{"id":522082,"date":"2026-02-04T09:00:00","date_gmt":"2026-02-04T14:00:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=522082"},"modified":"2026-02-03T10:56:25","modified_gmt":"2026-02-03T15:56:25","slug":"the-payment-facilitator-model-as-a-growth-strategy-for-isvs","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/","title":{"rendered":"The Payment Facilitator Model as a Growth Strategy for ISVs"},"content":{"rendered":"\n

The rise of Software as a Service (SaaS), AI technologies, financial services APIs, and embedded finance has reshaped the payments ecosystem, creating value beyond simple transactions. These shifts mean traditional payment models now compete directly with independent software vendors (ISVs) and payment facilitators (PayFacs). In fact, 87% of U.S. merchants choose their payment provider at the same time as their business software.[i]<\/a><\/p>\n\n\n\n

Notably, the rise of embedded finance and proliferation of SaaS solutions has accelerated the growth of the PayFac model. Case in point: according to Growth Market Reports, the global payment facilitation market size will reach $50.1 billion by 2033. This growth highlights why it\u2019s critical for ISVs to understand the benefits of transitioning to the PayFac model.<\/p>\n\n\n\n

Delivering a Better Merchant Experience<\/h2>\n\n\n\n

Now more than ever, merchants face a wide range of options when choosing a payments partner. The merchant experience\u2014and, by extension, their customers\u2019 experience\u2014drives the success of any payments partnership. PayFacs deliver significant advantages by simplifying onboarding\/underwriting, streamlining risk management, and ensuring compliance with industry regulations, a time-consuming and arduous process for merchants.<\/p>\n\n\n\n

However, the merchant experience extends well past the onboarding stage. PayFacs add value throughout the entire customer lifecycle. ISVs that adopt this model typically scale their businesses and sales channels to deliver value-added services that strengthen relationships with merchants and end customers\u2014and go beyond payments. By adopting the PayFac model, ISVs can deliver a more holistic solution, incorporating embedded finance features such as advanced customer data analytics via dashboard reporting and flexible financing options for customers.<\/p>\n\n\n\n

Optimizing Revenue Potential for You and Your Merchants<\/em><\/strong><\/p>\n\n\n\n

Businesses can realize significant cost savings because the PayFac manages individual merchant account setups and the underwriting process. For ISVs adopting the PayFac model, this approach strengthens customer relationships and reduces churn. The value goes beyond payments\u2014embedded finance becomes a true competitive differentiator. For example, many PayFacs offer funding solutions that eliminate the need for costly money transmitter licenses. Fast funding is now table stakes. But funding that actually reduces costs for customers? That\u2019s a significant value add.<\/p>\n\n\n\n

Beyond operational savings and enhanced customer stickiness, the PayFac model also empowers ISVs to unlock new strategic growth opportunities by integrating payments more deeply into their product ecosystems. As ISVs gain visibility into transaction\u2011level data, they can surface richer business insights, personalize customer experiences, and introduce data\u2011driven features that further differentiate their platform. This embedded data intelligence can lead to tailored pricing strategies and new service tiers that boost overall revenue.<\/p>\n\n\n\n

Determining the Right Partner Program for Your Business – U.S. Bank | Elavon<\/h2>\n\n\n\n

In a today\u2019s payment landscape, selecting the right payments partner and model is paramount to building the blueprint for your success. So, how do you evolve to meet this changing demand and position your business for sustainable growth? Backed by the strength and stability of U.S. Bank, we can help you scale your business with our comprehensive payment facilitator program.<\/p>\n\n\n\n

Elavon solutions serve as a connecting force\u2014integrating your entire payments system, so you can focus on what matters most: moving your business forward. It’s why more than 1,000 integrated partners, 1,700 \ufb01nancial institutions, 350+ ISOs\/MSPs, and payment facilitators trust us to grow their business. Call us at: 844.904.0429 or <\/em><\/strong>contact us<\/em><\/a>.<\/em><\/p>\n\n\n\n

\n\n\n\n

[i]<\/a> Visa – Visa Perspectives | Visa<\/a><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

The rise of Software as a Service (SaaS), AI technologies, financial services APIs, and embedded finance has reshaped the payments ecosystem, creating value beyond simple transactions. These shifts mean traditional payment models now compete directly with independent software vendors (ISVs) and payment facilitators (PayFacs). In fact, 87% of U.S. merchants choose their payment provider at […]<\/p>\n","protected":false},"author":8502,"featured_media":522083,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"1261"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1138,112,1261],"tags":[17771,622,1229,63045,63200],"class_list":["post-522082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured-content","category-industry-opinions","category-merchant","tag-customer-experience","tag-elavon","tag-isv","tag-payfac","tag-payment-facilitation"],"yoast_head":"\nThe Payment Facilitator Model as a Growth Strategy for ISVs - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"The rise of Software as a Service (SaaS), AI technologies, financial services APIs, and embedded finance has reshaped the payments ecosystem\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Payment Facilitator Model as a Growth Strategy for ISVs\" \/>\n<meta property=\"og:description\" content=\"The rise of Software as a Service (SaaS), AI technologies, financial services APIs, and embedded finance has reshaped the payments ecosystem\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-04T14:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/AdobeStock_439321934.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jimmy Lewis\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jimmy Lewis\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/\"},\"author\":{\"name\":\"Jimmy Lewis\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/d02619970467228c0b3ead0d1c0d637c\"},\"headline\":\"The Payment Facilitator Model as a Growth Strategy for ISVs\",\"datePublished\":\"2026-02-04T14:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/\"},\"wordCount\":559,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/AdobeStock_439321934.jpeg\",\"keywords\":[\"Customer Experience\",\"Elavon\",\"ISV\",\"PayFac\",\"Payment Facilitation\"],\"articleSection\":[\"Featured Content\",\"Industry Opinions\",\"Merchant\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/\",\"name\":\"The Payment Facilitator Model as a Growth Strategy for ISVs - PaymentsJournal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/AdobeStock_439321934.jpeg\",\"datePublished\":\"2026-02-04T14:00:00+00:00\",\"description\":\"The rise of Software as a Service (SaaS), AI technologies, financial services APIs, and embedded finance has reshaped the payments ecosystem\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/AdobeStock_439321934.jpeg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/AdobeStock_439321934.jpeg\",\"width\":1280,\"height\":720,\"caption\":\"Close-up hand asia woman people work in small sme coffee cafe shop store owner use cashless wifi qr code nfc scan app smart pos reader sale in take out food drink order in urban city life contactless.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The Payment Facilitator Model as a Growth Strategy for ISVs\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/d02619970467228c0b3ead0d1c0d637c\",\"name\":\"Jimmy Lewis\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Jimmy-Lewis-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Jimmy-Lewis-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Jimmy-Lewis-150x150.jpg\",\"caption\":\"Jimmy Lewis\"},\"description\":\"Jimmy Lewis is the Vice President of Payment Facilitation at U.S. Bank | Elavon.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/jimmy-lewispj-jimmy-lewis-com\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"The Payment Facilitator Model as a Growth Strategy for ISVs - PaymentsJournal","description":"The rise of Software as a Service (SaaS), AI technologies, financial services APIs, and embedded finance has reshaped the payments ecosystem","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/","og_locale":"en_US","og_type":"article","og_title":"The Payment Facilitator Model as a Growth Strategy for ISVs","og_description":"The rise of Software as a Service (SaaS), AI technologies, financial services APIs, and embedded finance has reshaped the payments ecosystem","og_url":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-02-04T14:00:00+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/AdobeStock_439321934.jpeg","type":"image\/jpeg"}],"author":"Jimmy Lewis","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Jimmy Lewis","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/"},"author":{"name":"Jimmy Lewis","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/d02619970467228c0b3ead0d1c0d637c"},"headline":"The Payment Facilitator Model as a Growth Strategy for ISVs","datePublished":"2026-02-04T14:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/"},"wordCount":559,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/AdobeStock_439321934.jpeg","keywords":["Customer Experience","Elavon","ISV","PayFac","Payment Facilitation"],"articleSection":["Featured Content","Industry Opinions","Merchant"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/","url":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/","name":"The Payment Facilitator Model as a Growth Strategy for ISVs - PaymentsJournal","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/AdobeStock_439321934.jpeg","datePublished":"2026-02-04T14:00:00+00:00","description":"The rise of Software as a Service (SaaS), AI technologies, financial services APIs, and embedded finance has reshaped the payments ecosystem","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/AdobeStock_439321934.jpeg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/AdobeStock_439321934.jpeg","width":1280,"height":720,"caption":"Close-up hand asia woman people work in small sme coffee cafe shop store owner use cashless wifi qr code nfc scan app smart pos reader sale in take out food drink order in urban city life contactless."},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/the-payment-facilitator-model-as-a-growth-strategy-for-isvs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"The Payment Facilitator Model as a Growth Strategy for ISVs"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/d02619970467228c0b3ead0d1c0d637c","name":"Jimmy Lewis","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/Jimmy-Lewis-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/Jimmy-Lewis-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/Jimmy-Lewis-150x150.jpg","caption":"Jimmy Lewis"},"description":"Jimmy Lewis is the Vice President of Payment Facilitation at U.S. Bank | Elavon.","url":"https:\/\/www.paymentsjournal.com\/author\/jimmy-lewispj-jimmy-lewis-com\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/522082","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8502"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=522082"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/522082\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/522083"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=522082"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=522082"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=522082"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}