Chester Ritchie

Are Traditional Payment Rails Slowing Down Your Business? 1) Traditional payment processors charge 4-6% in fees, hitting small businesses hard. 2) ACH transfers take 1-3 days to settle, impacting cash flow significantly. 3) Cross-border payments via SWIFT can take up to 7 days and cost $100-150 in fees. 4) Payment delays can cause 35% of e-commerce customer complaints due to refund delivery issues. 5) Subscription companies lose 23% more customers with payment delays exceeding 48 hours. 6) Suppliers charge 8-12% higher prices for clients with delayed payments of 30-60 days. 7) Stablecoins like USDC and USDT can settle payments in under 10 seconds, improving cash flow. 8) Blockchain networks reduce international transfer costs by 40-70% with same-day settlement. 9) Modern blockchain payment solutions integrate within days into existing ERP systems. 10) Switching to stablecoin payments can save businesses 40-70% on cross-border transfers. https://lnkd.in/eH6kEeFi

2

🚀 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

42

2 Comments

In B2B payments, velocity is the new headline. Boost Payment Solutions Founder and CEO Dean M. Leavitt told PYMNTS that CFOs are elevating AP and AR to strategic levers. The edge now lies in how fast teams can implement reliable, scalable and secure solutions across suppliers. Watch the full conversation on PYMNTS: https://hubs.ly/Q044CGf-0

21

🚨 𝗠𝗮𝗷𝗼𝗿 𝗖𝗵𝗮𝗻𝗴𝗲𝘀 𝗖𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗡𝗔𝗖𝗛𝗔 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗶𝗻 𝟮𝟬𝟮𝟲 🚨 If you're a 𝗧𝗵𝗶𝗿𝗱-𝗣𝗮𝗿𝘁𝘆 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗿 (𝗧𝗣𝗦𝗣) operating in the ACH space—especially in fintech—now is the time to act. NACHA is tightening its fraud monitoring expectations, and TPSPs are squarely in the spotlight. The 2026 rule changes 𝗱𝗲𝗺𝗮𝗻𝗱 𝗽𝗿𝗼𝗮𝗰𝘁𝗶𝘃𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 to detect: ✅ Originators with unusual ACH volumes ✅ Rapid-fire transactions from newly created accounts ✅ Behavior consistent with money mule activity At Unit21, we’re here to help you stay ahead. From customizable rules like: 📌 Flagging new accounts receiving $10K+ in 7 days 📌 Catching 80%+ outflows within 48 hours We make fraud detection and compliance 𝘴𝘪𝘮𝘱𝘭𝘦 𝘢𝘯𝘥 𝘱𝘰𝘸𝘦𝘳𝘧𝘶𝘭. 🔗 Dive into Nacha's expectations and how Unit21 can help: https://hubs.li/Q03QMSZ00

10

"ACA Marketplace Premium Payments Would More than Double on Average Next Year if Enhanced Premium Tax Credits Expire" via KFF (nonpartisan policy analysis) https://lnkd.in/eeQq-rBG

2

Lending is getting smarter with real-time cash flow data, network-powered insights, and frictionless onboarding. In this session with Plaid Product Lead for Credit, Michelle (Boros) Young, see how lenders can use cash flow data alongside traditional credit data to make faster decisions, approve more borrowers, and manage risk. Plus, new partner integrations with Experian, FICO and more that make it easier than ever to get started ⬇️

49

1 Comment

Three forces are converging: stricter regulation, rising customer expectations, and legacy that slows delivery and pumps run costs. Modernization isn't an IT upgrade, it's a business imperative. Circeo brings a configurable, APIfirst, compliantbydesign lending & leasing solution so banks can launch faster, scale safely, and cut run costs. What's your biggest blocker today: compliance, integration, or product changes? #CoreLending #DigitalBanking #ComplianceByDesign #APIFirst #BankTech #LendingTransformation #Circeo

15