by Gwyn Johnson | Aug 27, 2026 | General Merchant Processing
If you’re an ISV weighing how to monetize payments, you’ve probably run into four terms that get thrown around: referral, gateway, ISO, and PayFac. Each one changes how much revenue you keep, how much risk you take on, and how much operational work lands on your team....
by Gwyn Johnson | Aug 12, 2026 | General Merchant Processing
A merchant application tells you more than most people bother to read. Before underwriting ever sees the file, the partner who submitted it had every signal they needed to know whether this merchant would board clean, stall in review, or blow up the portfolio six...
by Gwyn Johnson | Jul 27, 2026 | General Merchant Processing, Industry Trends, Marketing
If your team is forecasting merchant volume, predicting chargeback risk, or building any kind of model to guide portfolio decisions, there’s one diagnostic that matters more than almost any summary statistic you’ll pull: the residual. It’s simple,...
by Gwyn Johnson | May 4, 2026 | General Merchant Processing, Industry Trends, Marketing
Merchant retention is not only tested when rates change or equipment fails. It is tested in the moments when a merchant feels uncertain. That uncertainty often shows up when Underwriting asks for additional paperwork, Risk requests follow-up documentation, or...
by Gwyn Johnson | Apr 9, 2026 | General Merchant Processing, Industry Trends, Marketing
Most payment systems today are built to move transactions quickly. However, many are not designed to optimize approvals, reduce lifecycle friction, or support long-term flexibility. This gap often shows up in subtle ways, such as failed recurring payments, higher...
