BayPay Members Blogs

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Future potential for the payment gateway business



Okay, we talked about the growth potential of the payment gateway vertical in the last post. All dominant players from the other sub-verticals are just jumping on to the bandwagon. Let...
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The Payment Gateway (PSP) Rush!


:-)

Someone asked this question recently – Why the rush to get into the payment gateway (also known as the Payment Service Provider) business now? The payment gateway (the piece connecting the...
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The Wallet Rush!


We are seeing another rush now. Well, its not exactly a gold rush, but the rush to reach the consumer pocket – the wallet rush! Lets define an e-wallet – at...
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Payment Networks spreading their wings




The biggest threat for payment networks is dis-intermediation! Practically, they are not in a very indispensable position. I mean, they are still very critical part of the system. The core strengths of these...
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Growth of the Debit Card Industry



It was meant to be. With the credits drying up and with people becoming more frugal in their spending, debit transactions are definitely on the rise. According to the data from...
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2011 news in the payment industry






I did some analysis of the news in the payment industry – to get a generic feel of what happened in the industry. Here are some interesting finds. While this may...
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Explaining the Financial Institutions



Well, these are the banks that support the entire financial system. Refer to the payment landscape explanation . As seen in the 4-party model description, there are 2 kinds of FIs...
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Explaining the Payment Networks


3-Party Model
Payment Networks Comparison
2011 Revenues
As you can see in the payment landscape , the payment networks play an important role in the industry, connecting all the financial institutions (either be the card issuer or the...
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Big ecosystem entrants to the Payment Industry


Money in the payment industry is not just in the core transaction fee. In fact, that fee is distributed mainly by the FIs and the payment networks and there is very...
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