Sean Clark

💡 The most profitable credit card programs don't rely on flashy offers. They align with customer needs. For community banks, sustainable and lucrative cardholder loyalty comes from: - Relevant rewards driven by insight - Embedded digital tools that increase daily usage - Ownership of data and economics through modern issuing models - Service, trust, and security that reduce attrition and build confidence CorServ enables community banks to move beyond generic Agent Bank structures and build issuing programs that strengthen relationships and fuel margin growth. Discover how to generate loyalty without sacrificing profitability in our new blog: https://lnkd.in/gywAm796 #issuing #banking #customerloyalty

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White-label partnerships are helping financial institutions bring payment solutions to market faster and with less risk. See how these collaborations are becoming a key strategy for monetizing B2B payments—especially for institutions that want to grow without building everything in-house. https://bit.ly/3FNdT2x

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With new services rushing in to fill a perceived gap in SMB banking service, banks can’t afford to hold back on innovation. SMBs are leaving traditional banks for fintechs that make it easier to manage money, pay bills, and keep track of expenses. Businesses need more than just a bank - they need tools that help run their finances smoothly and stay on top of operations. Pollinate gives banks the tools to deliver the services SMBs need, while keeping the trust and reliability only a bank can provide. #SMBSuccess #BankingInnovation #DigitalBanking https://lnkd.in/g5k3RBu9

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Setting up your ACE Portal and enrolling in ACH direct payments is one of the most effective steps an importer can take to reduce fees and improve cash flow.     Check out this step-by-step guide we created to make it easier to know how to tackle the process.     As always, Jaguar Freight is here to help! Feel free to reach out with any questions. #ACEPortal #DutyPayments #SupplyChainManagement #JaguarFreight

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🚀 Excited to introduce Instant Bank Connection, now live on Balance. Powered by RTP rails, this new capability removes adoption barriers for ACH payments. Buyers can now connect their bank accounts instantly using just routing and account numbers. Merchants get real-time payment confirmation, faster access to funds while reducing transaction costs, and the ability to fulfill with confidence. It’s a quick and easy way to get paid with ACH—bringing consumer-grade convenience to B2B commerce. Learn more on PYMNTS → https://lnkd.in/gbE_gtR9

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How does balance-checked ACH get your merchants paid faster? Balance-check queries the end user’s bank balance to make sure they have enough funds for the payment. If the end user doesn’t have enough funds to make the payment, we immediately decline the payment. This significantly reduces the likelihood of returns due to insufficient funds. Since insufficient funds is one of the most common causes of ACH returns, the overall risk of ACH returns goes down as well. With less risk, we can enable merchants on qualified platforms to get their money faster. Learn more 👉 https://lnkd.in/gb-4BzZ6

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Managing multiple payment rails is complex. Your payments strategy doesn’t have to be. ACBB provides centralized access to ACH, domestic wires, instant payments, cash letters, and international payment services, without the burden of managing multiple vendors or direct Fed connections. Gain flexibility, reduce operational friction, and support your customers’ evolving payment needs with one trusted partner. Learn how ACBB simplifies payment services for financial institutions: https://bit.ly/47P7Bdk

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ACH vs. Real-Time Payments vs. OCT/AFT: What’s the Difference? The #Payments ecosystem offers various methods for moving money. Let’s compare three critical systems and their unique advantages: 1️⃣ ACH Transfers: Speed: Typically processed in batches, taking 1-3 business days (or same-day for Same Day ACH). Cost: Low fees make it great for payroll, bill payments, and recurring transactions. Use Case: Ideal for everyday transfers like direct deposits and business-to-business payments. 2️⃣ Real-Time Payments (RTP): Speed: Instantaneous—funds are moved and settled in seconds, 24/7. Cost: Generally higher than ACH but lower than wire transfers. Use Case: Perfect for urgent, high-priority payments like real estate transactions or account-to-account transfers. 3️⃣ OCT (Original Credit Transactions) and AFT (Account Funding Transactions): Speed: Near-instant transfers initiated via payment networks like Visa Direct or Mastercard Send. Cost: Typically higher due to network fees but offer incredible speed and reach. Use Case: Great for payouts like refunds, gig economy payments, and instant cash disbursements. Understanding when to use ACH, RTP, or OCT/AFT can make all the difference in optimizing costs and efficiency in your payment strategy. 🎓 Want to master the nuances of these payment methods? 👉 Get FREE access to our Intro to Payments course at the Payments Academy and learn how these systems power the modern payments industry. Sign up now: https://lnkd.in/eMP95gJa #ACH #RealTimePayments #OCT #AFT #FinTech #DigitalPayments #PaymentsAcademy #ProfessionalDevelopment

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Capital One to acquire Brex in $5.15 Bn deal to expand business payments push “We started Brex in 2017 by inventing a new category of company that brings together financial services and software into one platform,” Pedro Franceschi, Brex’s founder and CEO, wrote on X. “Brex serves tens of thousands of businesses today, from one in three startups in the U.S. to some of the most important enterprises on the planet.” Read more :- https://lnkd.in/gWdpYw_3 #BankingInnovation #FinancialServices #FinancialTechnology #FintechAcquisition #FintechNews

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💸 FUNDING NEWS 💸 Working to bring community banks and credit unions into the digital age, Glide is furthering its product roadmap and building out its team after a new investment. #BuiltInNYC #NYCTechNews #TechHiring Read more here ➡️https://lnkd.in/gbkzZN8e

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Banks like Emirates NBD and providers like PayBy made accepting payments simple. Businesses of all sizes could start receiving payments using nothing more than a smartphone and a printed QR code. It worked because the infrastructure was ready and fintech distribution was sharp. And adoption followed quickly as mobile-first habits made the tech feel familiar. Now, QR payments are moving cross-border, starting with the link between India’s UPI and the UAE’s Instant Payment Platform. The rest of the GCC may follow. What this tells us about payment adoption in the region: → Simplicity beats features → Distribution matters as much as design → New tech spreads faster when it fits everyday behavior 📌 Read the full breakdown: https://bit.ly/43JOzDL #payments #fintech #b2b #uae #qrpayments #ripaeinsights

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Cash flow issues aren't always about revenue – they're often about how money moves through your business. ACH payments may reduce costs, improve timing, and lower fraud risk when used as part of a smart payment strategy. Read our new blog to discover five key benefits of the ACH payment method that is designed to help your business optimize cash flow. https://lnkd.in/g2ub3RjR MEMBER FDIC Services offered through the Treasury Services Department are fee-based and subject to approval.

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When every transaction tells a clearer story, everyone wins. Sicredi introduced richer transaction data across call centers and digital channels with Ethoca Consumer Clarity™. The results were immediate and meaningful. Chargebacks dropped 22% and total disputes declined sharply. 1 in 4 members interacted with Digital Receipts in the first 3 months, showing strong demand for a more transparent experience. See how Mastercard partners with financial institutions to deliver clarity at scale. 🔗 https://lnkd.in/gH73iKdy #Mastercard #cybersecurity #B2B #chargebacks

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We’re excited to launch a three-part webinar series focused on continuity planning across critical payment channels: Wires, ACH, and Cash Letter. Designed for community financial institutions, this series will address real-world disruption scenarios, operational best practices, and required documentation to help strengthen your payments resilience. Part One will focus on Wire continuity, with ACH and Cash Letter sessions to follow. Joining us for the series will be Chris Gilbert from the Federal Reserve, alongside our own Debbie Wendt, Chief Payments Officer, bringing both a regulatory perspective and operational expertise to the discussion. This initiative reflects our continued commitment to delivering practical solutions and meaningful education to our community bank partners. For more information and to register, please visit our website here: https://lnkd.in/gtDfj7TA #continuity #wherebankersbank #communitybankchampion

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Regulatory change is accelerating in payments. New state-level guidance is reshaping compliance for fintechs and digital asset platforms. What does this mean for your operations? Our team tracks every update across 45 state licenses. We translate complex rules into actionable steps so you can move money confidently. Want a deeper breakdown? Connect with us for tailored insight.

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PayCLT and NYPAY Presents: Pay by Bank – Will It Grow and Take Payments Market Share? Moderating: Alex Johnson, Fintech Takes Speaking: Moa Agrell, Trustly Troy Carrothers, Merchant Advisory Group Dean N., finzly Pay by Bank—a new form of Account-to-Account (A2A) payment—is starting to gain ground. As instant payment rails like FedNow and RTP expand, Pay by Bank is positioned to become a viable alternative to cards and other traditional methods. But will it reach critical mass and meaningfully shift the payments market? Join PayCLT and NYPAY for a thought-provoking panel discussion that dives into the real opportunities and challenges shaping the future of Pay by Bank. This session is designed for payments professionals, fintech leaders, and financial institutions looking to stay ahead of what’s next in transaction innovation. If you’re focused on the future of payments strategy—whether you’re evaluating alternatives to interchange-heavy options or assessing the next big shift in digital commerce—this webinar will equip you with the insights to make informed decisions. Register now to join the conversation on where Pay by Bank is heading—and how it could reshape the payments landscape. Register at: https://lnkd.in/gruTmNY8 Sponsor: Lithic INTERESTED IN HAVING YOUR COMPANY SPONSOR? https://lnkd.in/dQQup5VB #NYPAY #fintech #payments #networking #fintech #A2A

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ACH Payments & Verification — Built for Reliability ACH isn’t just about moving money. It’s about reducing risk before the payment ever happens. With ACH Payments through the MSD TAG Gateway, merchants get secure bank-to-bank transfers with built-in account verification — helping lower processing costs, reduce failed payments, and minimize fraud exposure. Verification ensures bank accounts are valid, active, and authorized before an ACH debit or credit is initiated. This leads to healthier return rates, stronger compliance support, and more predictable cash flow. 👉 Learn more: https://lnkd.in/gwBg8Nvg #ACHPayments #BankVerification #Fintech #MerchantServices #PaymentInfrastructure #MSDTAGGateway

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