Category: Payments

The Hidden Cost of Fragmented AR Workflows: What Tech Leaders Should Know

Posted on by Chris Haldane

Read Time: 6 minutes 

TL;DR: Fragmented AR integrations cost users up to $1.3M annually in lost productivity. 59% of U.S. companies attribute poor cash flow to manual AR processes, while IT teams waste hours maintaining broken integrations. The solution? Native or deeply integrated AR automation delivers 80% faster processing, 70% cost savings, and 20% DSO reduction. Teams should prioritize certified integrations, audit current AR workflows, and eliminate the “invisible project” draining IT resources. 

The Invisible Project Draining Your Resources 

Every company has one: the “invisible project” that no one budgets for, but everyone works on. It’s not a product launch, new initiative or campaign—it’s simply keeping your accounts receivable functional. 

When invoices don’t sync to your ERP, AR data lags, or a connector fails, your tech teams quietly step in. They rebuild, export, reconcile, repeat, all to keep revenue flowing. 

But that invisible project isn’t free. It costs hours of manual work, delayed insights, and missed opportunities that could be spent on strategic growth.

The Cost of Disconnected Payments 

Disconnected payment and AR tools create hidden costs that add up quickly. In fact, 59% of U.S. businesses attribute poor cash flow and forecasting to outdated manual AR methods, while another 57% cite difficulties in managing credit risk (PYMNTS Intelligence, 2024). 

Manual AR processes drain productivity across the organization. According to recent research, half of businesses report excessive time wasted on AR processing, while 44% struggle with collecting delinquent payments (PYMNTS, 2024). Beyond operational challenges, companies face direct financial losses: studies suggest businesses can lose up to $1.3 million annually on inefficient processes (Formstack/Mantis Research, 2022). 

The time cost is staggering. Each hour spent reconciling data, managing logins, or manually re-keying information is time your team could be using to move the business forward.

The IT Bottleneck: When Your Tech Team Becomes a Manual Data Bridge 

When payment processors, billing platforms, and AR automation tools don’t integrate seamlessly someone has to fill the gap—usually your IT or Applications teams. Sometimes it falls to the Finance leader who knows the workflow best but doesn’t have bandwidth to manage yet another integration project. 

The result? Your tech team becomes a human middleware layer. They’re constantly building custom scripts, managing API connections, creating saved searches for data exports, or worse—manually entering payment data into their ERP because the integration broke again. 

According to the National Automated Clearing House Association, 71% of remittance information associated with electronic payments travels separately from the actual payment, forcing AR teams to manually match payments to invoices (Citizens Bank Corporate Finance Insights). This often means toggling between multiple systems, exporting data, and using spreadsheets to reconcile what should be automatic. 

Teams find themselves spending valuable time on: 

  • Re-creating APIs when third-party connectors fail 
  • Building and maintaining custom connectors for data transformations 
  • Manual cash application because payment data doesn’t map to invoices 
  • Creating workarounds when batch imports fail or take too long 
  • Troubleshooting why payment gateway data isn’t syncing to customer records 

This fragmentation doesn’t just slow operations—it damages team morale and retention. Accounts Receivable staff are especially vulnerable to defections: according to the Institute of Finance and Management, 27% say they plan to leave within the next year, and nearly half say they’ll leave within three years (IOFM, 2023).  

When talented developers and systems administrators spend their time on repetitive integration fixes instead of innovation, disengagement follows. Disengagement due to manual processes costs organizations $3,400 for every $10,000 in salary (OPEN.money, 2024).

The ROI of Integration 

The business case for AR automation is compelling. Companies that implement comprehensive automation solutions report significant benefits: 

  • Processing time reductions of up to 80% and cost cuts of 30-40% on manual processes (SNS Insider Market Research, 2024) 
  • Reduction in Days Sales Outstanding (DSO) by up to 20% (multiple industry sources) 
  • Invoicing cost savings exceeding 70% when transitioning to automation (HighRadius, 2024) 
  • 83% of AR executives report improved process efficiency and accuracy after implementing automation (PYMNTS Intelligence, 2024) 

The AR automation market is experiencing explosive growth, projected to increase from $3.2 billion in 2025 to $8.6 billion by 2035, with a compound annual growth rate of 10.3% (Future Market Insights, 2025). This growth reflects the urgent business need for integrated solutions.

From Fragmentation to Flow: Invisible Work Becomes Visible Impact 

The path forward requires more than just new software—it demands integrated systems that reduce manual handoffs and give teams real-time visibility into the entire order-to-cash cycle. 

Modern AR automation platforms offer: 

Seamless Integration 

  • Native connectors or prebuilt integrations that eliminate custom coding 
  • Real-time, bi-directional data sync between payment systems and your ERP 
  • Automatic cash application that posts directly to customer records and invoices 
  • No more CSV exports, batch uploads, or manual reconciliation 

AI-Powered Intelligence 

  • Predictive analytics for customer payment behavior based on your transaction history 
  • Automated credit risk scoring that updates customer credit limits 
  • Smart payment matching that handles partial payments, credits, and discrepancies 
  • Machine learning that improves accuracy over time 

Automated Collections That Scale 

  • Dunning workflows that trigger based on invoice aging 
  • Multi-channel payment reminders (email, SMS, portal) with embedded payment links 
  • Customer self-service portals that pull live data from your system 
  • Automated escalation paths based on customer payment history 

Real-Time Financial Visibility 

  • Dashboards that reflect current AR data without manual reporting 
  • Cash flow forecasting based on actual receivables and payment patterns 
  • Custom saved searches and KPI tracking integrated with your ERP analytics 
  • Role-based access that works with your existing permission structure 

For organizations still relying on manual processes, the window to act is narrowing. Invoice volumes are projected to increase by 46% over the next three years (PYMNTS Intelligence, 2024), which will only magnify existing inefficiencies.

Taking Action 

Tech leaders should: 

  1. Audit current AR processes to identify the most time-consuming and error-prone manual tasks 
  1. Calculate the true cost of fragmentation, including staff time, delayed payments, and opportunity costs 
  1. Prioritize integration capabilities when evaluating automation solutions—58% of enterprises consider integration a key factor in selecting financial automation software (IMARC Group, 2024) 
  1. Select scalable cloud-based solutions that can grow with your business and integrate with existing systems 
  1. Focus on change management with strong training and support to ensure successful adoption 

The invisible project of keeping AR functional doesn’t have to drain your organization’s resources. With the right integrated automation platform, tech teams can shift from firefighting disconnected systems to enabling strategic growth.

Sources 

Accelerate AR: Fast-Tracking Financial Performance with Fortis 

Posted on by Chris Haldane

Post 1: Why It’s Time to Accelerate Your AR Workflow  
Read Time: 4 minutes 

This post kicks off our Accelerate AR series—a four-part guide to transforming your invoice-to-cash process using embedded payments inside your ERP. 

First up: Why manual Accounts Receivable (AR) is slowing you down, and what to do about it. 

In a perfect world, invoicing would be instant, payments would post immediately, and reporting would offer a crystal-clear view of cash flow. But for many mid-market B2B companies, the reality is different: invoices get delayed, payments arrive late, and reporting feels more like guesswork than a decision-making tool.  

These inefficiencies often stem from outdated, fragmented processes. Despite investing in ERP systems to centralize operations, many companies still rely on spreadsheets and manual workarounds for AR tasks. If your team is switching between tools, manually entering invoice data, and chasing payments without clear visibility, your AR process is likely holding you back. 

The results can be painful:  

  • Payments trickling in well past due dates  
  • Hours lost each week to reconciliation and follow-up  
  • Limited insight into Days Sales Outstanding (DSO) and cash flow forecasts  
  • Mounting frustration across finance, sales, and customer service  

It’s a common reality, and it’s costly. Businesses in the Americas lose over 50% of unpaid receivables that aren’t settled within 90 days. On average, 4% of accounts receivable are written off entirely.
Source: Atradius & U.S. Census Bureau 

The Hidden Cost of Staying “Good Enough”  

Too often, AR workflows are seen as a back-office task—not a business growth opportunity. But in an environment where speed and accuracy matter more than ever, staying stuck in outdated processes puts your financial health at risk.  

Even incremental delays can cascade into:  

  • Missed revenue opportunities  
  • Cash flow shortfalls that impact budgeting or expansion  
  • Lower customer satisfaction due to billing confusion or payment friction  

It’s not just about operational efficiency—it’s about unlocking real financial performance. 

What If AR Could Move as Fast as Your Business?  

That’s where true transformation begins—not just faster workflows, but smarter, more connected ones that accelerate every step of your AR process. 

When you embed payments into your ERP environment, you create a single, frictionless AR system that works across your invoicing, payment collection, and reporting functions. You reduce touchpoints, minimize errors, and gain full control over your cash cycle.  

Imagine:  

  • Invoices sent the moment a sale closes  
  • Customers paying instantly using their preferred method  
  • Payments posting automatically to the correct account  
  • Finance having real-time visibility into every step  

This isn’t a future-state—it’s what embedded AR can deliver today.  

Why Now?  

Companies that haven’t modernized their AR systems are feeling it: longer collection cycles, higher operating costs, and a lack of data clarity to plan effectively. In contrast, businesses that integrate payments within their ERP are reclaiming time, reducing DSO, and scaling with less friction.  

Modernizing AR isn’t just a technology decision—it’s a growth strategy.  

Turning Strategy into Action 

Fragmented AR processes don’t just slow you down—they make it harder to plan, respond, and grow. When invoicing, payments, and reporting operate in silos, inefficiencies compound and visibility fades. 

But for companies using embedded payment solutions within their ERP, the story looks different. 

With a single, connected workflow, finance teams can streamline invoicing, enable easier payments, and monitor key AR metrics in real time—all without switching platforms or adding new tools to manage. 

That’s the power of embedded AR—and it’s what Fortis is built to support. 

Where to Go from Here  

Accelerating AR starts with recognizing the friction—and then replacing it with smart, embedded processes that work the way your business does. 

In this four-part series, we’ll explore how Fortis helps finance teams automate the full invoice-to-cash journey: 

  • In our next post, we’ll break down the hidden costs of manual invoicing—and how native ERP automation speeds up billing and reduces errors. 
  • Then we’ll look at the payment experience: what’s slowing it down and how to eliminate the barriers that frustrate customers and delay revenue. 
  • Finally, we’ll dive into AR reporting—and how real-time visibility transforms AR from a reactive function into a strategic growth driver. 

Each post will offer practical insights and examples to help you modernize your AR process—and set your team up to scale. 

Ready to uncover hidden inefficiencies in your AR process? Talk to a Fortis expert to see how embedded payments can streamline invoicing, reduce delays, and give your finance team time back. 

The Embedded Payments Guidebook: Turning Payments into a Strategic Asset 

Posted on by fortis2025

It’s no secret that embedded payments are the future of eCommerce. In 2021, 73% of European business leaders planned to implement embedded finance solutions, and the trend has only continued to grow worldwide. Customer demands, new revenue streams, and an improved customer experience further propel merchants and ISVs toward embedded payment solutions. 

As a leader in the payments industry, we looked at the primary benefits of embedded payments, how they work, and why this technology can become a strategic asset. The full story is in our free Embedded Payments Guidebook.  

In our whitepaper, we discuss: 

  • The Basics of Embedded Payments 
  • The Business Benefits of Embedded Payments 
  • The Models of Embedded Payments 
  • Evaluating an Embedded Payments Provider 
  • Elevating Payments to a Strategic Asset 
  • Additional Resources for Getting Started 

We’ve summarized some highlights from the whitepaper, below: 

5 Benefits of Embedded Payments 

Legacy payment systems contribute to a sluggish and disjointed customer payment experience. Customers must often leave the merchant site to verify their payment information with a third party, creating friction. Customers then bear the burden of manual data entry and payment reconciliation. 

Embedded payments change that and more. The benefits of this technology turn everything around: 

  1. Automation reduces the amount of data entry. 
  1. Merchants can keep their payment portals on-brand and on their website or app. 
  1. This technology applies to every industry.  
  1. Organizations can leverage real-time insights and analytics. 
  1. They experience complete control over the payment experience.

How Embedded Payments Work

Given the flexibility of this technology, it only makes sense that there is more than one way to apply it. There are approximately three embedded payment models: 

  • Partner Referral Model – This a convenient plug-and-play solution, but it lacks customization options and is challenging to scale. 
  • Payment Facilitation (PayFac) Model – A PayFac simplifies the process by aggregating all transactions under an account, and these platforms are accountable to acquiring banks. This model offers software companies a greater revenue share but is also more costly to maintain.  
  • Embedded Payments-as-a-Service (EPaaS) – This embedded payments model allows software companies to leverage the customization and revenue benefits of a PayFac model but reduces the compliance and regulatory burden. 

From Payment Feature to a Strategic Asset 

The right embedded payments solution is a strategic asset, supporting customer retention efforts; a frictionless check-out experience, loyalty or rewards programs, alternative payments, and other value-adds streamline payments.  

What is the result of a technology-driven payments strategy? Healthy cash flow and opportunities for growth. 

To leverage embedded payments, you’ll want to carefully evaluate solutions to ensure they align with your financial and long-term goals. Furthermore, you want a solution that will scale with your business.  

Download our Whitepaper 

Ready to optimize your payments workflow and capture even more revenue? Then, you’ll want to download our Embedded Payments Guidebook for more insights from the leader in embedded payments.

Apple Pay and Google Pay: Digital Payments Made Easy

Posted on by fortis2025

Did you know that nine in 10 Americans use digital payments and 53% use digital wallets? 

While digital payment methods have been around for years, the pandemic brought them to national consciousness, and their popularity is only continuing to soar. Today, it has become increasingly common to see consumers and businesses, alike, paying via their digital wallet rather than by credit card or check. 

Unfortunately, integrating these payment types to legacy infrastructure isn’t always so simple. Most payment processors and facilitators have limited payment options and may not include these other types of alternative payments. 

Let’s explore why you should adopt these digital payment methods, and why it’s important to pick a payment processor that can seamlessly embed them into your current software or solution. 

Digital Wallets

There are a multitude of digital wallet options, some of which are international, like Apple Pay or Google Pay, and others that are regional or country specific. Digital wallets have several benefits for both the payor and the payee: 

  • Convenience – Digital wallets may be loaded with funds or draw funds from saved payment sources, such as bank accounts or credit cards. All the payee needs is their phone or wallet information to make a payment, and these transfers are lightning-fast for both the payor and payee. 
  • Security – One of the most important benefits of a digital wallet is its enhanced security. When a customer makes a payment, the payment information is never disclosed. In other words, the business receiving the payment never gets a look at the credit card or bank account number, which also reduces their compliance burden.  
  • Speed – Digital wallets offer instant or near-instant payments, allowing businesses to maintain a healthier cash flow and log payments in real time. 
  • Fewer fees – Accepting digital wallet payments typically costs less than credit card fees, making it more lucrative for business owners.  

Apple Pay 

The Apple Pay wallet maintains a 92% market share of the US industry, making it the most popular wallet. Customers can verify payments directly from the App Store with their biometrics or passcode, making it convenient and relatively secure.  

Fortis allows merchants to accept and monitor Apple Pay transactions. To tap into Apple Pay, Fortis users only need to visit their Virtual Terminal Settings to show these transactions. 

Google Pay

Google Pay is one of the top digital wallets worldwide, and it is accepted in at least 19 countries. As a reliable payment processor, consumers and businesses have begun using Google Pay more and more over the years.  

Similar to Apple Pay, Fortis users can enable Google Pay options through their Virtual Terminal Settings.  

Digital wallets as a part of a payments strategy  

Offering digital wallet payment options solves significant problems for both B2B and B2C businesses. 

For instance, Apple Pay or Google Pay may: 

  • Reduce processing costs and boost savings 
  • Increase conversions 
  • Improve the customer experience—thus building customer loyalty 

As more consumers and businesses tap into digital wallets, they will likely come to expect this option while checking out or fulfilling an invoice. Therefore, it can be helpful to take a forward-looking approach to payments strategy and include these popular payment choices. Not only will you be able to leverage the above benefits, but you can position your business for long-term gains.  

Optimize your payments 

Providing Apple Pay and Google Pay as payment methods offers a number of benefits for businesses. Greater security, increased convenience, and lower fees are just a few. However, as mentioned above, once you decide to include digital wallets as part of your strategy, choosing the best payment processor is the next step. 

Timmy emphasizes the importance of choosing the right payments advisor for your journey. 


As an industry leader with award-winning APIs, Fortis understands the importance of security, flexibility, and innovation when it comes to accepting payments. That’s why our platform is built around providing a seamless and secure omnichannel solution. 

Speak with our payment experts to learn more about how Fortis can become a strategic advantage in your business. 

Adobe Commerce: Enabling Merchants and ISVs to Streamline Payments

Posted on by fortis2025

Back in 2018, Adobe announced its agreement to purchase Magento Commerce for $1.68 billion. As a leading commerce software, the Magento solution enabled Adobe to expand its stellar cloud service offerings. 

Magento’s cloud-based platform supported both B2C and B2B organizations with a number of top-notch features, including: 

  • Category management 
  • Client accounts 
  • Customer service 
  • International support 
  • Marketing tools 
  • Order management 
  • Payments 
  • Product management 
  • Promotions 
  • Search technology 

We’ll explore how Magento’s software evolved after becoming Adobe Commerce, and what benefits businesses and ISVs can expect from the new approach, especially when it comes to payments.  

From Magento to Adobe Commerce: How the Platform Looks Today 

Adobe has long been an essential software for businesses across industries. As a leader in content creation, marketing, advertising, and analytics, it’s only natural that the organization would add payments to its applications. Magento’s versatility was integral to expanding Adobe into payments. And, now as Adobe Commerce, the software has been integrated into the new platform, with several changes. 

The first of which is the dependence on the cloud. Prior to its acquisition, Magento offered both on-premise and cloud platform options. With Adobe Commerce being included in the Experience Cloud, users can now tap into their payments data from anywhere—and sync with other Adobe applications. In other words, merchants and ISVs can leverage the vertical integration between the eCommerce software and other key applications, such as web development and video production. Having the same vendor for multiple functions simplifies the workflow and tech burden, too. 

Adobe also enables users to take advantage of various payment integrations. This component makes accepting and processing payments easy.  

The Top 5 Benefits of Adobe Commerce 

There are many advantages to ISVs and merchants when it comes to using Adobe Commerce. The top 5 include: 
 

  1. Personalized experiences – Merchants and ISVs can leverage the platform’s AI to create and deliver relevant promotions and recommendations to customers.   
  1. Reach more customers – Omnichannel capabilities enable new ways to reach customers, either through enhanced marketing campaigns, merchandising options, or additional payment features. Reach can be extended to new locations and customer segments without leaving the platform with localized options.  
  1. Extensive integrations – As one of the biggest software systems out there, Adobe supports hundreds of free and premium plugins.  
  1. PCI-compliance — Security and compliance is critical for any payment system. Adobe Commerce not only offers high-quality security measures, but also PCI-DSS compliance. 
  1. Enhanced data and analytics – Adobe Commerce enables merchants and ISVs to gain full visibility over their sales and commerce processes.  

The Fortis Difference 

As the leader in embedded payments, Fortis seamlessly integrates with Adobe Commerce, enabling merchants and ISVs to enhance their payments experience. 

Our award-winning APIs and payment solutions provide unique, customizable payment pages, increased security through tokenization, and a faster and easier checkout process for end-customers.  

Looking to get started? Learn more about how Fortis can accelerate your payments with our Adobe Commerce plugin. 

4 Must-Have Features for a US-Based Canadian Payment Processing Solution

Posted on by fortis2025

The infrastructure for Canadian digital payments has been a long time in the making. For years, payments giant Interac has been a leader in building digital payment infrastructure in the country.  

Now, US-based payment solutions can leverage this infrastructure and further transform it with proprietary technology. This includes empowering ISVs and merchants with embedded payments and omnichannel payment systems.  

Below, we discuss the essential features needed for US-based business to process payments in Canada. 

Top Features for US / Canadian Payment Processing Solution

Any powerful payment processing platform should include several features, regardless of the country, like multi-currency support, customization, and multiple payment options. But here are four specific features to consider when thinking about processing in a Canadian ecosystem:  

  1. Local payment options: Accepting local payment methods, including Interac debit acceptance and other forms of electronic funds transfer (EFT), is essential. Simply accepting card-not-present (CNP) or card-present (CP) is not enough. 
  1. Loyalty programs: When it comes to accepting payments, it’s not all about credit cards and digital transfers. Gift and loyalty programs can also help businesses build revenue and boost customer retention. Having a platform that integrates these features with your regular payment options enables you to get creative with your overall payment strategy.  
  1. Omnichannel approach: Not all customers are keen to use a credit card—and even if they are, merchants may need to accept their payments via phone, computer, or in-person. An omnichannel approach to payments streamlines the experience for both the merchants and customers. 
  1. Seamless customer experience: The end customer may abandon their cart during the payment process, particularly if it takes too long or looks unsafe. A platform that offers detailed customization without sacrificing local compliance standards helps merchants optimize their processes. The increase in revenue then filters down to their software provider so everyone wins.  
Timmy Nafso, Executive VP of Fortis, tackles the crucial question: “Why Canada?”

Optimize Your Payments Strategy

Fortis has long been a leader in embedded payments in the United States, and solutions are just starting to expand to Canadian customers. ISVs and merchants processing in Canada can now access the Fortis Platform’s full suite, award-winning APIs, and thorough guides. To learn more about this recent expansion, read the formal press release, here. 

To find out more about the Fortis Platform’s support for payment processing in Canada, schedule a call or download this one-pager.  

What is a PayFac and How is it Beneficial to a Software Provider?

Posted on by fortis2025

For software providers, streamlining the sales process, onboarding merchants quickly, and having an all-in-one solution is top of mind to stay competitive. Keeping up with the ever-evolving payments industry, however, makes this a little difficult. Considerations like selling in regional or global markets and building a solution that’s adaptable and accepts multiple currencies is critical. All the while, software providers want to ensure that their account is protected against fraud and other threats. 

Software providers have one of two options – either building the payments infrastructure themselves or enlisting the help of a PayFac. A PayFac is a payment facilitation solution for software providers and small businesses that enables them to streamline payments without investing in the infrastructure themselves. Instead, they choose a payment facilitation provider that manages everything from underwriting to gateways. 

Let’s explore some of the reasons why a software provider might consider using a PayFac. 

Timmy Nafso dives into the myths and realities of payment facilitation and talks about the importance of choosing the right model for your business.

PayFac and the advantage of payment facilitation providers 

As an embedded payments solution, payment facilitation providers can customize services to meet software providers’ specific needs. This approach isn’t just convenient in terms of cost and time-savings, but it allows software providers to scale as they serve more merchants or customers. At the same time, they do not have to handle the liabilities related to maintaining a payments module, such as PCI-DSS compliance, gateway reporting, or regular security tests.  

Depending on the PayFac solution chosen, merchants can accept more than just credit cards. ACH payments, eChecks, and other forms of digital transfers provide a better customer experience while retaining more revenue.  

Measuring the competitive edge of adopting a PayFac 

It’s easy to see how PayFac offers software providers the technology to effortlessly process payments at a fraction of the cost of in-house solutions. However, it’s the tangible benefits to their merchants that ultimately adds to the bottom line. 

For instance, merchants and eCommerce businesses struggle with high cart abandonment rates, thus reducing their revenue and the amount software providers would receive from payment processing. 18% of customers abandon their cart due to complex or lengthy check-out processes alone, and another 19% didn’t trust the website with their credit card information.  

Fortunately, these issues, along with others, can be resolved with a streamlined, user-friendly payment facilitation system. Improving the check-out experience can boost conversion rates by 35.36% — and when the merchant earns more, so does the software provider.  

A best-in-class payment solution 

With Fortis’ PayFac solution, software developers and merchants can leverage award-winning APIs and leading payment technology to scale their business. Fortis manages everything for you – underwriting, fraud monitoring, funding, gateway reporting, and chargeback management. Fortis also leverages negotiations made with acquiring banks and processors, supply an in-house Level 1 PCI compliant payment gateway, and provides all necessary certifications and licenses. Even better, if you don’t want Fortis to manage it all – you have that option, too! The Fortis Platform’s sophisticated and diverse API libraries allow you to leverage and control the payment process flow and customize the merchant’s onboarding and transactional experience.  

To learn more about the Fortis difference, discover how easy it is to simplify your payments with our PayFac solution.  

Enhancing Payments at Sage Partner Summit 2023

Posted on by fortis2025

Last month, the Fortis team attended and contributed to the Sage Partner Summit in Las Vegas. As a Sage Recommended Solution and Sage tech partner plus, Fortis provides Sage users with a superior ERP experience. Our comprehensive and secure integrated payments solution enables businesses to customize and strengthen their payments processes.

John Badovinac, VP of B2B Channel at Fortis, hosted a session on “Time to Renovate Your Customers’ Payment Experience,” emphasizing how customizing the entire payment experience can enhance customer satisfaction and streamline operations. “Fortis provided an overview of how no other payment provider can match our award-winning technology, world-class onboarding, and decades of ERP installation experience,” said John. 

In addition to John’s session, the Fortis team answered questions and shared their B2B payments expertise at Booth #417. Our partnership and product experience leaders enabled businesses to learn more about how to fortify their payments. The Fortis team at our booth included: 

  • Miah Green, SVP of VAR Partnerships 
  • Tom Nanci, SVP of ERP Product & Experience 
  • Geoff Cox, ERP Product Director 
  • Rob Ullmann, ERP Partner Director 

Beyond our ERP expertise, we also enjoyed some fun by hosting the Top Golf game at Summit After Dark alongside Scanco, Cloud at Work, SPS Commerce, APIWORX, and Avalara. We also contributed to the Money Jar raffle, a giveaway of $1,000, and had various giveaways of our own at our booth. 

Overall, we were thrilled to attend and contribute to the Sage Partner Summit and spread the word about our award-winning API technology. 

Looking to be our next Fortis partner? Discover how we work with Sage 100, Sage 300, Sage X3, and Sage Intacct. 

ETA Names Kevin Shamoun of Fortis as Vice Chair of their AI Committee  

Posted on by fortis2025

The Electronic Transactions Association (ETA) has named Kevin Shamoun of Fortis as the Vice Chair of their Artificial Intelligence (AI) Committee.

With almost two decades of experience working with Independent Service organizations (ISOs) and financial institutions, Kevin offers extensive experience in the payments industry. He has been responsible for designing, deploying, maintaining, and securing critical systems for multiple organizations.

Kevin is no stranger to leadership roles, as he founded the payment gateway Zeamster in 2019 and already serves as ETA’s Chair of the Technology Committee. His current role at the ETA has allowed him to develop resources for merchants and other ETA members to leverage emerging payment trends. 

As a leading member of the ETA’s AI Committee, Kevin will lend his operational and technical knowledge to explore how the industry can use AI to improve payment efficiency and security. He will work together with Russell Moore, Director of Corporate Strategy & Development, Global Payments, and Donald Riddick, Chief Legal Officer, Featurespace, to better define AI and its use cases with the payment industry.

About ETA 

The Electronic Transactions Association (ETA) is the world’s leading advocacy and trade association for the payments industry. Members span the breadth of significant payments and fintech companies, from the largest incumbent players to the emerging disruptors in the U.S. and in more than a dozen countries around the world. ETA members make commerce possible by processing approximately $44 trillion annually in purchases and P2P payments worldwide and deploying payments innovation to merchants and consumers. 

Embedded Payments: Powerful Technology That’s Delivering a Better Way To Do Business  

Posted on by fortis2025

Think about a typical dinner delivery. Maybe it’s Friday night, and a cheesy pizza has just arrived steaming hot right to your front steps. You take the pie, thank your driver and shut the door — but wait, when did you pay?  

It almost feels like you didn’t.  

As consumers, we’re used to the ease of ordering through apps like UberEATS and Amazon and completing our purchases without tracking down credit cards or counting out cash. Now these types of embedded payment experiences are becoming commonplace for businesses across a myriad of other industries, including B2B markets, to the benefit of buyers and sellers alike — as well as the software providers who support them.  

Why everyone wins with embedded payments 

Customers aren’t the only ones who appreciate the convenience of payments being seamlessly woven into transactions. There are a multitude of ways embedded payments help businesses, too. Fortis Chairman and CEO Greg Cohen has seen many innovations over his 20-year career in payments and was an early advocate of integrated technology. 

“A fully embedded payments experience is better for the person making the purchase because it’s just simple and easy, so that’s inherently going to drive engagement and increase the likelihood of repeat purchases,” Cohen said. “The business also gains efficiency in the back office, where processes such as posting payments to the general ledger are automated and not manually input.” 

Additionally, embedded payments have been shown to improve cash flow by reducing collection costs and shortening the time accounts payable are outstanding, which can be crucial in industries like healthcare where more than 41% of adults in the U.S. have medical debt and invoice write-offs are high.  

“It’s not just about facilitating payments anymore,” Cohen said. “Businesses need to turn the traditional payments acceptance approach into a “commerce facilitation” mindset and create a true, competitive advantage. The platforms and payments partners who do that will win in the long run.” 

What software providers, marketplaces and developers should look for in a payments partner 

As businesses search for more ways to boost sales, cut costs and keep customers happy, they’ll increasingly seek out software and digital platforms which help them do all three simultaneously.  

Providers can still monetize payments as an additional revenue stream while helping their business clients gain a competitive edge through commerce enablement. However, which payments partner is “the best” depends on the needs and goals of the platform and the people using it, according to Mark Bishopp, Senior Vice President and Head of Embedded Payments/Finance and Partnerships.  

“At Fortis, we help do the heavy lifting, taking the weight of risk and data management off our partners’ shoulders,” Bishopp said. “And yes, embedded payments are industry agnostic, but that doesn’t mean the payments partner should be. We believe it’s important to know the nuances of the verticals you’re serving.”  

How Fortis enables commerce by taking a different approach to embedded payments 

Payments partners come in all shapes and sizes, but Fortis focuses on specific market segments where the company has deep expertise. With Cohen at the helm, Fortis continues to offer tailored experiences to its clients in hospitality, healthcare, retail and wholesale distribution in addition to ERP systems.  

“If somebody just wants a set of APIs, there’s a bunch of us who can do that,” Cohen said. “But if you need or want a guided journey as you go up and down the paradigm of commerce options, we provide that personalization and specialization. And the journey is different for every software provider, and in some cases, it’s different for every merchant using the platform.” 

This intricate knowledge and personal service gives Fortis the ability to create new features and functions that a one-size-fits-all sandbox can’t supply. For consignment retail shops, that means developing embedded payout capabilities to streamline the often-laborious tasks of accounts payable. For chiropractors and physical therapists, it’s click-to-pay invoices and embedded inventory functionality for medical equipment.  

“We’re here for the long-term and evolution of your journey. As a Fortis partner, you can go up or down the tech and services stack based on your business needs, and that is really unique,” Cohen said. “No matter what comes next, we’re going to keep listening to the market and following our customers so we can deliver everything they need to be successful. And that’s going to be different for the pizza guy than the doctor’s office.”  

For more information about partnering with Fortis, contact us here. 

Partner Spotlight: Ricochet POS 

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Ricochet partnered with Fortis to go beyond the basics of a payment integration and added tremendous value to their product by tapping into next-gen embedded payment features.

Creating solutions for niche business has many rewards. For Ricochet, they were able to build a platform to free clients from the constraints of old technology and outdated practices. At the same time, they continue to craft their product around the direct feedback from consumers and enhance the platform.

As a part of the specialty retail and consignment verticals, they supply their end-users a way to manage inventory, keep track of consignees, and other general business functions. The owners of Ricochet noticed that when it came to payments it was up to the customer to find a third-party provider to fill this need. While stand-alone solutions would perform the basic tasks, managing the communication between the POS and the payment terminal would be difficult for front and back of house employees. That pain-point had their team redirecting their product roadmap, looking for an integration.

There exist several payment companies out there who perform the basics of taking and processing credit cards. Through the field of options, Ricochet further explored the rich features that combine several types of integrations and bundle them under their POS system.

After a deep PayOps evaluation with Fortis, Ricochet was given a plan to embed payments with the Fortis Platform’s robust omni-channel payment systems and their innovative features that help merchants further connect with their customers. The newly updated Cloud 2.0 gateway integration creates one API that Ricochet develops for. Additionally, with this update, they relieve their technical burden of supporting terminal deployment because of Fortis’ rapid terminal deployment online management system.

Now all POS and payment features are under one system making it more efficient for staff to track payments. With the text message payment link feature, merchants can send a text message to their customers who are making phone orders or deposits and request payments. By offering digital receipts, their customers are now tapped into a digital atmosphere. It is now possible to submit their ratings on their experience without moving to another platform. Merchants have the opportunity to display interactive marketing messages on their customer’s phone.

Fortis goes beyond the basics of taking payments and provides a value-add platform that helps Ricochet develop a robust and multi-functional product. To become a Fortis partner and do the same for your business or software, visit our partner page.

PayPod: Embedded Payments with Mark Bishopp 

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Last month, Mark Bishopp, SVP of Embedded Commerce & Partnerships at Fortis, met with Jacob Hollabaugh, Host of PayPod, to discuss the embedded payment experience.  

In their podcast discussion, the two covered the following topics: 

  • A future of seamless transactions 
  • The flexibility Fortis offers and the customized payment service it provides 
  • What makes Fortis stand out as a service among other competitors 
  • How surcharging is similar yet very different from cash discounts 

To learn more about Mark’s podcast and to read the full transcript, you can visit SOAR Payments’ page. 

The Future of Embedded Payments: ETA TRANSACT 2023 in Review

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Fortis leadership had the pleasure to attend and speak at the 2023 TRANSACT conference, powered by ETA. As one of the leading payments events, our team led in-depth discussions about the future of the payments ecosystem, the power of embedded payments, and how individuals in the industry can advance their careers. 

If you weren’t able to attend or just wanted a refresher, here’s a summary: 

The Future of Embedded Payments: Greg Cohen, CEO

With over two decades of experience in the payments industry, Greg Cohen, CEO of Fortis, helped to kick off the conference. Together with Deana Rich from Infinicept, he introduced the embedded payments talk track.  

He also moderated a Fireside chat with Christie Stunkel, Head of Global Payments Partnerships at Square. In this session, titled The Future of Embedded Commerce, Greg and Christie explored new payment methods like Cash App Pay and Buy Now, Pay Later (BNPL). 

“We had an amazing and insightful discussion as Christie took us through the evolution of Square from the days of the dongle to the disruptive end-to-end embedded commerce business they have become,” said Greg. 

Going beyond current trends, they highlighted the likely roadmap for the future of embedded payments and how this will affect businesses and consumers. 

The Embedded Commerce Ecosystem: Mark Bishopp, SVP

Mark Bishopp, SVP and Head of Embedded Payments/Finance & Partnerships, led a panel titled The View from Across the Ecosystem: Embedded Commerce Today on how embedded payments has evolved over the years. As a leader in the financial services space since 1988, Mark understands and is connected to every part of the payments ecosystem and technology, including traditional payments, embedded finance, third-party payments, and blockchain.  

Speaking alongside Eric Queathem from WorldPay, Richie Serna from Finix, and Cassis Wong from Shopify, this session explored the current trends of the embedded commerce ecosystem and what it might look like in the near future.  

“We had a great conversation on payments around the perspectives of merchants, consumers, and the solutions supporting embedded payments,” said Mark. “For merchants in particular, the stakes are high to remain competitive. It’s become critical for merchants to work with solutions that treat Payments as a Strategic Asset (PaaSA).” 

Professional Development with a Growth Mindset: Kathy Kmiotek, Director of Channel Marketing 

Kathy Kmiotek, the Director of Channel Marketing at Fortis, has a long history of using data-driven, results-focused marketing and business strategies for multiple industries. And as a member of PayTech Women, a community celebrating women in the fintech industry, Kathy moderated a career development panel as a part of the Empow(H)er Program.  

In How to Maximize Your Career Potential, Kathy discussed the importance of thinking beyond promotion and adopting a growth mindset with Sandra Ishak, the Director of Chanel Marketing at Ingenico. Together, they explored their careers as tenured marketing professionals and women in fintech and shared tips on how young professionals can get the most out of their career journey.       

“Much of maximizing your career potential is about being on the upside of change and learning from experience,” said Kathy. “Set clear goals, be adaptable, stay proactive, seek feedback, and build a network to support and challenge you.” 

Accelerating Payments Innovation 

As a leader in embedded payments, Fortis is at the forefront of change in creating a nearly invisible payment process. Greg, Mark, and Kathy have all shared insight into the forces transforming the way we process and streamline payments today.  

Of course, it has also been a pleasure to learn from other leaders in the industry. We are all working together towards the same goal: To make payments faster, easier, and safer than ever before. 

To learn more about how our award-winning solutions work, check out this summary of our embedded payments solution. 

A Better Payments Partnership and the Developer Experience

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Every independent software vendor (ISV) knows that finding or developing a customer-centric experience is only a piece of the puzzle. For a truly effective solution, the backend needs to be seamless and easily maintained. One way to make this possible is through a developer portal. 

The developer experience is crucial for any integration. From documentation to specific features, an ISV’s developers should be able to effortlessly navigate a payment application programming interface (API). 

The Fortis API is just that – intuitive, robust, and award-winning. Even more, our developer portal encompasses a suite of sandbox tools with SDKs, Postman Collections, request inspector, sample code, and a team collaboration dashboard. 

Here are a few reasons why it’s important to choose a partner with a developer portal.

The Importance of the Developer Portal

A seamless, intuitive developer experience centers around the Developer Portal. From this interface, the developer should understand the general layout of their configuration and have an overview of their projects. 

The portal layout should be clear and precise, especially the navigation. It may sound like a small factor, but finding everything easily is important. Especially for developers who likely have a nearly infinite number of tasks to complete. 

A developer should be able to quickly locate their project management screen to review specific project details. In addition to key project details, developers tend to prefer self-service portions, being able to invite team members, quickly visit the documentation, and contact the dedicated integration support team.  

There are several key features every developer portal should have, including: 

  • The ability to change the merchant’s configuration 
  • Adding ACH and CC accounts to simulate multi-merchant configurations 
  • Being able to create and modify unlimited mock devices from their dashboard 
  • A real-time, sandbox environment for mock devices that realistically respond to API requests to test EMV card transactions 
  • Test data to simulate real scenarios 
  • A log to review, search, and filter all API requests 
  • An easy way to review good/bad requests in the log, such as color coding the rows 
  • In-depth data on every transaction for easy troubleshooting and pinpointing bugs 

The more detailed information your developer portal can provide, the better. Developer tools that provide mock devices and comprehensive transaction information significantly reduce time spent debugging and searching for basic data. As a result, the developer can complete tasks faster. 

The Fortis Platform uses Open API Specification (OAS), a standard language-agnostic interface to RESTful APIs, providing developers with both support and freedom when integrating a solution. We support multiple programming languages, such as .Net, PHP, Java, Ruby, Python and Typescript, making our developer portal easy for self-service use, saving you time and your bottom line. 

First Impressions: The Documentation

Before any developer plugs into the dashboard and begins using the API, they will look at the documentation. Thorough documentation showcases how robust your solution will likely be and how easy it will be to navigate.  

In addition to having any easy documentation link within the developer portal, it can be helpful to offer: 

  • Try requests from within the docs – Developers should be able to test requests within the docs themselves for easier error handling and management.  
  • Postman collections – This is essentially a collection of API requests, already saved, organized, and ready for use. 
  • Full software development kit (SDK) – A full SDK allows developers to streamline and customize an integration and is an essential component for any ISV.  

The Fortis Platform’s API documentation site supports real-time testing within the site and SDK generation. 

Getting Started with an Award-Winning API

A mature payment API is built with customers and developers in mind. That’s why our team at Fortis developed our payments API and documentation to be an intuitive experience for everyone. In addition to our step-by-step tutorials, robust developer portal, SDKs, and real-time code consoles, our API has won several awards. 

Since 2018, the Fortis API has been recognized as a “Best of Breed” system for: 

  • Developer and API onboarding 
  • APIs offered 
  • Overall API assessment 
  • API set 

Experience the Fortis difference yourself in our thorough API documentation or setup a sandbox account today.   

Fortis is a Sage Recommended Solution

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The Fortis Platform is a Sage Recommended Solution that seamlessly integrates with Sage enterprise resource planning (ERP) systems and products.  This makes it easier than ever for businesses to accept payments. As the leader in embedded payments, and a Sage tech partner plus, we are dedicated to elevating Sage solutions and providing more value to your customers. 

As a Sage Recommended Solution and Sage Tech Partner, the Fortis Platform combines the latest payment technology with industry-leading expertise to provide a unified commerce experience in multiple channels. In addition to allowing clients to send electronic invoices and get paid immediately, a customer using the Fortis Sage integration can expect: 

  • Level II and Level III Data Enrichment 
  • Flexible Pricing Options 
  • Payment Acceptance (CC, ACH & EFT) 
  • Omni-channel Capabilities 
  • Click-to-Pay/Email Invoicing 
  • Online Customer Portal 
  • Customizable Reporting 
  • Unrivaled PCI Compliance Reputation 
  • Access to Industry Experts 

Even more, our award-winning API set allows for platform customization, built to fit your specific business needs. 

If you use Sage products, consider elevating your payment experience by using the Fortis Platform. To get started with Fortis, click here.  

Merchant Spotlight: Ricochet Home Consignment

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Welcome to our first merchant spotlight – Ricochet Home Consignment! Ricochet partnered with Fortis because of our robust omni-channel payment systems and innovative embedded features that help merchants further connect with their customers.

Merchants using Ricochet now have an efficient way to go beyond taking payments and adopt digital receipts, rapid terminal deployment, text message payment links, and more without having to work with several third-party systems.

Being in a niche business has many rewards. While they can be quick to make decisions and personable to help their customers in a meaningful way, the problem merchants encounter is finding solutions that fits their business needs.

Established in 2014, the Ricochet POS software is a niche solution for those in retail and consignment verticals. Their focus was building a platform to free their clients from the constraints of old technology and outdated practices.

Currently, they supply their end-users a way to manage inventory, keep track of consignees, and other general business functions. When it came to payments, it was up to the customer to find a third-party provider to take credit card payments. While stand-alone solutions would perform the basic tasks, managing the communication between the POS and the payment terminal would be difficult for front and back-of-house employees.

With Fortis, all POS and payment features are under one system making it more efficient for staff to track payments. With text message payment links, merchants can send a text message to their customers who are making phone orders or deposits and collect payments. By offering digital receipts, their customers are now tapped into a digital atmosphere. It is now possible to submit their ratings on their experience without moving to another platform. Merchants have the opportunity to display interactive marketing messages on their customer’s phone.

Having this extra integration layer removes the hassle of implementing third-party services. Fortis goes beyond the basics of taking payments. The payment integration provides a value-add platform that helps Ricochet develop a multi-functional product.

To learn more about how Fortis can help your business, visit our consignment solution page.

Six Tips for Fewer Chargebacks in Hospitality

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Our last blog in this series will discuss six different ways to reduce chargebacks and improve your hospitality business. If you missed the first two posts, you can find them on our blog page. 

Six tips for fewer chargebacks 

To reduce chargebacks or improve dispute success, you can:  

  1. Settle authorizations within seven days. 
  1. Ask for ID proof and card copies for card not present (CNP) transactions.  
  1. Use EMV terminals that capture card chip data.  
  1. Refund the amount to the same card and do not refund a card without an offsetting charge. For example, if a customer pays with cash, do not refund them via credit.   
  1. Monitor guests for expensive purchases and insist on signed authorization forms.  
  1. Require advanced payment for large bookings and keep a file on the cardholder including their name, address, signature, and guest information.  

Using a payment processor that makes it easier to spot a fraudulent transaction through enhanced analytics can also help you to lower your chargeback ratio.   

Better Chargeback Management for Hospitality Businesses 

Monitoring and recording transactions is a laborious task for any organization.   

To protect against fraud and chargebacks without sacrificing the guest experience, the right payment platform can help. A payment solution can help hotels and lodging organizations maintain pristine records and easily handle chargebacks — while making payment a breeze for guests.   

To learn more about how chargebacks can impact your business and how to avoid them, you can download our guide, here. Consider working with Fortis for custom payment solutions within the lodging industry.  

 

How to Prevent and Dispute Chargebacks

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In our last blog, we talked about chargeback basics. In this post, we provide best practices and guidance to prevent chargebacks. 

Defending chargebacks is time consuming to businesses, and it affects retained earnings. If the number of chargebacks received exceeds card brand thresholds, this may impact a merchant’s ability to continue processing payments. 

The good news is that it’s possible to minimize chargebacks. Best practices include:  

  • Provide a refund and return policy that is agreed upon by the cardholder at the time of purchase. 
  • Make it easy for customers to contact you.  
  • Ensure services and products are described accurately across all marketing materials.  
  • Confirm the address verification service (AVS) and card verification value (CVV) response for card not present (CNP) and online transactions. 
  • Monitor complaints online and frequently review for new chargeback cases. 

Can you rebuttal on chargebacks?

Once a cardholder submits their chargeback request, you’ll receive a chargeback notification. Each card issuer has its response timeframe. Generally, a merchant has 10 days to respond to a chargeback and await the issuer response within 14 days. 

If you decide to defend the case, you’ll need:  

  • Proof of delivery  
  • Cardholder service records and cardholder communication  
  • Signed card authorization forms and receipts  
  • Proof of lodging stay  
  • Evidence of EMV chip transaction with the approval code 

Looking for more ways to prevent fraud and chargebacks? Consider downloading the Fortis chargeback guide.  

All You Need to Know About Chargebacks

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With the dramatic increase in fraud over the past few years, more and more merchants are dealing with chargeback fraud. 

When handling a chargeback dispute, it’s important to know the nuances of the entire chargeback process. In this article, we’ll dive into the key aspects of a chargeback claim and how you can reduce your chargeback ratio.  

What are Chargebacks?  

A chargeback is when the cardholder’s chargeback claim is processed by the issuing bank, and the cardholder is granted a provisional credit in the interim of the dispute. A common chargeback type is when a cardholder or business sees suspicious activity on their credit card. They can then directly dispute the transaction with their credit card issuer. 

For merchants, chargebacks can cause havoc in understanding your cash flow. Hospitality businesses, especially hotels and lodging, often encounter chargebacks since they have often already provided services and may have even turned cardholders away.   

In addition, processing banks scrutinize merchants who have a high number of chargebacks. For all businesses, it’s critical to keep chargebacks to a minimum.   

At the same time, many cybercriminals use the chargeback process to commit fraud.   

Here are two types of chargeback fraud:  

  1. Friendly fraud — When a cardholder claims the product wasn’t as described, they canceled a reservation, or the charge is related to suspected fraud. Sometimes these complaints are valid, but fraudsters can use chargebacks to get refunds after services are rendered to get free items.  
  1. Criminal fraud — When a reservation or service is used with stolen card details.  

Sometimes, a merchant error can also result in a disputed charge. For example, when a refund or cancellation policies aren’t disclosed, or when the hotel marketing didn’t match reality. Essentially, an error or miscommunication on the merchant’s part instigated the cardholder chargeback.  

How do chargebacks work? 

The chargeback process is a tedious one, but it does include an opportunity for a business to handle the disputed charge.   

In short, here’s how it works:  

  1. The cardholder submits a chargeback request to their bank.  
  1. The card issuer reviews the request.  
  1. The card issuer forwards the request to the merchant’s processing bank.  
  1. The merchant’s bank account is debited for the chargeback amount.   
  1. The merchant can accept or rebuttal the dispute.  
  1. The original card issuer reviews the merchant’s case.   
  1. The card issuer determines the outcome, and in accordance to card brand policies, will provide a provisional credit back to the merchant.   

This entire process, from the request to case closed, can take up to three or four weeks. The cardholder can request a chargeback up to 120 days after purchase, and sometimes they are given a full year with continuing service agreement. Meaning many merchants may need to argue chargeback requests months after the initial transaction.  

When defending a transaction, a merchant only has ten days to submit compelling evidence. 

But what happens if the case results in the cardholder’s favor?  

If the cardholder continues to dispute the transaction with their card issuer, the merchant may elect to review the chargeback case by arbitration with the card brand. If during arbitration the case is decided in the cardholder’s favor, the merchant will be assessed a fee by the card brand arbitration committee.   

What causes chargebacks?  

There are many reasons why a cardholder might request a chargeback. Some reasons include:  

  • A fraudulent transaction was made with a stolen card  
  • Intentional chargeback fraud  
  • Misleading service descriptions  
  • Duplicate payment or the wrong amount  
  • No cardholder authorization 

Interested in learning more about how chargebacks can affect your industry? Consider downloading the Fortis chargeback guide. 

Your Ideal Embedded Payments Solution

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The third blog in our Embedded Payments series discusses features to look out for, as well as a deeper dive into the Fortis Platform. In case you missed it, you can find the first blog and the second blog of the series at their respective links.

What Features Should You Look for in the Ideal Embedded Payment Solution?

While making payments easier and faster is a win-win for customers and businesses, there are several points to consider when choosing the right platform. Security is paramount in financial transactions because of the amount of sensitive data they contain. But you also want to think about what kind of platform will allow you to grow in the long term.

Some key features that both software providers and merchants will appreciate are:  

  • Security – You want an embedded payments platform that invests in fraud protection and PCI DSS compliance. Ideally, they will do more than encrypt payment data—they will tokenize it for future use.  
     
  • Customization – Every business has different needs, and its customers have unique payment expectations. Your solution should provide payment and front-end customization options for an on-brand experience.  
  • Variety – There are several components your business may need for a seamless payment experience. Some features around integrated payment software should include are customer portals, payment facilitation, text-to-pay support, card account updater, and EMV Card Present transactions.  
     
  • Visibility – You’ll want a program that keeps track of invoices and scheduled reports for a clean auditing process.   
     
  • Sound APIs – The payment API is the cornerstone of your embedded payment solution. Your chosen API should be easy to implement and well-developed, with plenty of technical specs you or your IT team can look through, depending if you are a software developer or a merchant.  

The Embedded Payment Solution You’re Looking For 

When it comes down to it, you want a payment platform that makes sense for your industry, integrates with your ERP or software that runs your business, and provides a seamless payment experience. 

Fortis has an easy and robust embedded payment solution that provides everything you need to optimize your payment process and grow your business. For more on how our expert team can help your service providers and merchants accept more payments securely and scale, contact us today to get started.