Rich Stuppy

Best Practices for ACH Payment Processing 💸 1. Due Diligence and Authentication Due diligence is essential to prevent errors and ensure compliance with ACH regulations. Advanced authentication protocols, such as biometric verification, should be implemented to ensure the security of ACH transactions. 2. Strategic Partnerships Setting up strategic partnerships can improve ACH payment processing and reduce the risk of errors. What partnerships are best? Collaborations with banks and fintech companies, as well as participation in industry forums, can help you stay ahead of industry developments. 3. Record-keeping and Compliance Record-keeping is essential to track ACH transactions and ensure compliance. Automated compliance updates and regular audits should also be used to ensure adherence to Nacha rules and other regulatory requirements. If your business is looking to accept ACH transactions, PayKings is a great option. We offer payment processing and merchant accounts for all businesses, even those considered high-risk. Learn more about our ACH transaction solutions today! https://lnkd.in/gkr74S5g

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From the Finopotamus Press Room: 92% of Enterprise Merchants Hit by Payments Outages as BR-DGE Research Exposes Resilience Gaps #fintech #creditunions Thomas Gillan https://finop.us/vx66zg

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Michael Andrud, CEO of Lüt, breaks down why high cashless ATM fees are a problem for both consumers and merchants. Legacy payment systems have not kept up, leading to unnecessary costs at checkout. In Episode 194, recorded live at MJBizCon, he explains how building modern, cloud-based payment rails can simplify authorization and settlement while creating a fairer experience. #Cannabistech #Fintech #Payments #MJBizCon #DigitalInfrastructure

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🚨 𝐍𝐚𝐜𝐡𝐚 𝐖𝐞𝐥𝐜𝐨𝐦𝐞𝐬 𝐖𝐚𝐥𝐫𝐮𝐬 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐚𝐬 𝐏𝐫𝐞𝐟𝐞𝐫𝐫𝐞𝐝 𝐏𝐚𝐫𝐭𝐧𝐞𝐫 𝐭𝐨 𝐂𝐨𝐦𝐛𝐚𝐭 𝐀𝐂𝐇 𝐅𝐫𝐚𝐮𝐝 Nacha has partnered with Walrus Security to strengthen fraud prevention across the ACH ecosystem. With Walrus’s DoubleCheck platform, organizations can verify payment details before transactions are processed—reducing the risk of fraud at its source. This collaboration focuses on proactive, front-end controls to stop fraudulent payments before they enter the network. ✨ 𝐊𝐞𝐲 𝐇𝐢𝐠𝐡𝐥𝐢𝐠𝐡𝐭𝐬: • Walrus Security joins Nacha as a Preferred Partner • DoubleCheck platform verifies ACH payment details pre-transaction • Multi-signal identity verification ensures counterparty authenticity • Prevents fraud at the earliest stage of the payment lifecycle • Strengthens defenses against business email compromise (BEC) • Enhances trust, compliance, and operational risk management 🔗 𝐑𝐞𝐚𝐝 𝐌𝐨𝐫𝐞: https://lnkd.in/dY3UUVHg 📢 𝐀𝐝𝐯𝐞𝐫𝐭𝐢𝐬𝐞 𝐖𝐢𝐭𝐡 𝐔𝐬: https://lnkd.in/d6B9NyKj Reach global fintech and cybersecurity leaders with CyberTech Insights #CyberSecurity #FraudPrevention #FinTech #ACH #Payments #RiskManagement #DataSecurity #Compliance

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🇺🇸 FEMA is now routing disaster relief payments through FedNow giving victims instant access to funds 24/7/365. Customers of nearly 1500 banks and credit unions will now be able to sleep just a little more easily when they need it most! 💵 FedNow has over 50% more banks and credit unions on the network than RTP, but less account coverage. Why? Because some of the megabanks have yet again put profit ahead of their customer's best interests. Bank of America going live on FedNow should allow it to eclipse RTP by account coverage overnight! Now that the Treasury is routing payments through FedNow, it will be interesting to see how long it takes BoA, with its $13 billion IT budget, to finally fulfill their promise to go-live on FedNow. Their customers will have slower access to funds until they do so. BoA's CEO testified to the U.S. Senate in December 2023 that "we are in the process of doing the technical work, as Jane said, and so it is just a matter of time. It is a matter of when, not if, and it is just going through the systems and planning now." I'm hopeful that will be within the next 6 months!

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First Episode Is Out!! Payments are not just a feature. They are where product strategy, risk, compliance, contracts, and customer experience all show up with receipts. #EmbeddedPayments #ISVs #PayFacs #PaymentsStrategy #Fintech https://lnkd.in/dhK7RiXU

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Your core processor holds the keys to every interaction. The problem is that most community financial institutions are running five or more disconnected vendors just to connect to it, and every core labels data differently. That is where implementations stall, and data gets lost. Valiify was built as a core enablement layer that sits between your digital experience and your core processor. We map the fields so the data moves cleanly into your system of record without manual intervention. What that enables: -Real-time payments  -Automated, personalized marketing  -Soft pull prequalifications -Digital account opening and loan origination are fully integrated into your core No middleware headaches. No core replacement. No months-long implementation. 74% of community bank and credit union leaders want to consolidate technology with fewer providers (CSI, 2026 Banking Priorities). Valiify helps you do more with what you already have. #Banking #FinTech #CreditUnions #CommunityBanking #APIs #Valiify #Finserv

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🚨 New on the Torpago blog: Why every bank should own its corporate credit card program. For decades, banks have outsourced their commercial card programs to third parties, giving up control over customer experience, economics, and brand. That model is breaking. Fast. In this post, we break down: ✅ Why legacy agent-bank models are no longer enough ✅ What modern infrastructure makes possible (without building in-house) ✅ How community and regional banks are launching in-house programs and winning business from the big banks If you're a banker, fintech partner, or operator thinking about modernizing your commercial offering, this one's worth a read. 📖 Read the full post → https://lnkd.in/g-JUFiSs #banking #fintech #commercialcards #communitybanks #Torpago #VisionaryCard #BaaS #corebanking

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Starting January 1, 2026, California retailers must pay alcohol wholesalers via electronic funds transfer (EFT) under AB 2991. Retailers should prepare by assessing their payment systems and ensuring they have the right processes in place to comply. https://noss.law/3Hf7QVj #Alcohol #AB2991

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Processing customer check and ACH payments shouldn’t require juggling multiple systems. Businesses that accept these types of payments need a simple way to run transactions and reduce payment risk. Here’s a quick look at how CrossCheck helps businesses process check and ACH payments in one place, whether they’re working from a desktop or mobile device. https://lnkd.in/gTXJiurx #PaymentProcessing #ACHProcessing #CheckProcessing #BusinessPayments #PaymentSolutions

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A scheduled commercial bank was modernizing its lending operations but lacked real-time visibility. Incident detection took nearly an hour, and resolution stretched to 3–4 hours. Their customers were not happy. Their issues with loan processing often took days to have any resolution. They simply moved elsewhere. That’s when the bank selected VuNet’s Business-Centric Observability platform. They needed ✅ Full-stack observability across APIs, apps, and infra ✅ Real-time business KPIs like loan volumes, segmentation, and workflow stages ✅ Visualise drop-offs from authentication to approval The impact? ⏱ Incident detection cut from 45–60 mins ➝ < 5 mins ⏱ Resolution improved from 3–4 hrs ➝ ~10 mins 📊 Instant access to business metrics and on-demand reporting Result: faster turnaround, better SLA adherence, and a superior customer experience. Read more on how VuNet is transforming digital lending: https://lnkd.in/gFiTcFgG #Observability #DigitalLending #CustomerExperience #Banking #VuNetSystems

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Navigating Loan Application Processes with Empathy and Confidentiality | C-SUITE EDGE Show with Dennis Mikelonis Chief Lending Officer at Idaho Trust Bank with John Light CEO of SBR2TH Watch the full episode here: https://lnkd.in/eU45NcKs Get short bite-size insights from the show below 👇 : ✔️ Private Banking Founded by and serving Attorneys & professionals - Dennis Mikelonis CLO Idaho Bank  https://lnkd.in/e6JdVyVg ✔️ Proactive Loan Portfolio Management for Banks - Dennis Mikelonis CLO Idaho Trust Bank https://lnkd.in/eAMCCA5n ✔️ Navigating Loan Application Processes with Empathy and Confidentiality - Dennis Mikelonis CLO https://lnkd.in/exWW9Pdg ✔️ Perfecting Personalized Private Banking for Successful Individuals -Dennis Mikelonis CLO  https://lnkd.in/eXeDuZDy Giving Executives the Competitive Edge. Welcome to the podcast, ‘The CSUITE EDGE,’ where we dive deep into the world of organizational growth and talent acquisition. Host, John Light is a seasoned professional with over twenty years of experience in the recruiting industry. In this podcast, we aim to provide valuable insights and strategies with our guests to help you navigate the ever-changing growth landscape. As the industry continues to evolve at a rapid pace, it’s crucial for executives and managers to stay ahead of the competition. Our podcast serves as a resource to keep you afloat and ensure you’re equipped with the knowledge and tools to succeed. Watch the full episode here: https://lnkd.in/eU45NcKs 📩 Join the SBR2TH C-Suite EDGE Weekly newsletter: https://lnkd.in/e3Tv72GK Find out more: www.SBR2TH.com Click here to book a recruitment consultation for your business: https://lnkd.in/g5hVNd7F #revenueoperations #CRO #sales #economy #experience #work #tech #talent #recruiters #recruitment #talenthunter #developmentrecruitment #developerjobs #aijobs #mljobs #talentfocus #techrecruitment #techrecruiter #sourcing #energy #energymarkets #tech #ai #ml #nuclearindustry #nuclearenergy #naturalgasindustry #solarpower #techadvancements #techcollaboration #techcompany #techcommunity #technews #news #sourcing #hiring #MortgageBrokers #RefinanceLoans #InterestRates #insurance

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Interesting: TransUnion just released a study about payment to income (PTI) ratios and how lenders/servicers could monitor the data for changes to predict potentially at risk borrowers.    Yet another way that data can help the industry and consumers. #BeInGenius! #KeepItSIMPL! #actionableintelligence   https://lnkd.in/g92GMjKZ

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Adult, subscriptions, high refunds, aggressive scrutiny — still need payments to clear. SanctusPay builds secure, compliant rails for high-risk entertainment so your revenue continues without surprise shutdowns. #highriskprocessing #adultpayments #merchantaccounts #fraudprevention

In 2025, ACH Network payment volume increased by roughly 1.6 billion, reaching a total of 35.2 billion, or an average of 141 million payments per day. In the same period, $93 trillion moved across ACH rails, up nearly $7 trillion from the prior year. While transaction volume grew by 4.9%, the total value of those payments increased by 7.9%. - PaymentsJournal IDK... seems pretty stable to me. #gotcoin? This is THE entry point for any bank, any size, anywhere. 🤝 #CommunityBank #FinTech #Payments #ACH #Stable

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📈 Businesses are ditching checks for ACH! ACH Network data shows Q3 2025 business-to-business (B2B) volume jumped 10% year-over-year, totaling nearly 2.1 billion #payments. Same Day ACH is leading the charge with $585B in transactions — up 15%! 💸 With $16 trillion in B2B #ACH payments, it’s clear the shift is real.

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Not every lending technology is built for the complexity your institution actually carries. Demos are designed to impress. Clean interfaces, smooth workflows, a use case that maps perfectly to the problem you walked in with. It's easy to leave a demo feeling like you've found the answer. But there's a gap between what a platform shows in a controlled environment and what it actually delivers when it's running inside your institution — with your borrower types, your underwriting criteria, your compliance requirements, and your team's existing workflows. That gap is where a lot of technology decisions can go wrong. The institutions that make the best technology investments aren't necessarily the ones with the biggest evaluation teams or the most rigorous RFP processes. They're the ones that ask the right questions before they get to the demo. A few worth considering: 🧩 Does it fit your institution's complexity? Or does your institution have to simplify to fit it? Some platforms are built for high-volume, standardized lending. If your institution handles relationship-based lending with nuance, exceptions, and community context, a one-size-fits-all system may create more friction than it removes. 🤝 Who owns the relationship after implementation? A technology partner should be exactly that — a partner. If the support model shifts dramatically once the contract is signed, that's worth knowing upfront. Ask what ongoing collaboration actually looks like, not just what onboarding looks like. 📊 How does it handle the edge cases? The straightforward files will move through almost any system. What you really need to know is what happens when something falls outside the standard flow. That's where process gaps surface and where borrower experience takes a hit. 📈 Can it grow with you? Or just keep up with you today? Your institution's needs will evolve. Volume will shift. Regulations will change. A platform that solves today's problem but can't adapt to tomorrow's isn't a long-term investment. It's a short-term fix with a future cost. At NewLine.ai, we build for complexity. Because that's what community banks and credit unions actually operate within. Our goal isn't to impress in a demo. It's to still be the right answer six months after implementation, when the real work is happening and the real gaps are visible. The right technology partner doesn't ask your institution to fit its mold. It fits yours. What's the most important question your team asks when evaluating a new lending technology partner? #CreditUnions #CommunityBanks #DigitalLending #NewLineAI

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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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If you’re building or managing a payment gateway, adding ACH isn’t just a checkbox, it’s a strategic move. From cost efficiency to flexibility and long-term resilience, ACH helps gateways innovate beyond card-only models. In this resource, we explore the strategic advantages, common hurdles, and what lies ahead when incorporating ACH into your payment toolkit: https://lnkd.in/gJbY6T3H #PaymentProcessing #Gateways

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