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Spotlight Innovators
Spotlight Innov ators

Getting paid.

When will business owners get their money? And how? Payment preferences based on location come into play. Some love
their cards and digital wallets, while other markets might prefer to buy now, pay later (BNPL), or the use of an online
service or peer-to-peer payment app. Juggling all the options while keeping an eye on different currencies can quickly
make your QuickBooks not compute. Then there's profitability. Is the product or service priced right for the international
markets that are on the table? American shoeheads don't think twice about paying the big bucks for their Air Jordans, but
those prices may not fit on other countries' feet.
That proverbial bottom line.

For most merchants, payment is the big one. Finding a global solution that will streamline revenue and afford a flexible
and quick payment schedule is an enormous priority. Inovio has ecommerce solutions that work all over the world, from
America to Albania to Antigua. It's a revolutionary online payments platform that offers seamless integration and global
scalability. The world keeps moving, and Inovio moves with it (and the ecommerce industry). But it's not just technology,
there's also a team of payment experts with the experience, insight, and connections to help you work with processors,
acquirers, and payment service providers worldwide. Inovio offers an omni-channel platform capable of adapting to
any payment experience, anywhere, allowing for customers to purchase items in their native currency and merchants to
manage their businesses however they see fit. That means innovations that bring simplicity to an often confusing process.
With flexible APIs and the ability to speak any programming language, Inovio is the ambassador to your ecommerce
aspirations. Learn more about what Inovio can do to take your ecommerce global. https://lets.gonorth.com/.

Build Your Book of Business with Niche

and Emerging Merchant Verticals

e’ve come a long way from the early days of payment processing, when countertop terminals rolled off
assembly lines and electronic authorizations and settlement began to permeate the market. Over time, as
more businesses accepted payments electronically, ISOs and merchant acquirers looked for ways to add
W value to existing solutions. Gift card and electronic check processing became popular. Hardware and soft-
ware became more customized; salespeople became more consultative.

In today’s world, standalone payments are not enough to win over new merchants, who seek out processors that offer
inclusive product stacks with expanded value adds. Salespeople that specialize in select vertical markets and help merchants
tailor solutions to meet the needs of their specific business and industry have a leg up over others. Maverick Payments
collaborates with ISO and ISV partners to deploy purpose-built, technology-lead solutions supported by a responsive, in-
house back office to help merchants stand out from competitors, delight customers and grow their businesses.

Niche and emerging verticals have risen over the past few years, and yet, surprisingly few payment processors support
emerging markets. In fact, numerous ISOs and acquirers reject merchant applications that don’t fit standard risk profiles
or Merchant Category Codes (MCCs). This is often due to reputational or regulatory risk levels that are unknown, as the
vertical is emerging.

The reality is that with a nuanced understanding of regulations and transactional trends, these merchants could present
significant opportunities. For too many legacy fintechs, this rigid approach to risk management hearkens back to early
days of uniform POS terminals and vanilla processing. At a time when advanced analytics and algorithms can instantly
score a merchant account, why limit underwriting to a few generic models?

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