Fintech Trends & Insights

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

3 Ways To Streamline Software Integration and Monetize Payments Payment Platform 3 Ways To Streamline Software Integration and Monetize Payments By Luis Peña Self-service is a cornerstone of modern software integration. For Software-as-a-Service (SaaS) platforms looking to embed payments and start generating revenue from their transaction flows, payment partners that offer self-service integration and sign-up make the process easier and more flexible by allowing teams to explore, test and launch on their own terms. Let’s explore how self-serve payment integration enables you to start processing payments and earning revenue faster by: Accelera... Read More
Why Your Residuals Management Should Be Automated Why Your Residuals Management Should Be Automated By Jaron Ruckman Residuals — the income on the processing fees earned by payment resellers — make the payments world go round, and managing them is a critical task for independent sales organizations (ISOs), payment facilitators (PayFacs) and other industry professionals. Traditionally, calculating and managing residuals was a grueling, time-consuming and resource-intensive process. But, automation and technology are now changing things for the better. How you manage residuals affects everything — from agent... Read More
Fake Merchants, Real Losses: Identity Swap Merchant Fraud Explained Fraud Prevention Fake Merchants, Real Losses: Identity Swap Merchant Fraud Explained By Melissa Peirano Fraud is a constant threat in payments. Most people tend to focus on buyer-side threats — chargeback abuse, card spinning and stolen credit card payments — that hurt honest merchants. But fraud committed by merchants is just as dangerous, especially for the acquirers who end up responsible for the losses.  In this article, we look at one of the most commonly attempted types of merchant fraud: identity swaps. Identity swap fraud is where fraudsters try to sign up for a merchant account while... Read More
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
3 Ways To Streamline Software Integration and Monetize Payments 3 Ways To Streamline Software Integration and Monetize Payments By Luis Peña Self-service is a cornerstone of modern software integration. For Software-as-a-Service (SaaS) platforms looking to embed payments and start generating revenue from their transaction flows, payment partners that offer self-service integration and sign-up make the process easier and more flexible ... Read More
Why Your Residuals Management Should Be Automated Why Your Residuals Management Should Be Automated By Jaron Ruckman Residuals — the income on the processing fees earned by payment resellers — make the payments world go round, and managing them is a critical task for independent sales organizations (ISOs), payment facilitators (PayFacs) and other industry professionals. Traditionally, calculating and managing r... Read More
Fake Merchants, Real Losses: Identity Swap Merchant Fraud Explained Fake Merchants, Real Losses: Identity Swap Merchant Fraud Explained By Melissa Peirano Fraud is a constant threat in payments. Most people tend to focus on buyer-side threats — chargeback abuse, card spinning and stolen credit card payments — that hurt honest merchants. But fraud committed by merchants is just as dangerous, especially for the acquirers who end up responsible for th... Read More
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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
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
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