New Payment Service Using Same Tech As Zelle And Venmo Will Cut Out Visa And Mastercard Fees

For decades, retailers have protested the fees Visa V -3.3% and Mastercard MA -3.7% charge them to accept credit and debit cards. “Pay by bank” is the latest effort to circumvent those fees by letting people pay directly from their bank accounts. Financial services consulting firm Sionic has partnered with MX, a company that connects fintechs to users’ bank accounts, and Google Cloud Services to launch pay by bank in the United States.

The product lets merchants cut out card acceptance fees, which range from 1% to 3%. Its success in the U.S. depends on whether merchants can incentivize consumers to switch from heavily utilized credit or debit cards. Pay by bank lets consumers bypass Visa and Mastercard’s payment rails and pay directly from their bank account. It’s already popular abroad, particularly in Asia and Europe, but has so far failed to catch on in the U.S. market where 84% of adults have at least one credit card.

While credit and debit cards approach ubiquity in the United States, the card networks are facing scrutiny as interchange fees–charges to merchants to cover the cost of processing transactions–have continued to climb. In 2021, merchants were charged $77.5 billion in credit card fees, which are split between issuing banks and the card networks. In March, Visa and Mastercard were preparing to raise interchange fees even further, the Wall Street Journal reported.

The pay-by-bank product uses the real-time-payments (RTP) network operated by The Clearing House, an organization owned by 23 of the largest banks including Citibank, Wells Fargo WFC -3.1% and HSBC HSBC -1%, with lower fees than the card networks. The Clearing House’s real-time-payments network is also used by Venmo and Zelle to facilitate money transfers. Launched in 2017 in America, RTP aims to speed up bank transfers so they settle instantly – that’s a stark contrast to the days it can take to settle most bank transfers over the ACH network.

“We’re reallocating the control of that merchant-customer relationship away from those expensive rewards credit cards into the hands of the merchants,” CEO and founder of Sionic Ron Herman said. Customers use Sionic’s pay-by-bank option, called ULink, by scanning a QR code at checkout. The option could also appear to consumers as a button within their mobile banking apps. For security, the technology “tokenizes” user account information.

“The merchant never sees the account number for the individual that’s paying because they didn’t present a debit card, they presented a token to the merchant,” says Elizabeth McQuerry, a partner at payments consulting and research firm Glenbrook Partners. With ULink, MX’s technology confirms a customer has the balance available to cover the transaction, and the fund transfer occurs within seconds over the RTP network.

There is no risk merchants will not receive payment or that the customer will overdraft their account. However, once the transaction has occurred, there are fewer options for recourse if there is a dispute. For example, if a consumer orders something online and it never arrives, they will either have to settle the dispute with the merchant or ask their bank to issue a refund.

Card networks have more experience handling fraud and protect customers through things like Visa’s zero liability policy, which requires banks to cover card holders in the event of a fraudulent transaction. “We know Visa is and will remain one of the most cost effective and secure ways to pay and be paid – offering superior functionality and benefits to merchants and consumers at a competitive cost,” a Visa spokesperson said.

Merchants who want customers to use pay by bank will want to handle disputes swiftly, similarly to how Amazon AMZN -4.8% has built customer loyalty through generous refund policies. Merchants eager to accept pay by bank could incentivize consumers to switch over by offering rewards or discounts for using the service. Some merchants are ahead of the curve, offering their own card programs similar to pay by bank.

The Target TGT -4.1% Red Debit card, for example, works by transferring customer funds directly from their bank account to Target’s. In return for using the product, Red Card customers receive up to 5% cash back on their purchases. In addition to avoiding interchange fees, the Red Card gives Target greater control over the customer experience and more access to offer new promotions or products.

Plaid, an MX competitor and one of the most valuable private fintech companies in America, does not currently offer a pay-by-bank service or utilize the RTP network. In 2020, when Visa announced plans to acquire Plaid for $5.3 billion, the Department of Justice blocked it saying that Visa was trying to “eliminate this competitive threat to its online debit business before Plaid had a chance to succeed.”

Visa denied the allegations, claiming that Plaid’s business is “complementary to Visa’s, not competitive.” Mastercard made its move into pay by bank in 2016 by acquiring Vocalink, which offers the service throughout the United Kingdom. Sionic’s product isn’t the first time pay by bank has attempted to gain traction in the United States. In 2014, Merchant Customer Exchange, a payments company owned by a group of big box retailers including Walmart WMT -3.1%, attempted to launch a pay-by-bank product called CurrentC.

The initiative was shut down two years later after failing to gain traction with consumers. Even if merchants are eager to spur adoption, changing consumer payment habits is a slow process, especially when many are accustomed to a quick and simple card experience. It is unclear if Google Cloud Services’ involvement in Sionic’s pay-by-bank product foreshadows bigger plans for the tech giant, since Google has been working on payment technology for over a decade.

Its products have moved through several iterations. In May, Google Pay (a competitor to Apple Pay) was rebranded to Google Wallet. The most recent version is a digital wallet designed to store card information, in addition to tickets or vaccination cards. Last year, the company ditched plans to offer Google Pay users the option to sign up for checking accounts and debit cards through a program called Google Plex.

Given Google Wallet’s history, it wouldn’t be too far a leap for the company to add pay by bank. “The Sionic and MX announcement is likely to be warmly embraced by Google Wallet, which abandoned its own efforts known as Google Cache and Google Plex to provide a direct pay-by-bank option,” CEO and founder of payments firm Crone Consulting, Richard Crone, said.

I cover fintech for the money team at Forbes. I am an NYU graduate with bylines at AMNewYork, Gotham Gazette, and Prague Daily Monitor.

Source: New Payment Service Using Same Tech As Zelle And Venmo Will Cut Out Visa And Mastercard Fees

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Currently, Alpari offers a wide range of quality services for modern internet trading on the foreign exchange currency market with over a million clients from 150 different countries and serves global offices in UK, Russia, Ukraine, Belarus, Belize, Moldova, Mauritius, Saint Vincent and the Grenadines, Uzbekistan, Kazakhstan and Georgia & many more.

Alpari is a reliable broker due to its strong standing and long years of operation. There are numerous instruments available for trading including Binary Options, the education. Research and analysis section is just great, Alpari is good for beginning traders, also provides automatic trading and participates in various projects.

10 Points Summary
🏢 Headquarters St. Vincent and the Grenadines
🗺️ Regulation SVG FSC, FSC
🖥 Platforms MT4, MT5
📉 Instruments Forex, spot metals, CFDs, Cryptocurrency and Binary Options
💰 EUR/USD Spread 1.1 pips
🎮 Demo Account Available with Demo Contests
💳 Minimum deposit 20 $
💰 Base currencies USD, EUR, RUB, GOLD, BTC
📚 Education Dedicated education with research tools
☎ Customer Support 24/7
Awards

An additional feature is the numerous projects and sponsorships that broker performs in various social activities, like supporting Children by Charitable Fund, the partnership with football, biathlon, rugby, chess teams and Mountineers team support.

Alpari is not a scam it operates for many years and has quite good reputation,  Yet, Alpari is a well-established and known brand, which proved its history and transparent product offering by the millions of clients they serve and a long history of successful operation.

Alpari is an international company, which holds several regulatory licenses in order to be able to offer its services globally, which includes licenses from the Financial Services Authority of Saint Vincent and the Grenadines and the International Financial Services Commission of Belize.

In addition, Alpari is a member of The Financial Commission, an international organization engaged in the resolution of disputes within the financial services industry in the Forex market.

Alpari certificateLeverage

Forex trading performed at Alpari additionally to all attractive features also offers highest leverage of a maximum 1:1000.

Generally, the Forex major currency pairs allow levels of 1:500, and then depending on the chosen trading instrument, thus minor currency pair most often allows leverage of 1:400, while commodities are set to 1:100.

Nevertheless, remember to learn how to use leverage smartly, as a high set level may play against you as well, which dramatically increases your risks while trading.Trading InstrumentsAlpari trading offering consists of Forex – currency pairs, spot metals, CFDs along with Cryptocurrency trading and Binary Options.

Moreover, there is a choice between the execution model you want to use, as Alpari offers two options of orders, a Standard which means the company puts only the aggregate position of all client account and execute based on streaming quoted using Instant Execution.

And another option is an automatic ECN technology via MT4 Bridge, which connects Alpari’s servers to the ECN, means trader’s orders executed at market price. Account typesThere are 4 various account types available as retail trading accounts at Alpari, as well investment through PAMM accounts. The available accounts offering includes specifically designed accounts for various needs either through the choice between platforms MT4 or MT5, alpari.binary, as well as the size of lots and Standard trading feature or PAMM.

It is great at Alpari that you can start trading in the Forex currency market with any amount of funds on the account since there are no minimum deposit requirements. There is also a Demo account, as well traders can sign for a Forex live account to keep the risks as low as possible through trading with a nano.mt4 account where the currency is traded through cents.

Fees

Alpari offers two types of execution the standard or through ECN connection, hence the charges of spread will be applicable according to the chosen method and starting from 0.0 pips. To see full fees always check funding fees, inactivity fees or other commissions.

Fees Alpari Fee Pepperstone Fee GMI Fee
Deposit fee No No No
Withdrawal fee No No No
Inactivity fee Yes Yes Yes
Fee ranking Low Low Average

Spreads

While the Alpari trading fees, which are built into the Alpari spread considered to be on a very competitive level among the market offering, you can check out and compare Alpari fees to FP Markets. See below Standard account trading fees.

Asset Alapri Spread Pepperstone Spread GMI Spread
EUR USD Spread 1.1 pips 0.2 pips 1 pips
Crude Oil WTI Spread 1 pips 8 pips 5 pips
Gold Spread 4 1.4 3
BTC USD Spread 21.2 $10 626 pips

Overnight fees Also, always consider the overnight fee you will pay in case the order is held longer than a day. As an example, going short for EurUsd currency pair will cost you 0.65, and long position ‎-1.31.

Methods of Payment

So once you need to fund a live trading account, you’ll have a selection through major payment options along with special offers from the company, for commission-free deposits. However, few options may be eligible for fees, thus check it with customer service as to your applicable region.

Deposit Options

Payment methods including

  • Bank Wire Transfers,
  • credit or debits cards
  • electronic payments Skrill, Neteller, WebMoney, eBanking, and FasaPay.

In addition, traders within the Alpari are able to perform account-to-account transfer in USD, EUR, and GLD currencies with no commissions.

Minimum deposit

Alpari minimum deposit amount starting from 0$ for Nano MT4 account and moves on further from 20$ and 500$ respectively for ECN accounts.Alpari minimum deposit vs other brokers

Alpari Most Other Brokers
Minimum Deposit $0 $500

Withdrawals

Alpari deposit fees are 0$ for some of the payments, including 0% fee for Cryptocurrencies like Ethereum, Litecoin and Zcash. Alpari provides various withdrawal options, however additional payment methods may incur additional charges and depend on the provider and region you sending from.

Alpari depositTrading Platforms

Alpari offers as a trading platform the most popular and known MT4 along with its advanced generation MT5. There is no matter which device to use since there are available versions for PC, Android or iOS devices that allows earning anywhere.Actually, there is no need to explain a lot about MT4, as it is a choice of millions of traders across the world that are able to enjoy the functionality of the platform and its comprehensive features. Also, EAs at Alpari are allowed with no restrictions, and traders of any style are welcomed.

In case you prefer MT5, which is the latest generation of the earlier popular version, the platform will bring additional orders and instruments for analysis with increased functions assisting in trading even more efficient.And the last, but not the lease is a Binary trader, which is a platform developed by Alpari specifically for binary trading delivers a simple, but effective user-friendly platform along with allowance to perform trading via the mobile application.Therefore, the trader of any experience and size can count on a trading performance powered by the great choice of software that enhances strategies and general possibilities.

Customer Support

Along with that, Alpari designed truly dedicated support to their traders, while novices who have just taken their first steps onto the Forex market can enroll into one of the Investment Academy’s educational courses. The courses will teach not only the basics of Forex but also different methods of analysis that will give some unique insights, how to avoid common pitfalls and minimize your losses.

Education

Also, Alpari provides a vast of analytical support and analysis through trusted sources, alike fundamental analysis provided by Forex economic calendar and news from FxWirePro, with Technical analysis from Trading Central and signals from AutochartistOverall, Alpari review features the company with a long history of operation, which passed numerous crises and hard times nevertheless managed to offer global services to the thousands of their clients. The Alpari brand indeed reputable one among the market offering, notwithstanding the fact of its weak point of recent regulation.

Nevertheless, we can recommend Alpari as a trustable broker to trade with.Alpari solutions meets various traders’ needs, throughout different types of execution and a variety of tools to choose from. In addition, the broker shows great learning capabilities and support, as well as the variety of generous programs alike contest, cashback options, etc that are definitely a plus to the company portfolio and advantage to you as a trader.

Source: alpariforex.org

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How Online Savings Accounts Work

Banking habits continue to evolve as consumers are given more and more choices of where and how they bank. While traditional banking still has its loyal fanbase, it’s hard to compete with the convenience of being able to manage your bank accounts from a computer or smartphone.

The appreciation for face-to-face human interaction that comes with the best banks and credit unions may never go away, but the reputation that traditional banks have for charging high fees and paying low interest rates might leave you wondering how exactly you’re benefiting from keeping your money there.

When compared with traditional brick-and-mortar banks, online savings accounts often offer better interest rates, giving your savings a chance to grow. This is especially true if you open a high-yield online savings account. Learn more about these types of accounts and how you could benefit from one.

What is an online savings account?

An online savings account is a savings account with a financial institution that usually doesn’t have any brick-and-mortar branches and operates fully online. Even though they’re completely digital, online savings accounts must follow the same banking regulations as traditional banks, such as Regulation D of the Federal Reserve limiting the number of withdrawals each month to six.

Since all of your interactions with your account take place digitally, you have the freedom to manage your savings when and wherever you like, without the hassle of having to add another stop to your schedule or having to wait for the bank to open. The websites and mobile apps for online banks are essentially storefronts, so online banks often devote lots of resources to make sure they’re optimized and easy-to-navigate. This allows you to skip the lines at the bank and seamlessly move your money around with just a few clicks.

The absence of physical locations also means online banks don’t have to pay the typically associated costs, such as maintenance or real estate costs. These savings are often passed on to online bank customers in the form of higher interest rates, lower fees, no monthly maintenance fees, and no minimum account balances. This gives customers more flexibility and freedom to do what they want with their money. This means they can be a good fit for financial goals like building an emergency fund.

Online savings accounts do have their drawbacks when compared to a traditional brick-and-mortar bank, however. If you regularly deal with cash, for instance, you might find yourself without any means of depositing into your account. That’s because some online banks don’t provide ATM access. This might require a separate checking account just to handle these sorts of transactions. For those who don’t want accounts spread across multiple institutions, this could be an inconvenience.

On the plus side, there are online checking accounts that provide debit cards that can even earn you cash back or that provide budgeting tools in their mobile apps. So it’s important that you shop around to see what each bank offers and to find the account that fits your needs.

How do deposits and withdrawals work in an online savings account?

Most online banks offer several ways to make deposits and withdrawals, though they might vary from bank to bank. Here are the most common ways to fund and get money out of an online savings account:

Depositing funds into your account

  • Transfer funds from a linked account, also known as an ACH (Automated Clearing House) Transfer (usually takes one to three business days)
  • A check, either by mail or mobile check deposit
  • Direct deposit from your employer
  • Wire transfer

Withdrawing money from your account

  • Transfer money to a linked account
  • Request a check
  • Outgoing wire transfer
  • ATMs, if your savings account is linked to a debit card

Things get a bit more complicated when it comes to depositing cash because of the lack of physical branches. While there are some online banks that have a few retail locations, like Capital One cafes, these are few and far between. If you find yourself needing to deposit cash, you can try one of these options:

Cash deposits

  • Deposit locally into an account with a physical branch and transfer the funds electronically
  • Buy a money order and deposit it like you would a check
  • Load cash onto a reloadable prepaid debit card, such as the American Express Bluebird card, and transfer the money electronically to your online savings account
  • Deposit into a ATM that accepts cash deposits (if available)

Top savings accounts for June 2022

With so many savings account options to choose from, it can all be a bit overwhelming. Factors like a high APY (annual percentage yield), minimum balance requirements, and fees are incredibly important when making your decision. You could get stuck with a low yield or hidden fees. Luckily, we’ve made it easy for you to pick the best option to start earning interest today. Check out our list of the best savings accounts for June 2022.

How to open an online savings account

If you decide that an online savings account can help you meet your savings goals or other personal finance goals, then you may be ready to open an account. The process for opening an online savings account is pretty straightforward. It should only take a few minutes and usually involves completing these steps:

  1. Fill out the application Here you’ll submit your personal identifying and contact information, including your name, date of birth, address, phone number, email, and tax identification number (such as a Social Security number).
  2. Choose your account typeYou’ll need to decide whether you want to be the sole account owner or if you want a joint account. If you choose to have a co-owner, you’ll need to enter the personal information of each account holder.
  3. Designate beneficiaries In this section, you can choose who will receive the money from your account in the event you pass away.
  4. Fund the account How much you must deposit depends on the bank — many require just $1, but others may require a larger minimum deposit to open the account. Once you decide on the amount, the most common methods to fund the account are by bank transfer, sending or depositing a check, or using a wire transfer.
  5. Set up your login information Since access to your savings account is online, you’ll need to set up a username and password to complete the setup of your account.

What kind of interest rates can I expect?

Higher interest rates are one of the major benefits of online savings accounts, though they vary from bank to bank. An account with Capital One 360, for instance, will give you an interest rate of 0.70% (as of June 3, 2022), while the Aspiration Spend & Save account offers up to 5.00% APY with Aspiration Plus (as of June 3, 2022). Online banks are generally a good place to look for a high-yield savings account with a competitively high APY.

How can online banks offer such good interest rates?

Because online-only banks don’t need to pay the employee wages, maintenance, and real estate costs associated with brick-and-mortar branches, they can charge fewer fees, require no minimum balance, require a low or no minimum opening deposit, and usually offer better interest rates.

What is the typical minimum balance for an online savings account?

The minimum balance requirement for an online savings account is usually structured one of three ways:

  • No minimum balance, which is typical for many online banks
  • A minimum balance to keep the account open, which could be as little as $1 or as much as several thousand dollars
  • A minimum balance to earn the advertised high interest rate, with anything less earning a lower APY

Is online banking safe? Is my money insured?

You’ll want to make sure your new bank has the words “member FDIC” somewhere on its website or marketing materials. The FDIC, or Federal Deposit Insurance Corporation, is an independent agency of the United States government. If you deposit money at an FDIC-insured bank and the bank later fails, your money is protected (typically a maximum of $250,000 is covered) by that FDIC insurance

However, banks are not mandated to be FDIC-insured, so it’s always important to make sure the bank you’re considering is. To see if a bank is FDIC-insured, you can go to the FDIC BankFind page. If you are banking with a credit union, you’ll want to be sure they are covered by the NCUA.

Even if the account is insured by the FDIC, you want to make sure the bank you choose uses robust technology to protect your money because the FDIC does not provide reimbursements for fraud perpetrated against accounts.

Most banks offer some type of security guarantee and limited liability protection for its customers. Ally Bank, for example, offers a security guarantee, which states “that you will not be liable for any unauthorized Online or Mobile Banking transaction as long as you report the unauthorized transaction…within 60 days from when your statement is made available.” Ally also offers a range of security measures, from account monitoring to free anti-virus software that can protect up to three devices.

There are also measures you can take yourself to help protect your account from such events, such as setting up multi-factor authentication and text alerts, using difficult passwords, avoiding public Wi-Fi when accessing your bank information, and installing anti-virus software, to name a few.

Is your money stuck in an online savings account?

No. Just like a traditional savings account, your money is accessible to you when you need it. With just a few clicks, you can move money in and out of your savings and into another account.

Transfers to an account within the same bank are usually instant, while transferring to an account with a different bank might take a few business days before the funds are made available.

By Matt Miczulski

Source: How Online Savings Accounts Work | FinanceBuzz

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Scammers Have a New Way to Phish for Bank Account Information, Banker Says

A new phishing scam is hitting banking customers—and this time, the scammers make it seem like their messages are coming from the real customer service line or fraud prevention hotline.

The scam was revealed by wrestling announcer Lenny Leonard, who says that when he’s not calling body slams and sleeper holds, he’s a “mid-level executive with a very large financial institution.” In a Twitter thread, he details the new scam and how not to fall for it.

Leonard warned on Thursday that he had been called by a scammer who had spoofed the legitimate phone number to his bank. The scammer then sent a fraud alert using this number, asking if he recognized a certain charge.

In Leonard’s case, he says that when he told the scammer that he’d have to call them back, the scammer told him to look at the back of his debit card to confirm that they were calling from the same number. After telling off the scammer, Leonard says he called his bank and, sure enough, no legitimate alert had been sent, nor had any unusual activity been seen on his account.

Leonard told his followers how to not fall for the scam.

“If you EVER have someone CALL YOU and say they are your bank, do NOT provide any information like that over the phone on an INBOUND CALL,” he wrote. “Tell them you need to call them back & make sure you are dialing the number on the back of your card NOT a # they give you”.

“I would just urge everyone to make sure they are sharing this with their less tech savvy friends and family because the text I got looked EXACTLY like a prior text I had gotten from the bank my account is with,” Leonard told Newsweek.

A representative from Chase also confirmed that the company was familiar with the scam.

“Unfortunately, scammers target consumers from many banks. We urge all consumers to never share their banking passwords or send money to someone who tells them that doing so will prevent fraud on their account. Bank employees won’t call, text or email consumers asking for this information, but scammers will,” Amy Bonitatibus, Chase’s chief communications officer, told Newsweek.

While spoofing a phone number is common with scammers, often it’s a fake number as well, though Western Bank warns their customers that fake calls can come from a number they recognize.

The bank also lists a variation on the scam Leonard warns of. In the version Western Bank describes, a scammer spoofs the legitimate customer service number of the bank, like before. But this time, anticipating a response like Leonard’s, the scammer will ask the victim to call them back using the same number that’s on the back of the debit card—which is the same as the one they’re spoofing.

In this variation, though, they’ll leave the phone connection active, fooling the victim with a fake dial tone. Once the victim dials, the scammer “answers,” in hopes that the victim will be fooled into thinking the scammer is indeed a legitimate employee.

One way to thwart this is to remember that a real bank employee will already have your information. Never offer up important information like a bank account number. Instead, ask the bank employee if you can confirm their information by asking them to read off what they have.

In addition, banks will never ask for a PIN, a full Social Security number or a customer’s online banking username and password. Banks already have access to customers’ accounts, and when it comes to Social Security numbers, a legit bank employee will only ask for the last four digits to confirm.

By

Source: Scammers Have a New Way to Phish for Bank Account Information, Banker Says

.

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Phishing attacks and countermeasures”. In Stamp, Mark; Stavroulakis, Peter (eds.). Handbook of Information and Communication Security. Springer. ISBN 978-3-642-04117-4.

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How the Russians hacked the DNC and passed its emails to WikiLeaks”

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