Rachel Simmons

Checkout payment method mix showing cards, digital wallets, BNPL, and bank payment options for ecommerce checkout

October 7, 2026 20 min read

Engineering Your Checkout Payment Method Mix: Which Wallets, BNPL, and Bank Options to Show by Ticket Size and Audience

The best checkout payment method mix is the smallest set of options that covers how your most valuable customers prefer to pay. Keep cards as a dependable base, surface eligible digital wallets...

Push to card payouts with Visa Direct and Mastercard Send for instant refunds gig earnings and business disbursements

Payments Technology October 7, 2026 23 min read

Instant Payouts With Push-to-Card: How Visa Direct and Mastercard Send Move Refunds, Rebates, and Gig Earnings in Minutes

Push to card payouts let businesses send money directly to eligible debit or prepaid card accounts, often within minutes instead of waiting for a conventional bank payout cycle. Visa Direct and Mastercard...

AI assistant securely completing an online purchase for a customer

Emerging Rails August 26, 2026 42 min read

Agentic Commerce: What Happens to Authorization, Disputes, and Liability When an AI Assistant Checks Out for a Customer

Traditional ecommerce assumes the customer is actively looking at the checkout page, selecting a payment method, reviewing the total, and pressing the final purchase button. Agentic commerce changes that assumption. An AI...

Stablecoin settlement and merchant accounting challenges

Emerging Rails August 26, 2026 36 min read

Stablecoin Settlement for Merchants: What “Instant Settlement” Actually Means, and the Accounting Problems It Creates

Stablecoin payments are often marketed as “instant settlement,” but merchants need to ask what exactly settles instantly. A blockchain transfer may be confirmed in seconds or minutes, while conversion to bank-account currency,...

August 29, 2025 7 min read

Integrating Accounting Software with Payment Systems: Benefits for Efficiency

Firms have struggled with financial efficiency for decades. Traditionally, accounting had been a manual, time consuming process: invoices were paper developed, payments were tracked in ledgers, and the reconciliation could take days....