Geographic Regions

Americas

226 questions
If I run an online service connecting the U.S. with Africa, do I need a separate money-transmitter license in each U.S. state? Jun 8, 2015 US Money Transmitter Licensing and MSB Registration What makes an ACH account number unique in the United States? Jun 5, 2015 Domestic Payment Rails, National Switches and Clearing Systems Legal (U.S.): After the Liberty Reserve arrests, how did their violations differ from the accusations made against HSBC? Jun 5, 2015 Regulators, Enforcement and Regulatory Change What is the best way to carry money when traveling to the United States? Jun 1, 2015 Payments (General) How are very large sums held and moved within the United States? May 12, 2015 Domestic Payment Rails, National Switches and Clearing Systems Do U.S. companies use web-based electronic checks, and which payment gateways support them? May 7, 2015 Merchant Accounts, Processors and Gateways Online Banking: What’s a good way to programmatically create virtual savings “buckets” for users? May 1, 2015 Fintech, BaaS and Embedded Finance How long should someone wait between transferring two $10,000 amounts to the U.S. to avoid reporting issues? Apr 8, 2015 International Wire Transfers and Large Transfers If we charge customers’ credit cards worldwide and then wire funds to other users (minus a service fee) like Airbnb, do we need money-transfer licenses (MSB/MST) in the U.S. or Europe? Apr 7, 2015 US Money Transmitter Licensing and MSB Registration What systems do banks typically use to maintain and reconcile customer accounts? Apr 7, 2015 Banking and Payments Technology Stack In the U.S., how can a non-resident non-citizen open a bank account online? Mar 11, 2015 Opening Bank Accounts, Personal and Business Are paperless checks as insecure as they appear? Mar 8, 2015 Domestic Payment Rails, National Switches and Clearing Systems Can peer-to-peer payment platforms transfer money across state lines without obtaining money-transfer licenses? Mar 3, 2015 US Money Transmitter Licensing and MSB Registration How can I buy Bitcoin while living in Canada? Feb 11, 2015 Bitcoin and Cryptocurrency Basics History: How did wealthy Europeans move assets to the New World during the colonial era? Feb 8, 2015 History of Money, Banking and Finance What exactly is involved in Check 21 processing services? Feb 7, 2015 Domestic Payment Rails, National Switches and Clearing Systems I live in India and have no U.S. contacts—how can I open a U.S. business bank account remotely? Feb 7, 2015 Opening Bank Accounts, Personal and Business What is CoinX, and how does it differ from other companies in the space? Jan 12, 2015 US Money Transmitter Licensing and MSB Registration Is there an efficient way to automate making hundreds of payments to online retail customers besides PayPal? Jan 9, 2015 Domestic Payment Rails, National Switches and Clearing Systems What are the pros and cons of working with U.S. financial regulators? Jan 2, 2015 Regulators, Enforcement and Regulatory Change Is it risky to share my account and routing numbers with an employer? Jan 1, 2015 Domestic Payment Rails, National Switches and Clearing Systems In the U.S., what regulations apply to businesses that handle, hold, and transfer customer money? Jan 1, 2015 US Money Transmitter Licensing and MSB Registration What risks could I face if I open a U.S. bank account on behalf of my aunt and uncle? Dec 11, 2014 Law, Contracts, Terms of Service and Legal Structures How would U.S. casinos operate if the U.S. became a cashless society? Dec 8, 2014 High-Risk Industries In the U.S., which common payment, wire, banking, card, or check problems should technology realistically eliminate within a year? Nov 3, 2014 Domestic Payment Rails, National Switches and Clearing Systems Since ACH and card payments can be reversed or charged back, is there any electronic payment method in the U.S. that is truly irreversible? Oct 9, 2014 Domestic Payment Rails, National Switches and Clearing Systems In the U.S., are credit cards essentially necessary to live a normal life compared with debit cards or cash? Oct 8, 2014 Credit, Debit and Prepaid Cards Why aren’t transit cards accepted for general-purpose payments? Oct 3, 2014 US Money Transmitter Licensing and MSB Registration What is the difference between Visa and Interac? Sep 12, 2014 Card Networks and Card Issuing How can a company obtain its own bank routing number and issue account numbers? Sep 4, 2014 How Banks Work If U.K. regulation can legitimize Bitcoin, when might the U.S. formally legitimize it as well? Aug 11, 2014 Crypto and VASP Licensing What are the key regulations governing mobile payments and virtual currencies? Aug 9, 2014 US Money Transmitter Licensing and MSB Registration Is it possible to add a plugin to U.S. e-commerce platforms like Magento so customers can pay with alternatives to PayPal and cards? Aug 4, 2014 E-Commerce, Marketplace and Platform Payments What are the steps required to launch a Bitcoin exchange in the United States? Aug 1, 2014 Crypto and VASP Licensing In the U.S., how can a non-citizen and non-resident open a bank account online? Jul 11, 2014 Opening Bank Accounts, Personal and Business Why are U.S. banks slow to adopt features long used abroad, such as chip-and-PIN cards, pay-at-table systems, and easy free transfers between customers? Jul 9, 2014 Domestic Payment Rails, National Switches and Clearing Systems Why are U.S. banks so slow to roll out hardware security tokens (one-time code devices) for login authentication? Jul 5, 2014 Cybersecurity, Digital Identity and Authentication Why are money transmitters in the U.S. often treated harshly or cautiously by financial institutions? Jul 4, 2014 Sponsor Banks, FBO Accounts and Banking Access for Fintechs and MSBs For a non-U.S. resident with a U.S. LLC, is it better to open a business bank account in the U.S. or Europe? Jul 2, 2014 Opening Bank Accounts, Personal and Business Which U.S. banks, if any, accept or use digital currencies like Bitcoin? Jun 12, 2014 Crypto Payments, On-Ramps and Off-Ramps Why is there no seamless, unified money-transfer method between Canada and the U.S.? Jun 8, 2014 Payment Corridors and Remittance Economics Does Mint.com support Bank of America accounts, and why or why not? Jun 4, 2014 Open Banking and Account Aggregation Could a compliant cross-border bill payment service (for example, from the U.S. to Mexico or Indonesia) operate without remittance licenses? Jun 2, 2014 US Money Transmitter Licensing and MSB Registration What electronic payment options are available for businesses in Canada? May 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems How worried are Venmo’s investors about the company not being licensed as a money transmitter in every U.S. state? Apr 12, 2014 US Money Transmitter Licensing and MSB Registration Which U.S. banks permit opening an account without in-person branch visits? Mar 8, 2014 Opening Bank Accounts, Personal and Business Has anyone found a fully online-only bank that caters specifically to small and medium enterprises (SMEs)? Mar 4, 2014 Digital Banks, Neobanks and Mobile Banking Why is U.S. commercial banking technology seemingly a decade behind that of other countries I’ve lived in? Mar 2, 2014 Banking and Payments Technology Stack How can I incorporate EFT functionality into my website? Feb 9, 2014 Domestic Payment Rails, National Switches and Clearing Systems Are we considered a money services business if we issue branded prepaid cards usable only within a specific shopping mall (in most states)? Feb 6, 2014 US Money Transmitter Licensing and MSB Registration