Welcome to the Blog.

Information on everything from payment facilitators and fintech to improving your client experience and hacks for business growth.

Underwrite & Monitor Merchants Directly From Your CRM
Blog

Underwrite & Monitor Merchants Directly From Your CRM

Imagine if your underwriting and sales teams could seamlessly share data in just a few clicks - transforming back office…
National Processing Video Testimonail

4 Industry Insights from the CEO of National Processing

One of the biggest challenges for National Processing, a nationally regarded merchant services company, was ensuring that the organization could…
Merchant Onboarding Process Flow Chart
Blog, Infographic

A Merchant Onboarding Process Flow Chart to Streamline Approvals

Merchant onboarding is one of the most important parts of the payments ecosystem, which is why we have laid out…
ISO vs ISV - Complete Guide
Blog

ISO vs ISV - What’s the Difference?

They may be only one letter apart, but there’s a big difference between an ISO and an ISV. Traditionally, Independent…
Valmar Merchant Services Increased Onboarding Speed by 8x with Agreement Express
Blog, Case Study

Valmar Merchant Services Increased Onboarding Speed by 8x with Agreement Express

Wowing their merchants is a core value for payment processor Valmar Merchant Services. Laser-focused on their client’s needs, the market-leading…
Avidia launches Agreement Express
Press Release

Avidia Bank Launches Merchant ScanXpress to Scale their SBO Business

July, 2022, Vancouver, Canada — Agreement Express, the leading client onboarding and underwriting platform for current and emerging leaders in…
underwriting reporting
Blog

Data: The Competitive Advantage of Automated Underwriting

It's common knowledge that automation brings scale and efficiency to the bottom line. However, what is often overlooked is the…
switching from retail to wholesale iso
Blog

Making the Move: Switching From Retail to Wholesale ISO

Independent Sales Organizations (ISOs) operate by a simple formula - they find and service merchants for payment processors, earning a…
Payliance Case Study
Case Study

Payliance Fuels Two Channels with Merchant ScanXpress

In this age of agility, Payliance offers merchants proper tools to maintain their competitive advantage by offering both extensive expertise…
Portfolio Risk Monitoring
Blog

Protect Your Portfolio: The 4 Must-Haves of Risk Monitoring

Written by: Darryl Cumming, Director of Product Portfolio risk monitoring is a necessity for every payment processor, especially now given…
A Complete Guide to Ongoing Merchant Monitoring
Blog

A Complete Guide to Ongoing Merchant Monitoring

Table of Contents Introduction How Merchant Monitoring Protects Your Business Why Merchant Portfolio Management is Crucial to the Success of…
How Agreement Express’s Payment Integrations Can Ignite Your Business
Blog

How Agreement Express’s Payment Integrations Can Ignite Your Business

There’s a lot of payment software out there. All offering merchant acquirers and payment processors different solutions to different challenges.…
CMS Case Study
Case Study

CMS Cut Merchant Approvals From Hours to Minutes With Merchant ScanXpress

Complete Merchant Solutions (CMS) isn’t just a leading provider of tech-enabled payment processing solutions, it’s also one of the fastest…
8 Ways Workspace Boosts Business with Agreement Express
Blog

8 Ways Workspace Boosts Business with Agreement Express

Are you struggling to meet your company’s objectives? The Agreement Express Workspace is the secret sauce you need to crush…
10 Things Your Merchants Hate About You
Blog

10 Things Your Merchants Hate About You

The payments industry doesn’t stand still. Buoyed by advances in technology, growing consumer appetite for digital solutions, and a shift…
The Great Resignation - If You’re Losing Underwriters We Can Help
Blog

The Great Resignation - If You’re Losing Underwriters We Can Help

With the pandemic prompting many of us to reevaluate our careers, workplaces across North America are facing a labor shortage,…
Merchant Fraud Is On The Rise - Learn The 3 Most Common Scams
Blog

Merchant Fraud Is On The Rise - Learn The 3 Most Common Scams

Merchant fraud is nothing new, but a recent spike in financial crime has industry experts sounding the alarm. In a…
Merchant_Bust_Out_Fraud
Blog

Merchant Bust Out Fraud Explained

By David O'Brien, CEO of Agreement Express “As far back as I can remember, I always wanted to be a…
Reduce Risk And Accelerate Approvals With Know Your Customer (KYC) 
Blog

Reduce Risk And Accelerate Approvals With Know Your Customer (KYC) 

In the world of finance, knowing your customers means more than figuring out what brands they prefer, or how often…
Accelerate Time to Board and Reap Rewards
Blog

Accelerate Time to Board and Reap Rewards

You’re Ignoring Revenue if You’re Not Using Automated Scorecards   As a PayFac, growing your revenue depends on a number…
Know your customer KYC Pandora Papers
Blog

Know Your Customer: How the Pandora Papers Impact Global Money Laundering

In September of 2021 a massive leak of nearly 12 million documents exposed hidden wealth, tax avoidance, and money laundering…
FAQ: Software Implementation, Digital Adoption, and Payments Software Vendors
Blog

FAQ: Software Implementation, Digital Adoption, and Payments Software Vendors

Underwriters need the best software, but choosing the right tools is only the first step. You’ll achieve the maximum benefits…
Fast and Flashy: Successful Merchant Onboarding Needs Both Speed and Design
Blog

Fast and Flashy: Successful Merchant Onboarding Needs Both Speed and Design

The merchant onboarding process is the beginning of the merchant’s journey with your company. Merchant onboarding has a strong influence…
ISO merchant services
Blog

Why Your ISO/ISV Isn’t Satisfying Merchants and How to Fix It

As an ISO or ISV, your role inherently involves merchants. Therefore, the merchant experience is an integral part of the…
payment processors
Blog

Payment Gateways vs. Payment Processors: Key Differences

If you’re in the business of accepting credit and debit card transactions, then you work with or have a payment…
underwriter risk scorecard
Blog

6 Benefits that Revolutionize Risk Scoring for Underwriters

There are many benefits you can access by achieving better risk-scoring merchant underwriting. The key to accessing these benefits lies…
Has Stripe Lost its Focus on Merchant Processing? 
Blog

Has Stripe Lost its Focus on Merchant Processing? 

Stripe has been considered a pre-eminent merchant payment processor practically since the company was publicly launched in September 2011. However,…
What BNPL Means to Your Merchant Onboarding Process
Blog

What BNPL Means to Your Merchant Onboarding Process

Forward-thinking Payment Service Providers (PSPs) are constantly adding products to attract new merchants as the digital payments industry continues to…
merchant acquirer
Blog

4 Industry Tips to Stay Ahead as a Merchant Acquirer

What is a Merchant Acquirer? The term 'merchant acquirer’ has the intended use of referring to an acquiring bank, or…
payment facilitation
Blog

Digitize or Lose to Competitors: The 2022 Guide to Payment Facilitation

Payment Facilitators are the talk of the town in the payments industry.  It seems that every other business in the…
merchant underwriting
Blog

Ultimate Guide to Digital Underwriting

As a payment facilitator, you’re assuming liability for your merchant accounts. Similarly, as the acquiring bank is underwriting your operation,…
merchant onboarding
Blog

4 Ways to Automate Business Practices Using Fintech

The hyper-fast evolution of technology over the past decade has allowed businesses large and small to leverage the most powerful…
payment facilitator
Blog

Ways to Stay Competitive as a PayFac, Even if Business is Booming

Table of Contents Introduction What Does PayFac Mean? How Do Merchant Services Work? Whats to Stay Competitive as a PayFac…
merchant onboarding
Blog

What Encompasses the Merchant Experience?

The payments industry has a need for speed. A precedent has been set with the likes of Stripe and Square…
merchant software
Blog

Merchant Software Guide: Cost Center or Revenue Generator?

Every time a revolutionary new idea hits the market, there is doubt that instantly follows; suspicion about whether the innovative…
Happy business woman with coffee at work
Blog

Reorganize Your Strategy with a BNPL Payment Solution

Arguably the single biggest market disruptor in terms of digital payments and online retail sales in 2021 has been the…
Boost Your Signal-to-Noise Ratio with Automated Underwriting
Blog

Boost Your Signal-to-Noise Ratio with Automated Underwriting

Signal-to-noise ratio tells you the strength of a desired signal in comparison to the level of “noise,” in this sense…
risk scorecard|risk scorecard
Blog

The Automated Risk-Based Scorecard and How it Works

Without merchants, payment processors might as well close up shop; they have no reason to be in business.  That’s why…
b2b payment processing
Blog

B2B Payment Processing: The Importance of Digitizing Your Services

Contrary to what its name might suggest, business-to-business payment processing begins before any money is ever actually moved. In fact,…
beneficial ownership rule|FinCEN Final Rule timeline|
Blog

Beneficial Ownership Rule: Overview & Best Practices

Anti money-laundering (AML) and Know Your Customer (KYC) requirements form the critical underpinning of financial regulation. In recent years, there…
bank efficiency ratio|Efficiency Ratio Infographic
Blog

Wealth Management: Achieving a Low Bank Efficiency Ratio

Bank of America crossed $1 trillion in assets under management for the first time in its history in Q3 2017.…
payment compliance
Blog

The Importance of Payment Compliance: What You Need to Know About Your Risk

The term “compliance” can give a feeling of being forced to abide by a set of rules or orders, despite…
payment facilitators||
Blog

How Do Payment Facilitators Work? What You Need to Know in the Age of Innovation

The payments industry is both vast and complex. When you think of search engine technology, one rises above the rest:…
Gain an Advantage in the Competitive Underwriting Space
Blog

Gain an Advantage in the Competitive Underwriting Space

The team at PYMNTS spoke with Agreement Express CEO David O'Brien to gain greater insight on the changes the pandemic…
The Irreversible Rise of Digital Transformation
Blog

The Irreversible Rise of Digital Transformation

The constant evolution of payments has dramatically accelerated in less than two years. For a decade, the digital payments industry…
Underwriting Automation
Blog

Underwriting Automation: Better to Build or Buy?

The payments industry is continuously changing and evolving. Whether you’re a payment facilitator or independent software vendor (ISV), your risk…
Frictionless Payment Experience
Blog

The 3 Essential Keys to a Frictionless Payment Experience

The last year has since an unprecedented shift towards digital technologies in all walks of life, including payment processing and…
Underwriting Drives New Business
Blog

Higher Speed, Same Controls: How Automated Underwriting Drives New Business

One of the best things about automated underwriting is how it gives human skill and judgment its proper due. Human…
The Key to Financial Success in 2021: Tailor-Made Risk Management
Blog

The Key to Financial Success in 2021: Tailor-Made Risk Management

You’re agile, resilient, and prepared for the future! Coming out of a taxing year, that is you! But can you…
PayFacs Accelerating the Digital Appetite of Businesses
Blog

PayFacs Accelerating the Digital Appetite of Businesses

Written by: Carmen Ballard, VP of Customer Success at Agreement Express Treat the business you want like they have the…
The Perils of Building Your Own Underwriting Automation Solution
Blog

The Perils of Building Your Own Underwriting Automation Solution

The payments industry is continuously changing and evolving. Whether you’re a payment facilitator or independent software vendor (ISV), your risk…
Powering Transformation: Merchant Speed & Adaptability
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Powering Transformation: Merchant Speed & Adaptability

The evolution of payments has the greatest potential to transform the consumer shopping experience. Paradoxically, this transformation will take place…
Safe at Top Speed: Faster Approvals Without Adding Risk
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Safe at Top Speed: Faster Approvals Without Adding Risk

Payment facilitators that can reduce underwriting review and offer faster merchant approval typically increase their revenue, sometimes dramatically. However, they…
Jen's Top 5 Tips to Getting Excited about Adoption
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Jen's Top 5 Tips to Getting Excited about Adoption

Jen MacDonald, a Customer Success Specialist at Agreement Express, has seen it all. With four years of experience in software…
Take Risk with Confidence: Automating Payfac Underwriting
Blog

Take Risk with Confidence: Automating Payfac Underwriting

Merchant acquirers and payment service providers (PSPs) have a common challenge. Growing the business requires onboarding merchants. More merchants means…
Increasing Payments Revenue: Expand Your Piece of the Pie
Blog

Increasing Payments Revenue: Expand Your Piece of the Pie

Technology holds tremendous potential to transform the payment space. The right kind of automation is the key to unlocking this…
A Path to Digital Customer Onboarding
Blog

A Path to Digital Customer Onboarding

Written by: Carmen Ballard, VP of Customer Success & Support at Agreement Express At Agreement Express, we have found ourselves…
3 Guidelines: Digital Readiness In The Age of COVID-19
Blog

3 Guidelines: Digital Readiness In The Age of COVID-19

The entire world is united in facing a new reality of quarantining and remote work as we collectively go through…
How Agreement Express & Visa are Partnering to Change the Payments Industry
Case Study

How Agreement Express & Visa are Partnering to Change the Payments Industry

The number one trend in the financial industry today is the emergence of technology firms in the payments sector. Fintech…
New Straight-Through Processing With TD Ameritrade Will Vastly Improve Client Onboarding Experience
Case Study

New Straight-Through Processing With TD Ameritrade Will Vastly Improve Client Onboarding Experience

Agreement Express is an official technology solution on the Veo Open Access® platform from TD Ameritrade Institutional. This critical integration…
Approval Automation as a Tool for Merchant-Acquiring Business Growth
Blog

Approval Automation as a Tool for Merchant-Acquiring Business Growth

PAC-MAN™ was never a very realistic game. He would eat and eat and eat but never get any bigger. The…
Turn Onboarding Operations Into a Client-Centric Experience
Blog

Turn Onboarding Operations Into a Client-Centric Experience

Today, consumers expect the same experience from their wealth management firms as they have with BigTechs. According to the Capgemini…
Speed: The Most Important Aspect of the Customer Approval Process
Blog

Speed: The Most Important Aspect of the Customer Approval Process

Anyone who has opened a merchant bank account can attest that the client approval process is slow and complex. As…
Improving Client Onboarding: Wealth Management
Blog

Improving Client Onboarding: Wealth Management

It is becoming less of a secret how important the client onboarding process is in wealth management, both for the…
Your Firm Will Lose the Next Generation: Exploring Multi-Generational Wealth
Blog

Your Firm Will Lose the Next Generation: Exploring Multi-Generational Wealth

“We all know millennials are on the radar. There is no question, it’s one of the largest transfers of wealth…
Payment Packages and Efficiency: Key Differentiators
Blog

Payment Packages and Efficiency: Key Differentiators

Traditional payments organizations have new competition. It’s not just Square and Stripe, it’s companies like Shopify and PayPal’s Business in…
Digital Transformation is More than Just Automation
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Digital Transformation is More than Just Automation

As disruptive technologies increase in prevalence within wealth management, traditional firms face a growing need for meaningful digital transformation. While…
10 Ways Your Competitors Are Accelerating AUM With Digital Onboarding
Blog

10 Ways Your Competitors Are Accelerating AUM With Digital Onboarding

Opening new accounts or transitioning client assets - or advisors - to your firm can be time consuming. And any…
Introducing One-Click Account Opening Direct To TD Ameritrade Institutional
Case Study

Introducing One-Click Account Opening Direct To TD Ameritrade Institutional

  TD Ameritrade Institutional and Agreement Express Collaborate to Simplify Customer Onboarding Agreement Express is excited to announce a new…
Six Tips to Drive Merchant Applications
Blog

Six Tips to Drive Merchant Applications

If there’s one thing that prevents merchants from signing up for payments offerings, it’s the application process. With hundreds of…
Building the RIA Platform of the Future
Blog

Building the RIA Platform of the Future

Wealth management technology continues to evolve at a lightning-quick pace, but as an advisor, it can be overwhelming to wade…
One-Click to Merchant Acquiring: It’s not just about checkout
Blog

One-Click to Merchant Acquiring: It’s not just about checkout

In acquiring, the merchant onboarding process is often rendered into bits and bytes. A digital forms solution here, an eSignature…
Why payment packages and efficiency are key differentiators today
Blog

Why payment packages and efficiency are key differentiators today

Traditional payments organizations have new competition. It’s not just Square and Stripe, it’s companies like Shopify and PayPal’s Business in…
The Truth Behind Merchant Underwriting Automation Failure
Blog

The Truth Behind Merchant Underwriting Automation Failure

  Real-time Approvals for the Modern Merchant Offering same-day merchant approvals, or even doing so within minutes, has become table…
With Beneficial Owners, How Well Do You KYC?
Blog

With Beneficial Owners, How Well Do You KYC?

Anti money-laundering (AML) and Know Your Customer (KYC) requirements form the critical underpinning of financial regulation. In recent years, there…
Rules of engagement: How to turn onboarding operations into a client-centric experience
Blog

Rules of engagement: How to turn onboarding operations into a client-centric experience

Recent Accenture research revealed that 40-60 percent of today’s onboarding tasks could be automated with digital technologies1. Many wealth management…
5 Questions Every Operations Team Should Ask About Client Onboarding
Blog

5 Questions Every Operations Team Should Ask About Client Onboarding

There’s a good chance your wealth management firm already has a detailed process in place for onboarding clients into your…
Agreement Express Partners With Frontier Capital to Accelerate Vision for Digital Onboarding
Blog

Agreement Express Partners With Frontier Capital to Accelerate Vision for Digital Onboarding

This morning we announced a significant growth equity investment in Agreement Express made by Frontier Capital. The investment will aid…
How payment facilitators will continue to disrupt the acquiring market in 2018
Blog

How payment facilitators will continue to disrupt the acquiring market in 2018

Square, Stripe, and PayPal have become the poster children for the new acquiring era of payment facilitation. Less than ten…
3 WealthTech Insights from the 2017 Schwab IMPACT Conference
Blog

3 WealthTech Insights from the 2017 Schwab IMPACT Conference

Three things we learned about WealthTech at IMPACT 2017 This month the Agreement Express team attended the Charles Schwab Conference…
CX Craze: Merchant Experience is the New Customer Experience
Blog

CX Craze: Merchant Experience is the New Customer Experience

Customer experience, or as it’s more commonly known these days, “CX”, has been a hot payments trend for the last…
The Ultimate Summary of Money 20/20 2017
Blog

The Ultimate Summary of Money 20/20 2017

Money20/20 Las Vegas has become a keystone event for the financial services industry. Game-changing announcements are made every year and…
Wealth Management: Banking’s silver bullet or an operational money pit?
Blog

Wealth Management: Banking’s silver bullet or an operational money pit?

Bank of America crossed $1 trillion in assets under management for the first time in its history in Q3 2017.…
In|Vest Conference Recap: Customer Experience, Broker Transitions the Competitive Advantage for Wealth Management Firms
Blog

In|Vest Conference Recap: Customer Experience, Broker Transitions the Competitive Advantage for Wealth Management Firms

Last week Agreement Express hit the main stage at InVest to debut the latest addition to our platform, Automated Broker…
Agreement Express Named One of the Top 100 Tech Companies in British Columbia
Blog

Agreement Express Named One of the Top 100 Tech Companies in British Columbia

Recently, we were ranked one of the top 100 tech companies in B.C. according to research conducted by Business in…
Vendor Evaluation Checklist for Merchant Onboarding
Blog

Vendor Evaluation Checklist for Merchant Onboarding

Payments organizations are under pressure to change their traditional processes for at least two reasons: margins are increasingly small due…
The State of Fintech and Financial Services
Blog

The State of Fintech and Financial Services

The relationship between Fintech and financial institutions (FIs) is in its third wave, according to Jeff Gido, Goldman Sachs's Global…
The Digital Future of Wealth Management Firms
Blog

The Digital Future of Wealth Management Firms

Wealth Management has become a client-driven industry, with advisors increasingly considered a value-add rather than irreplaceable gatekeeper. As wealth management…
What do wealth clients want, and how can firms deliver?
Blog

What do wealth clients want, and how can firms deliver?

What do wealth clients want, and how can firms deliver? What is the hallmark of a best-in-class advisor? What separates…
The Brexit Effect: How to find opportunity in uncertainty
Blog

The Brexit Effect: How to find opportunity in uncertainty

Article 50 was enacted on March 29, 2017, and although the UK won't officially leave the EU until April 2019,…
Comply, Compete & Pave the Way
Blog

Comply, Compete & Pave the Way

While the enforcement mechanisms associated with the DOL Fiduciary Rule are still in flux, it’s apparent that a fiduciary standard…
Meet The Experts: Software Advice
Blog

Meet The Experts: Software Advice

For our latest Meet The Expert column we consulted Market Research Analysts from leading software review site, Software Advice. Craig…
Multi-Generational Wealth: Why Your Firm Will Lose the Next Generation
Blog

Multi-Generational Wealth: Why Your Firm Will Lose the Next Generation

“We all know millennials are on the radar. There is no question, it’s one of the largest transfers of wealth…
Meet the Experts: KYC SiteScan
Case Study

Meet the Experts: KYC SiteScan

In our new series, Meet the Experts, we interview top industry influencers and innovators who are shaping the future of…
Fintech 2016 Year In Review
Blog

Fintech 2016 Year In Review

2016 was a roller coaster year for the financial services industry. The Brexit vote and the election of Donald Trump…
The Single Biggest Threat to Banking
Blog

The Single Biggest Threat to Banking

What is the single biggest threat to the financial services industry? Agreement Express CEO Mike Gardner has publicly stated (most…
The most important aspect of the customer onboarding process
Blog

The most important aspect of the customer onboarding process

Anyone who has opened a merchant bank account can attest that the client onboarding process is slow and complex. As…
The Ultimate Summary of Money 20/20 2016
Blog

The Ultimate Summary of Money 20/20 2016

Money20/20 Las Vegas has become a keystone event for the payments industry.  Industry-changing announcements are made every year and the…
Straight Through Processing (STP) for Merchant Onboarding
Blog

Straight Through Processing (STP) for Merchant Onboarding

Recent research by Capgemini and MIT has found that “old-world operators with traditional processes” are losing to competitors with faster,…
Becoming a Digital Wealth Firm: The Client-Advisor Experience
Blog

Becoming a Digital Wealth Firm: The Client-Advisor Experience

This is Part 4 in a series called “Becoming a Digital Wealth Firm”. You can read Part 1 here. In…
Becoming a Digital Wealth Firm: Compliance
Blog

Becoming a Digital Wealth Firm: Compliance

In Part 1 and Part 2 of this blog series “Becoming a Digital Wealth Firm”, we covered the basics of why…
Becoming a Digital Wealth Firm: Back-Office
Blog

Becoming a Digital Wealth Firm: Back-Office

This is Part 2 in a series called “Becoming a Digital Wealth Firm”. You can read Part 1 here.  …
Becoming a Digital Wealth Firm: Introduction
Blog

Becoming a Digital Wealth Firm: Introduction

The wealth management industry has long been a paper-based, face-to-face industry. Every industry has an “innovation threshold”, to borrow a…
Opening New Accounts is Exhausting Your Clients and Your Advisors
Blog

Opening New Accounts is Exhausting Your Clients and Your Advisors

Opening a new account at a wealth management firm can be exhausting. After a client establishes their financial goals with…
Agreement Express Named Top 25 Fastest Growing Companies in British Columbia
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Agreement Express Named Top 25 Fastest Growing Companies in British Columbia

Agreement Express has been announced as one of the Top 100 Fastest Growing Companies in British Columbia, according to research…
Merchant Acquiring Lessons Learned from the 2008 Mortgage Crisis
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Merchant Acquiring Lessons Learned from the 2008 Mortgage Crisis

Much ink has been spilled about the 2008 Mortgage Crisis. In the U.S, $10 billion dollars worth of subprime mortgages…
How to Respond to the Robo Advisor Threat
Blog

How to Respond to the Robo Advisor Threat

Since the industrial revolution, there has always been a sense of fear with every new technology. Some of that fear…
Meeting the Rising Client Expectations in Wealth Management
Blog

Meeting the Rising Client Expectations in Wealth Management

  In financial services, “closing the deal” can mean up to a month of sending paperwork back-and-forth. Some firms are…
Strategies for Improving Client Onboarding in Wealth Management
Blog

Strategies for Improving Client Onboarding in Wealth Management

It is becoming less of a secret how important the client onboarding process is in wealth management, both to the…
What is the Key to Merchant Acquiring Growth?
Blog

What is the Key to Merchant Acquiring Growth?

Why Onboarding Automation is the Key to Merchant Acquiring Growth Pac-Man was never a very realistic game. He would eat…
Beyond Digital Signature in Wealth Management
Blog

Beyond Digital Signature in Wealth Management

If you want to solve a client onboarding problem in your organization, digital signature by itself isn’t going to cut…
DOL Fiduciary Compliance: Start with Client Onboarding
Blog

DOL Fiduciary Compliance: Start with Client Onboarding

  Compliance with the New Fiduciary Rule doesn't have to a painful process; it's an opportunity to take a look…
The Dangers of Integrated Systems
Blog

The Dangers of Integrated Systems

Rube Goldberg (1883 - 1970) was a genius cartoonist whose enduring legacy is the concept of the hilarious Rube Goldberg…
Highlights from the Webinar: “How to Open More Merchant Accounts”
Blog

Highlights from the Webinar: “How to Open More Merchant Accounts”

We had a huge response to our webinar “How to Open More Merchant Accounts in Less Time” with some of…
Part Two: The Merchant Acquirer’s Guide to Onboarding More Merchants
Blog

Part Two: The Merchant Acquirer’s Guide to Onboarding More Merchants

This is the second part in a two-part series on how Merchant Acquirers and ISOs can keep up with the…
Agreement Express Continues Global Expansion With Latest Office Opening in Toronto
Blog

Agreement Express Continues Global Expansion With Latest Office Opening in Toronto

TORONTO, ON--(Marketwired - June 02, 2016) - Agreement Express, leading onboarding automation software for the financial services industry, announced today…
Part One: The Merchant Acquirer’s Guide to Onboarding More Merchants
Blog

Part One: The Merchant Acquirer’s Guide to Onboarding More Merchants

  This is part 1 of a 2-part series on how Merchant Acquirers and ISOs can keep up with the…
The False Security of Legacy Systems: Why Fintech May Not Be Your Biggest Threat
Blog

The False Security of Legacy Systems: Why Fintech May Not Be Your Biggest Threat

Fintech innovators are at your door, vying for your customers and business, but your real threat lies within your own…
How to Implement a Paperless Client Onboarding Process in Wealth Management
Blog

How to Implement a Paperless Client Onboarding Process in Wealth Management

A how-to guide for integrating paperless onboarding into your wealth management firm.        The nuts and bolts of…
3 Proven Advantages of Paperless Onboarding in Wealth
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3 Proven Advantages of Paperless Onboarding in Wealth

  This is the second part of a three part series on “How to create a paperless onboarding platform in…
3 Obstacles Created by Paper-Based Onboarding in Wealth Management
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3 Obstacles Created by Paper-Based Onboarding in Wealth Management

  How wealth management firms are suffering due to out of date onboarding systems.   Note: This is Part 1…
Blog

3 Reasons Why Your Product and Compliance Integration is Costing You Money

Why failing to link product development with compliance is costing you more than you think.   Cost inefficiencies and value…
Blog

2016 CEB Financial Services Technology Summit Leveraging Technology to Earn Deep Relationships

What: 2016 CEB Financial Services Technology Summit When: April 20-22, 2016 Where: The Westin Boston Waterfront Hotel, Boston, MA Who:…
Blog

5 Practical Ways to Improve the Wealth Advisor Experience (And Decrease Defection)

Wealth management isn’t what it was ten years ago.   The introduction of robo-advisors and the growing use of online…
Blog

More Than a Concept: Blockchain is Already Changing the World

How NASDAQ, Samsung, and JP Morgan are currently integrating the revolutionary technology, and what that means for the rest of…
Fintech Disruption: The Insurance Industry is Next
Blog

Fintech Disruption: The Insurance Industry is Next

Why Insurance is the next industry to be disrupted, and what traditional insurance companies can do to keep up. The…
Blog

The Uberization of Wealth Management

The Uberization of Wealth Management Robo-Advisors and Beyond: Why you need to pay attention to Charles Schwab, BMO, and VanguardSome…
Disruptive Innovation for Merchant Acquirers: The Story of Square, Chinese Steel, and Amazon
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Disruptive Innovation for Merchant Acquirers: The Story of Square, Chinese Steel, and Amazon

What does Square, the Chinese Steel industry, and Amazon have in common? They’re all disruptors. But here’s the thing: Square’s…
Blog

3 Ways to Improve New Product Success and Customer Engagement

How to recover wasted resources in product development and client engagement According to the Harvard Business Review, uncertainty around the…
Blog

Better Merchant Experience = Stronger Bottom Line In Merchant Acquiring

How the customer experience in Merchant Acquiring impacts the bottom line. Analysts at McKinsey believe that payment processing is now…
Blog

How to Boost Underwriter Productivity and Gain Greater Visibility over Risk

  Increasing efficiency without compromising quality. According to the Institute of Management & Administration, costs are 20 times higher in…
Blog

Merchant Acquirers, Are You Ready for an Increase in Volume?

Three questions every CEO should ask themselves when preparing for a big increase in merchant processing volume. Merchant Acquiring is…
Blog

Three Strategies CEOs Employ to Cut Costs and Improve Efficiency

A Fine-Tooth Combed Approach to Analyzing Back-Office Processes No one likes to hear those dreaded words from their CFO, “we…
Blog

How to Make Customer Onboarding Scalable and Win

The right tech solutions to speed up your customer onboarding and make anti-fraud compliance easier – all in a scalable, future-resistant…
Blog

How You Manage Data Could Be Holding Back Your Merchant Acquiring Business

Growing a merchant acquiring business is top priority for leaders in product, operations, and compliance roles. Faced by the common challenge…
Blog

How the Top CEOs in Merchant Acquiring Are Growing Their Business

How three industry-leading CEOs invest in company growth while keeping costs low. If you take a look at the enormous…
Blog

Three Ways Merchant Acquirers Can Maximize Operational Efficiencies

As an Operations Professional at a merchant acquirer, you’re battling to improve operational efficiencies in uncertain times. Tech companies are…
Blog

Why Small & Medium Enterprises Fail to Leverage Technology in Their Risk Process

What SME’s can learn from Fortune 500 risk processes For SME’s, cloud-based productively tools are the second most important service…
Blog

3 Keys to A Successful Product Launch in Merchant Acquiring

According to the Harvard Business Review, uncertainty around a product launch of new products is an avoidable risk. The study found that…
Blog

Customer Experience Could Make or Break a Product Rollout

It’s no secret that customer experience has often taken the backseat to compliance for financial services organizations. These organizations want…
Blog

Top 3 Developments in Mobile Payments

It's no secret that the mobile payments space is expanding. With an expected reach of $4.7 trillion by 2019, every…
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Understanding the Implications of Recent Payment Regulations in the EU

On June 11th, 2014, we participated in PayExpo 2014 as a bronze sponsor and our VP of Banking and ePayments…
Square is coming for your best customers. Are you ready?
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Square is coming for your best customers. Are you ready?

When we caution acquirers, ISOs, and super ISOs about the storm brewing in the micro-merchant market we often hear the…
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Automated Underwriting, KYC, AUP and Financial Review Expert Panel at the Merchant Acquiring Committee 2014 [Live Blog - Part 1]

UPDATE: Check out the slides from Reed Clayton's segment of the panel presentation on "How To Build an Underwriting Team…
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The two merchant boarding metrics that will double your processing capacity

Efficient merchant boarding has become a competitive necessity for merchant processors. Low cost boarding and short processing timeframes have put…
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If you’re managing with Excel, you’re taking a big risk

Most organizations today have a pretty good grasp on their numbers thanks to IT systems collecting data that just 20…
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Streamline micro-merchant underwriting with personal credit scores

Are you looking for a way to make micro-merchants profitable? To make micro-merchants profitable, acquirers need to find a way…
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Make micro-merchants profitable with straight-through processing

Micro-merchants are the fastest growing market segment in electronic payments. They are estimated to grow to 20% of the total…
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Increase sales team effectiveness with digital account applications

This year a top-five acquirer increase their UK telephone centre close-ratios from 40% to 98% and decreased the sales cycle…
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Why your merchant banking customers may leave you for a competitor

The legendary ad man Jay Chiat once said, “You start losing a client the moment you get it.” Something similar…
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What Banks Can Learn from USAA's Client Engagement Strategy

There is often a lot to learn from the best. And when it comes to client engagement and client experience,…
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What wealth management firms can learn from Forrester's 2013 Customer Advocacy Report

This post is a continuation of our summary and commentary on Forrester Research’s report Customer Advocacy 2013: How Customers Rate…
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Customer advocacy drives revenue, but few financial institutions practice it

Forrester released their Customer Advocacy 2013 report for US banks, insurers, investment firms and credit card issuers in late June.…
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GoBank offers all it's services free via mobile banking

North America’s first mobile-only bank, GoBank, has ‘opened it’s doors’ to the public, and offers all it’s services to customers…
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ISOs must focus on customer experience to compete

At Recombo we keep a close eye on the merchant card industry because many of our customers are in electronic…
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Why Merchant Aggregators are moving to the forefront of the merchant payment industry

Merchant aggregators have existed for much of the last decade, yet only recently have they became the center of mainstream…
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Why speed is the most important aspect of the customer onboarding process

Anyone who has opened a merchant bank account can attest to the fact that slow and complex customer onboarding is…
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Generate word of mouth marketing with customer-centric onboarding

Customers of today are empowered by choices and information. If you are a marketing executive at a financial institution, how…
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Help your sales team sell more with rapid customer onboarding

Selling merchant services to small businesses is not an easy task. As a sales executive at a merchant processing bank,…
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Get the most out of your customer data with single customer view

Does your organization have a single customer view for customer data? If not, you should prioritize creating a centralized data…
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How to improve customer experience with single customer view

The BPM leaders that we work with are constantly trying to make their customer onboarding process more efficient. The first…
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Rapid Customer Onboarding, Build vs. Buy

If you are a BPM leader starting a new project to improve a customer onboarding business process, the first significant…
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3 ways smart process applications speed up customer onboarding

Business process management professionals looking for ways to strengthen their company’s bottom line should start by improving customer onboarding using…
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How customer onboarding can maximize customer lifetime value

Businesses that have long standing relationships with their customers miss-out on profits if they offer a poor customer onboarding experience.…
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The key to a great customer onboarding experience is well built forms

Providing customers with immediate feedback is one of the most important aspects of building a world-class customer onboarding experience. To…
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Develop world class customer onboarding strategies for large enterprise

Are you a senior sales executive at a merchant processor? Do you have a tailored customer onboarding strategy for your…
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Is paper damaging your customer experience and increasing your cost?

Paper forms are suppressing the true potential of customer onboarding at financial institutions by damaging customer experience and increasing cost.…
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Introducing 24/7 Support For Agreement Express Users

We are pleased to announce the launch of 24/7 support for users of Agreement Express! We are now open 24…
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How to develop a great customer onboarding strategy for small business

Developing a great onboarding strategy requires more than just improving business processes; it requires rethinking the whole business plan to…
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Does your customer experience suffer because you do not offer enough interaction choices?

Businesses today need to be mobile enabled because their customer experience depends on it. As computing enters the mobile age,…
Straight-through processing – the 15 second advantage
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Straight-through processing – the 15 second advantage

    Have you ever wondered what straight-through processing is? It's a business process type that financial institutions employ to…
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Rapid Customer Onboarding Makes Financial Sense

If you work in sales and marketing in the payment processing industry, chances are you’ve already heard of the recent…
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Customer onboarding can help payment processors build a competitive advantage [3 of 4]

Getting merchants to switch payment processing providers is not an easy task. Business owners today are more tech-savvy and well-informed…
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Watch out Goliath! Why payment processors shouldn't take Square's success lightly

Industry disruptors are enabled by their competition. They succeed because the industry leaders stand still as disrupters grow. Large companies…
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David the Disruptor... Oops, we meant Square

Square is disrupting the payment processing industry. Only a three-year-old payment processing startup, they now process more than $10 billion worth of transactions annually,…
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Business process re-engineering for financial services companies in three easy steps

The design of your onboarding processes determine the flow of information through your organizations which in turn determines how your…
Deutsche Bank reengineered their customer onboarding process to become more competitive
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Deutsche Bank reengineered their customer onboarding process to become more competitive

  “Transaction banking has traditionally been a “sticky” business with provider-client relationships often lasting many years. However thanks to a…
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How can payment processors compete with Square?

Have you ever heard a customer say - “It’s going to take two weeks before I can process payments?  Square can…
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How a global payment processor onboards customers in less than a day

Have you been thinking about making improvements to your business’s day-to-day processes? Have you thought about how you could improve…
Dominate Your Competition in Payments
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Dominate Your Competition in Payments

It’s no longer hip to be Square ... or Stripe. You can do better than both. There is no denying…
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HS TEST: New Straight-Through Processing With TD Ameritrade Will Vastly Improve Client Onboarding Experience (Clone)

Agreement Express is an official technology solution on the TD Ameritrade Veo Open Access® platform, which provides advisors with a…
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You’re Ignoring Revenue if You’re Not Using Automated Scorecards

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