Introducing Instant Bank Connection on Balance

There's a whole lot more to embedded payments than just processing payment transactions. Here are just some of the key elements within the linked2pay API library where you can find a full process solutions kit: Merchant Management This element includes the "Create Merchant" and "Create Merchant App" functionality. This is key in the rapid, highly scalable underwriting and onboarding of merchants. Contact Management This element entails the contact profile of each merchant, which includes their merchant account (card & ACH) details, their bank account(s), and their contact information. ACH Payment This element facilitates debits, credit, debit using a token, credit using a token, and void a transaction. ACH is native on the linked2pay platform which greatly simplifies the account creation and onboarding process for our affiliates, resellers, and their agents. Card Payments This element is broken into two distinct sections which include Online Payment, and In Person Payments. Developers are provided the instruction and tools needed to securely process credit card and debit card payments using their existing application. Webhooks It is easy to enable webhooks so that we can send any POST requests to the URL you have specified with details of any subscribed events. As an example, the ACH webhook can provide updates as a specified ACH transaction moves throughout the process of being settled. #API #ISOs

 🔎 Ever wondered what happens when a customer clicks “Pay Now”? Here’s a quick breakdown of how online payment processing works 👇 1️⃣ Customer enters details at checkout 2️⃣ Our payment gateway securely processes the transaction 3️⃣ Funds are settled to the merchant’s account It’s seamless, secure, and designed to help businesses accept online payments with confidence. #PaymentsMadeSimple #AcceptOnlinePayments #FintechInnovation #PaymentProcessing

💳 Merchants are caught in a payments “innovation divide.” A new 2025 survey from The Payments Association shows what many retailers already feel: fraud controls and complex payment rules are cutting into revenue — not just by stopping bad actors, but by blocking good customers too. The result? Rising costs, lower approval rates, and frustrated shoppers walking away at checkout. This is exactly where OpenPath helps. We recover failed transactions, reduce false declines, and turn those “lost” sales back into revenue — without adding friction for your customers. https://lnkd.in/gMQAuAs9 #ecommerce #payments #fintech #checkoutconversion #fraudprevention #revenuegrowth #digitalcommerce

💡 Why You Don’t Get Charged Twice During Online Shopping Rush Hours 🔑 Unique Transaction IDs Whenever you hit "Pay Now" on an e-commerce site, your request isn’t just another click. It gets stamped with a unique transaction ID, almost like a fingerprint for that specific payment. Even if your internet lags or you press the button twice in a hurry, the payment gateway checks: “Have I seen this ID before?” If it has, it simply returns the original result instead of charging you again. This is called idempotency, and it’s one of the key principles that keeps online payments safe. Without it, every retry could easily turn into a duplicate debit. ⚡ Atomic Banking Transactions Banks add another layer of protection. They process payments in an all-or-nothing manner. That means a debit either goes through completely or not at all. If something breaks midway — maybe the app crashes or the connection drops — the banking system automatically cancels or reverses that incomplete attempt. This is what’s known as an atomic transaction. There’s no such thing as “half a debit” or “two debits for one transaction ID.” It’s this guarantee that keeps billions of payments safe during mega sales, even when millions of people are checking out at the same time.

How BoxCharge Powers Flexible Buying Options Today’s customers want more than just a “buy now, pay later” experience. They want payment choices that are simple, secure, and trustworthy. That is exactly where BoxCharge helps. It provides a strong system that allows merchants to offer modern payment options like BNPL while keeping everything smooth and easy to manage. With BoxCharge, your business can use a complete payment platform that supports credit cards, debit cards, wallets, net banking, UPI, alternative payment methods, EMI, and BNPL. It brings everything together in one place. The best part is that BoxCharge supports more than 150 payment options, so your customers never feel limited by how they want to pay. BoxCharge gives your business real flexibility. Customers can choose the payment method that suits them, and you can offer it without dealing with multiple providers. It is easy to set up, and with zero-coding integration and ready-to-use APIs, you can start accepting payments in no time. It also focuses on security and trust. Every transaction is protected with fraud detection tools, 3D Secure, and PCI compliance, giving you complete confidence. BoxCharge supports multiple currencies and even high-risk industries, making it a great fit for both local and global businesses. All payments, invoices, and reports can be managed from a single dashboard, giving you more control and less complexity. If your brand wants to offer BNPL or flexible payments without the hassle of multiple systems, BoxCharge is a smart choice. #Fintech #Payments #BNPL #Ecommerce #DigitalTransformation

The 21st edition of World Payments Report explores how merchant payments services transformation is being led by PayTechs and Merchant Service providers setting the pace with instant, invisible and intelligent experiences. APAC including Middle East markets continue to play a significant role in this transformation with its wide ranging geographic footprint, unique market and payment preferences. This makes it essential for merchants to offer a combination of innovative and localized solutions rather than a one-size-fits-all approach. The report explores opportunities to tap strategies to leverage that helps banks to play to their strengths and win in this marketplace. https://lnkd.in/gF3ada3R #WPR2026 #payments #growthstrategy Jeroen Hölscher Michel Vaja Ravi Vikram Manoj KHERA Saumitra Srivastava Ravi Makhija Bilel Guedhami

During the festive season, the digital checkout becomes a battleground of asymmetrical information. "Buy Now, Pay Later" and "No-Cost EMI" are marketed as convenience tools, but they often mask unregulated credit lines with significant CIBIL score implications that can damage a professional's financial standing. As the chief editor at cibilized.in, I've authored a comprehensive article that deconstructs these offers. We analyze the hidden costs, the long-term CIBIL impact, and provide a strategic framework for making an informed choice. This isn't just about saving money; it's about maintaining financial hygiene in a complex market. Read the full analysis here: https://lnkd.in/grqP-6QN #FinancialLiteracy #BNPL #CreditCardEMI #RiskManagement #FintechIndia #FestiveSeason

Transacting digitally is no longer just about credit or debit cards. Embedded payment options like digital wallets, buy-now-pay-later (BNPL), and account-to-account (A2A) are redefining the customer experience.    At Direct Transact, we know customers want payment options that suit them. This isn't just about convenience - it's a chance for businesses to improve customer experience, loyalty and boost sales. As the pioneering founders of banking-as-a-service (BaaS) and payments-as-a-service (PaaS) in South Africa, we help clients offer smooth, personalised embedded payment options to the market. Our goal is to enable our clients to offer the right payment methods at the right time, improving the entire customer journey.   #DirectTransact #BaaS #EmbeddedPayments #CustomerExperience #Fintech #SouthAfrica #Innovation    Read more on the topic in Finextra: https://lnkd.in/dmb8hE83 

Very interesting disruption : “digital wallets and embedded-finance platforms are turning payouts Into a growth engine…By issuing payouts through their own branded cards, virtual accounts or wallets, these companies can keep more of the value chain under their own control …outside legacy payment rails”.

This is a good explanation on how fees work, it’s worth noting that there are also “assessment” fees, which are dependent on card type, amount, processing volumes, if card is foreign, etc, but as usual Arthur Bedel 💳 ♻️ shares an amazing educational post