Do recipients receive disbursements from you quickly?
QUESTION 2
Are you able to send cross-border payments at the lowest cost to anywhere you want?
QUESTION 3
Does your money move fast enough to keep up?
HOW READY ARE YOU FOR REAL TIME?
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Take the quiz
Can your transactions settle fast?
QUESTION 4
But are you reaping all of the benefits that real-time provides? Real-time is more than speed. With the right solution, you can eliminate uncertainty around settlement, more easily forecast cash flow, and manage liquidity, reconcilement and record keeping. You also can reduce errors, manual processes associated with paper checks and lead time required to schedule legacy payment types. And by using one provider to consolidate payment modalities for domestic and cross-border transactions, you reduce costs.
YOU’RE MOVING FAST
congratulations
Are your transactions routed to best meet your business needs and minimize costs?
QUESTION 11
Consumers and businesses alike expect money to move swiftly, safely and conveniently. But too often, barriers such as cross-border complexity, regulations, security concerns and legacy infrastructures create a chasm between expectations and reality. The good news is this gap is closing as real-time money movement becomes accessible to just about anyone, anywhere in the world.
Unsure where your money movement may be stalling? Take this quiz to find out.
We can settle transactions within minutes or seconds.
We are restricted in how quickly we can settle transactions.
We have a great deal of flexibility in how we route transactions.
We don’t have much choice in how our transactions are routed.
Slow to commit to real-time? Real-time is more than speed. With the right solution, you can eliminate uncertainty around settlement, more easily forecast cash flow, and manage liquidity, reconcilement and record keeping. You also can reduce errors, manual processes and lead time required to schedule legacy payments. And by consolidating payment modalities for domestic and cross-border transactions, you reduce resource costs.
Best of all, API-enabled real-time payments are easy to integrate and implement.
LET’S IMPROVE HOW YOUR MONEY MOVES
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Take the quiz again
We lack the resources to fully understand our working capital position.
NO
We use a platform that provides real-time data visibility to track cash flow.
YES
Is your cash flow predictable?
QUESTION 1
We primarily issue checks (cheques) or prepaid cards for disbursements.
NO
We deposit most disbursements directly into recipients’ accounts.
YES
We pay a premium for sending cross-border payments, especially to some countries.
NO
We have systems in place to send remittances in the most cost-efficient way.
YES
NO
YES
NO
YES
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We have difficulty keeping ahead of payment fraudsters.
NO
We use real-time authentication, encryption and other anti-fraud tools to protect transactions.
YES
Are you well protected against payment fraud?
QUESTION 5
Our AR/AP processes are inefficient, often requiring time-consuming reconciliation.
NO
We have automated AR/AP, including check replacement digitization, to speed processing and eliminate errors.
YES
Do you avoid bottlenecks in Accounts Receivable/Accounts Payable?
QUESTION 6
We don’t have procedures in place to pay gig workers sooner.
NO
We pay gig workers in real-time.
YES
If you have gig workers, do they get paid quickly?
QUESTION 7
Charges for card transactions reduce our margins considerably.
NO
We protect our margins through low-cost routing.
YES
Are your margins protected from erosion from card schemes?
QUESTION 8
Dealing with chargebacks is a hassle and often more trouble than it’s worth.
NO
We use chargeback protection software to reduce disputes and automate decisions.
YES
Are you able to reconcile chargebacks promptly?
QUESTION 9
We struggle with accessing resources to keep pace with changing payment regulations.
NO
We have adequate resources to ensure we remain up-to-date and compliant with payment regulations.
YES
Is it easy for you to keep pace with changing payment regulations?
QUESTION 10
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Take the quiz again
Learn more
Learn more