Payment Transactions

A payment rail is a platform or network that moves money from a payer to a payee. Either party could be a consumer or business, and both parties are able to move funds on the network.

Blockchain is considered a newer type of payment rail, as are centralized electronic payment systems such as:

• PayPal
• Venmo
• Zelle

If the transferred funds are available immediately, a payment rail is referred to as a real-time rail.

Subscriptions

Crypto subscriptions?

Credit Risk

Current required behaviours for managing customer credit risk:

1. Maintain a relationship
2. Watch payment pattern
3. Maintain credit score
4. Recheck credit with the bank

Products

• Loop Crypto
• Ramp
• Stripe

Schema

• payment problems
• [pa]