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Our perspective on payments (and other things).

The Payment Facilitator

February 23, 2017

Behind the Payment Facilitator     There is no one-way to process card payments. We always have a fundamental model of card processing: a terminal, a merchant account, and the party’s own bank account. Let’s define these terms. Terminal Any electronic interface designed to receive card data to pass fraud checking. Merchant Account An account […]

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Just What are Blockchains Anyway?

January 25, 2017

Blockchains, a Work in Progress. I find it hard to imagine a topic more debated in FinTech than blockchains. I see speculation on blockchains is rife – however, blockchain’s progress is comparatively sluggish. That’s to say there is a blockchain buzz, but no real application since the technology’s 2008 release out of the bitcoin phenomenon. […]

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FinTech and eCommerce 2016

December 29, 2016

End of year festivities always causes nostalgia and anticipation for the future. In this spirit, we should reflect on FinTech and eCommerce 2016, and consider 2017. There have been definite trends and clear responses to consumer demand. Benchmark companies in this space continue to dictate the pace of development. Let’s look back at industrial evolution […]

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Recurring Payments

December 20, 2016

What are Recurring Payments? Technology and buying behaviours both change. Cloud-based rentals via recurring payments are popular where we used to see physical products. Think Blockbusters versus Netflix, or Spotify versus CD retailers. With the drive of digitalisation and accessibility come different payment options to accommodate mass content, but with no ownership. Where else will […]

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Black Friday 2016: Economy Fuel

November 22, 2016

  Our economy, much like everything else, needs fuel. One of the key drivers for the economy is retail, so keeping our high streets buzzing and eCommerce stores thriving is important. When it comes to retail income, we rely on seasonal holidays as much as day-to-day necessities; in fact, Black Friday is a huge contributor […]

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EU’s Fourth Anti-Money Laundering Directive

October 31, 2016

      What is AML (Anti-Money Laundering)?   Security is paramount to Cardstream. We think about security at every level of our business, constantly evaluating our operations, functions and security to optimise the online safety of our partners, their merchants and their cardholders; as evidenced by our Level 1 PCI DSS security. But security […]

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PayPal Integration

October 12, 2016

  Cardstream are proud to announce that we are now fully integrated with PayPal, this is great news for all of our partners and their potential merchants. How can our PayPal integration help sales? Let’s look at some key benefits. Retaining Fickle Customers with PayPal   Increase Basket Conversion Rates – When a cardholder approaches […]

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Pay Button

September 16, 2016

    Sometimes people need a friendly reminder that their invoice is overdue, but sometimes that message can fall to the bottom of the pile. Sometimes arranging a call for a payment by telephone may take longer than you anticipated. Enter Cardstream’s Pay Button. Bring Out Your Debt! Why should you use a Pay Button […]

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PCI DSS 3.2 Changes

August 12, 2016

    Audits affect all sectors in some shape or form. These exist to protect consumers and merchants, they are therefore extremely important, despite the fact they can sometimes cause a few eyes to roll. At Cardstream however, we ungrudgingly intend for security to be absolute. Aside from our broad range of fraud prevention technology, […]

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Back-up Merchant Accounts

July 20, 2016

  Being prepared is something that was always drummed into me as a child. From the enchanting Lion King song from the villainous Scar, being a Cub Scout and their famous motto ‘Be Prepared’ to my own parents urging me to ‘plan for every contingency’ when it came to exams. Even the hedgehogs crossing the […]

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