Blog

Customer making contactless payment with a card at a retail store.

Merchants

Connected payments: The key to seamless cross-channel experiences

AI-powered digital payment processing technology with data streams and futuristic interface.

Banking

Payments should feel like Amazon shipping. Here’s why they don’t.

Man looking stressed while using smartphone at home.

Merchants

When demand spikes, retailers can’t afford payment failures

Smartphone screen displays AI shopping assistant in a retail store setting.

Merchants

Agentic commerce in fashion: Shoppers want AI to save them money, not spend it

Person holding a credit card and using a tablet for payment.

Billers

Debit is gaining ground in bill pay, and raising the stakes for utilities

Debit now leads utility bill payments. See what's driving adoption, what ACH failures really cost, and how utilities can modernize payment experience.

Woman holding a credit card while using a laptop at home.

Billers

Why lenders should treat debit as a strategic payments rail

Discover why lenders are prioritizing debit to reduce payment friction, improve delinquency outcomes, and create better borrower experiences.

Young woman looking at her smartphone while working on her laptop at home.

Billers

Half your customers are stressed about paying you. Now what?

Two-thirds of Americans live paycheck to paycheck. Learn how billers can reduce payment friction, improve trust, and support stressed customers.

High voltage power lines with illuminated cables against a dark sky.

Billers

Visa’s service-fee update for utilities: What changes and what doesn’t

Visa added utilities (MCC 4900) to its Service Fee Program. See what changed, how it affects autopay, and how to choose the right fee model.

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

Not offering debit creates friction, failed payments, and higher costs. Learn why debit is essential for improving payment success and cash flow.

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

Debit is becoming the default for daily spend. See how mobile wallets, habits, and visibility are reshaping payments behavior.

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.

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.

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.