Michael Seaman

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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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

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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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Is Your Payment System Stuck in the Past? Same-day ACH, instant payments, and digital communication are the now—not the future. If you can’t offer modern payment options, your customers and vendors will notice (and so will your competitors). 🏁 Don’t fall behind—here’s how to tell if you’re overdue for an upgrade: 👉 https://lnkd.in/enksScAS #DigitalPayments #PaymentInnovation #B2BPayments #CustomerExperience

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Most business owners don’t realize how frustrating payments have become… until they finally work with the right partner. We hear stories like Robert’s all the time. Emails that go unanswered. Support tickets that disappear. Processors that feel impossible to reach when something actually matters. Payments shouldn’t feel like that. When money is moving through your business every day, you deserve a team that actually picks up the phone, answers the email, and solves the problem quickly. At PayPact, our goal isn’t just competitive rates. It’s responsiveness, transparency, and making sure business owners never feel like they’re chasing their own payment processor. Because the right partner doesn’t just process payments. They make running your business easier. #PayPact #BusinessPayments #EntrepreneurSupport

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Ever wonder what happens when someone pays with eCheck? It’s a digital check that moves through the ACH network from your customer’s bank to your business account so you can get paid without paper or manual steps. ✅ Cost-effective ✅ Secure ✅ Great for recurring billing and higher-ticket payments Learn more: https://vi.sa/45H1ZAR #eCheck #ACH #Payments #SmallBusiness

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Check it out. Nacha’s 3Q metrics reveal a huge increase in B2B payments. Over the quarter, 2.1 billion B2B payments were sent via ACH. Those payments had a value of $16 trillion. Business leaders know that using the ACH Network to complete their business-to-business payments is the safest, fastest, and most reliable way to do business. As businesses begin to modernize and shift away from paper checks, ACH emerges as the right fit for organizations, regardless the industry. https://hubs.la/Q03R1G4w0

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How to Increase Efficiency and Improve Cash Flow Expanding your payment options is one of the fastest ways to increase sales and strengthen cash flow. Don’t limit your business to just cash and cards—offer customers the flexibility they want by accepting ACH payments through ACH.com. ACH is a cost-effective electronic payment network that allows your business to debit funds directly from your customers’ bank accounts—no cards required. This reduces processing costs while providing a secure, convenient payment option your customers already trust. With ACH.com, you can eliminate reliance on multiple payment platforms and streamline your operations. The platform offers a fully integrated, web-based, and customizable ACH solution that allows you to: Process one-time and recurring payments Monitor transactions and returns Track activity with remote deposit capture Access Same Day ACH functionality By cutting out the middleman, you collect more revenue and simplify your payment workflow—no need to juggle multiple systems. What truly sets ACH.com apart is its real-time, reliable reporting. Transactions, balances, and payment activity are updated instantly, giving you complete visibility for accurate reporting and smarter business decisions. Advanced reporting tools make it easy to analyze performance, manage cash flow, and stay in control of your finances. Work smarter, collect faster, and keep more of what you earn with ACH.com. Mx Merchant will make your business more Efficient, more Effective and more Profitable I offer a complimentary 30-minute discussion to walk through what that looks like for you. Find this useful? Save it for later. #strategy #business #creativity #innovation

This is the BNPL Partnership the Industry Has Been Waiting For Fiserv and Affirm just announced an exclusive collaboration that fundamentally changes the competitive landscape for community banks and credit unions. As someone who's spent years watching the BNPL market evolve, I can confidently say this is an absolute homerun for financial institutions. The numbers tell the story. The U.S. BNPL market is projected to reach $111.6 billion in 2026, with over 86 million Americans now using BNPL as a mainstream payment choice. But until now, community financial institutions have been sitting on the sidelines while neobanks and fintech disruptors capture this massive growth opportunity. That changes today. What makes this partnership exceptional is the turnkey integration model. As Erik Wichita, Head of Card Services at Fiserv, explained: "This partnership gives our clients a practical, scalable way to offer such payment flexibility through their existing debit products, helping them compete effectively, deepen customer and member relationships, and drive top of wallet engagement with their products." Zero technical lift. Real time underwriting handled seamlessly through Affirm's platform. Native embedding into existing digital banking solutions. Access to Affirm's network of nearly 420,000 merchants with offers including 0% APR. The strategic implications are enormous. Community financial institutions can now keep customer spend within their ecosystem rather than watching it leak to standalone BNPL providers. Research shows that roughly half of U.S. consumers, and three fourths of millennials, will not complete a purchase if pay over time isn't offered at checkout. This partnership solves the classic build versus buy dilemma that has paralyzed many community financial institutions. Building internal BNPL capabilities requires significant technology investment, lending infrastructure, and merchant relationships that most institutions simply don't have. This provides enterprise grade capabilities with zero operational burden. Bottom line: This transforms BNPL from a competitive threat into a competitive advantage for community banks and credit unions. It's exactly the kind of strategic enablement the industry needs to compete in an increasingly digital, consumer driven financial services landscape. #BNPL #Fintech #DigitalBanking #PaymentsInnovation #FinancialServices #CommunityBanking #CreditUnions #DigitalTransformation #Fiserv #Affirm #BuyNowPayLater #PaymentTechnology #BankingInnovation #FinancialInclusion #ConsumerFinance

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LoanPro has joined Plaid's growing partner ecosystem. Together, we're giving lenders access to real-time cash flow data. These proactive insights into income, savings balances, and debt trends empower credit providers to adapt their servicing and collections strategies with borrowers' evolving financial situations, both preventing delinquencies and improving the customer experience. Read more on how we're driving faster decisions and more inclusive lending👇 : https://lnkd.in/gEX5v5Gd

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