPOS vs mPOS: Tap to pay solutions SoftPOS: The Next Evolution in Convenient Mobile Payment Systems By Kanan Keeney Convenience and affordability are two of the most important factors merchants look for in payment systems. Software point-of-sale (SoftPOS) applications — an emerging mobile payment solution — offer both. Like mobile point-of-sale (mPOS) systems, SoftPOS systems turn any phone or Android tablet ... Read More
BNPL & FICO Scores BNPL Will Soon Impact FICO Scores — What Will It Mean? By Kate Hampton In February 2025, FICO announced the development of a new system that incorporates buy now, pay later (BNPL) data into consumers’ credit scores. This system, which the company is preparing to roll out, marks the first big step into standardizing BNPL reporting — and closing the gap in how buyers ... Read More
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