A person paying with a credit card using tap to pay at a restaurant table

Billers

Debit is having a moment: Why consumers prefer it and why billers win when they support it

Contactless payment cards stacked on a keyboard, representing digital banking and secure payment sol.

Billers

The demographic shift powering debit: Why younger, digital‑first customers are choosing it over ACH

AIW-1234-Optical-Circuit-Board-Technology.

Banking

Is your card platform holding back growth? Legacy vs. modern explained

Apple Pay contactless payment being made at a vending machine.

Merchants

When gas prices rise, how can fuel retailers protect traffic and loyalty

Group of diverse students walking outdoors with notebooks and backpacks, representing modern payment.

Billers

Digital is the default, but control, trust, and flexibility drive choice—College tuition payments in 2026

How students and parents want to pay tuition in 2026—digital-first, multi-payer, and driven by trust, control, and clear payment visibility.

Business professional using a mobile device for secure digital payments at ACI Worldwide.

Billers

From principle to operating model: Rethinking customer onboarding—Part 2

A practical onboarding blueprint covering phases, metrics, and risk controls to deliver faster time to value and stronger customer trust.

Person using digital wallet app on smartphone for secure mobile payments.

Billers

Why modern bill pay requires more than the lowest-cost rail

Modern bill pay isn’t about cheaper rails—it’s about certainty. Discover how debit and wallet payments lower cost to collect and improve customer confidence.

Person using a mobile banking app to manage finances on smartphone.

Billers

From signature to success: Rethinking bill pay customer onboarding – Part 1

Discover what it takes to deliver a bill pay provider onboarding experience that ensures continuity, reduces risk, and builds trust from day one.

Digital payment technology with interconnected screens and data interfaces.

Billers

The modern debit card: The engine behind seamless payments

Learn why billers rely on debit cards to reduce costs and false declines while enabling mobile‑first, tokenized payments that deliver seamless customer experiences.

Data stream with financial transaction numbers and digital information visualization.

Billers

Bill pay in 2026: The future is invisible, instant, and uninterrupted

On this page Why “never miss a payment” is the new mandate Bill pay is entering a decisive inflection point. Consumers expect instant, secure, and convenient payments; billers expect platforms that never miss a payment, reduce operational friction, and scale with confidence.

AI-powered financial technology infrastructure for secure payments and banking solutions.

Leadership in an era of transformation

Navigate the future of payments with insights on today’s barriers, leadership strategies, and ecosystem shifts.

Young women sending money through digital wallet, using wireless technology

Billers

Digital wallets or pay services? Understanding the roles that power today’s digital payments experience

Digital wallets and pay services have transformed the way we think about money, turning smartphones into secure, all-in-one hubs for transactions.

Woman paying a bill

Billers

Never miss a payment: Building resiliency with a three-layer strategy

Safeguard revenue, customer trust, and compliance amid increasing demand for urgent bill payments.

Efficient financial data analysis on computer screen with a woman reviewing documents.

Billers

Bill pay isn’t what it used to be, and that’s a good thing

This transition didn’t happen overnight. It took years of innovation and careful integration to transform outdated payment systems into the modern, scalable, secure, and resilient platforms we use today.

Diverse Group of University Students Walking on Campus

Billers

When a missed payment costs 60 points: Why wallet-based engagement is the new standard for student loan servicing

This isn’t just a data point. It’s a wake-up call. 31% of federal student loan borrowers with payment due are now 90 days or more past due, the highest delinquency rate ever recorded.

A close up shot of a person typing on their keyboard, the blue light of the computer screen lighting up their hands.

Billers

Fraudsters are developing sophisticated scams in the utility sector

Digital payments fraud in the utility sector is a growing concern. The shift from traditional paper checks to digital payments within the industry has opened new avenues for fraud1.

Secure mobile payment transaction with digital code on smartphone screen.

Billers

Finally, insurers are embracing surcharging and saving millions in the process

Interchange and network fees levied for accepting credit cards are the one factor that dwarfs all others when insurers start digging into the cost of getting paid.