The choice to build in house or partner with a provider depends on your business goals, timeline, and resources. This post outlines the key criteria: strategic focus, speed, economics, compliance risk, user experience, and technical capability, and includes practical...
Payment Solutions
Technology matters. People matter more.
You choose the technology that best fits your business. Your people determine whether it actually works. The true return on investment does not come from the technology itself. It comes from how effectively employees adopt and use it. In practice, even the slickest...
What 1,000 transactions a day really exposes.
POS systems are critical in retail. That goes without saying. But in high-volume retail, it may be the most important thing in your store. Busy urban or flagship cannabis stores can exceed 1,000 transactions per day. Here’s what often gets overlooked, especially in...
Your ERP is running your business. Why aren’t your payments part of it?
Payments create more value when they sit inside the ERP, not beside it. An Elavon–Infor integration with Converge can streamline checkout, tokenization, reconciliation, and cashiering workflows while improving automation and payment visibility. Planning a rollout?...
You’re already wasting the revenue you’ve earned.
Want to know how? eCommerce breaks in the back office. The missed reconciliations. The delayed reporting. The “we’ll fix it later” spreadsheets. Sound familiar? When you’re selling across Shopify, Amazon, and everywhere in between, the real challenge isn’t accepting...
What do eComm companies want more than anything?
Growth. But not exactly the way you think. What eCommerce companies prioritize: Improving checkout completion rates Reducing drop-off in key moments (signup, payment, upgrade) Optimizing payment flows Not more features. Not more traffic. Conversion. Because this is...
Merchants lose 60–80% of chargeback disputes they try to fight.
Not because they’re wrong, but because the system is designed to protect the cardholder first. And most aren’t fraud. About 45% are first-party, meaning your own customers are driving the disputes. That’s what makes it so difficult to win. You’re not just proving a...
Sales are the same, but fees are increasing. Why?
It’s not just one thing. It’s a combination of structural shifts happening all at once. Let’s break down what’s actually driving it: 1. Interchange fees keep moving Interchange is the largest portion of your processing cost. As governments push card networks to reduce...
Chargebacks cost businesses over $100 billion annually.
When signals are ignored, the impact compounds quickly. Major eCommerce chargeback problems Friendly fraud: Customers dispute legitimate transactions directly with their bank, often to avoid return procedures or due to frustration with managing multiple subscriptions....
Processors Run Software. APIs Power Ecosystems.
For decades, progress in computing was defined by hardware. Faster processors. More memory. Better chips. Software performance largely depended on the power of the machine running it. But that paradigm has changed. Today, the success of software is no longer...