North America
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
Why do U.S. banks ask customers to explain why they are withdrawing funds?
Apr 1, 2014
AML Programs, KYC and Compliance Operations
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
Which payment gateways are recommended for accepting online payments from U.S. customers?
Feb 6, 2014
Merchant Accounts, Processors and Gateways
Is there a U.S. bank or credit union that lets customers set automatic ACH limits for specific counterparties?
Feb 6, 2014
Domestic Payment Rails, National Switches and Clearing Systems
Why does sending money from a U.S. bank to a European bank take so long?
Jan 10, 2014
International Wire Transfers and Large Transfers
What is a reliable online bank in the U.S. that also works well internationally, aside from HSBC?
Jan 8, 2014
Personal and Consumer Finance, Budgeting and Saving
How long are US banks required to retain customer account history for legal purposes?
Jan 2, 2014
AML Programs, KYC and Compliance Operations
Are U.S. financial institutions restricted to issuing only stored-value cards?
Jan 1, 2014
US Money Transmitter Licensing and MSB Registration
Can I open a U.S. bank account if I am about to relocate there for work?
Dec 12, 2013
Opening Bank Accounts, Personal and Business
How can I move money instantly from one U.S. bank to another U.S. bank?
Dec 12, 2013
Domestic Payment Rails, National Switches and Clearing Systems
Which PayPal alternatives are available for personal payments in the U.S.?
Nov 1, 2013
Digital Wallets, Mobile Money and P2P Payments
What PayPal alternatives exist for personal peer-to-peer payments in the US?
Nov 1, 2013
Digital Wallets, Mobile Money and P2P Payments
As an Australian living in Australia, how can I open a U.S. bank account without traveling there, or open any other international account?
Oct 11, 2013
Opening Bank Accounts, Personal and Business
Do money-transmission laws apply to gift-giving businesses that distribute cash gifts?
Sep 8, 2013
US Money Transmitter Licensing and MSB Registration
Will the $100M MoneyGram penalty encourage the payments industry to treat AML compliance more seriously?
Aug 11, 2013
Regulators, Enforcement and Regulatory Change
How does an app enable transfers between two different bank accounts?
Aug 11, 2013
Domestic Payment Rails, National Switches and Clearing Systems
What are the initial steps required to start a business in the United States?
Jul 11, 2013
Law, Contracts, Terms of Service and Legal Structures
How can a startup in the U.S. accept credit card payments without a Social Security number or credit history?
Jul 5, 2013
Merchant Accounts, Processors and Gateways
How can a startup accept credit cards in the US without an SSN or credit history?
Jul 5, 2013
Merchant Accounts, Processors and Gateways
Which U.S. banks offer free incoming international wires and have their own SWIFT code?
Jul 2, 2013
International Wire Transfers and Large Transfers
Are there US banks that offer free incoming international wires and maintain their own SWIFT codes?
Jul 2, 2013
International Wire Transfers and Large Transfers
Could electronic checking cause credit cards to lose market share?
Jun 12, 2013
Card Networks and Card Issuing
What online payment solutions work best for a U.S. startup with low volume and small transactions?
Jun 11, 2013
Developer Tools, APIs, Sandboxes and Open Source
What are the main issues with the U.S. Money Service Business model?
Jun 4, 2013
US Money Transmitter Licensing and MSB Registration
What is the best travel card for an Indian student visiting the U.S. for a three-month externship?
Jun 2, 2013
Credit, Debit and Prepaid Cards
What are the ways to register a U.S. company and open a business bank account without traveling there?
May 12, 2013
Opening Bank Accounts, Personal and Business
Online Payments: What is the typical chargeback rate for U.S. merchants?
May 7, 2013
Credit, Debit and Prepaid Cards
Why do major payment processors all charge roughly the same fee (2.9% + $0.30)?
May 5, 2013
Payment Operations, Pricing and Fees
Seeking an attorney who can assist our client (a Sri Lankan bank) with registering as a money transmitter in New York and eventually other states. Any recommendations?
May 4, 2013
US Money Transmitter Licensing and MSB Registration
Can anyone recommend a lawyer to help a Sri Lankan bank register as a money transmitter in New York (and later other US states)?
May 4, 2013
US Money Transmitter Licensing and MSB Registration
If I run a Canadian business selling digital products on a U.S. platform, am I responsible for collecting sales tax from Canadian customers?
Apr 11, 2013
Tax and Financial Reporting
Are current anti–money laundering rules helping or harming the U.S. financial system?
Apr 4, 2013
AML Programs, KYC and Compliance Operations
Is it safe to give someone your bank wire details?
Apr 3, 2013
Fraud and Scams
Do any U.S. banks or credit unions allow customers to hold accounts in foreign currencies?
Mar 10, 2013
Opening Bank Accounts, Personal and Business
Which U.S. banks provide euro-denominated bank accounts?
Mar 5, 2013
Opening Bank Accounts, Personal and Business
Why should we trust that small U.S. businesses can generate sufficient employment?
Feb 2, 2013
Economics, Inflation and Monetary Policy
Can U.S. bank account numbers include alphabetic characters?
Feb 1, 2013
How Banks Work
Which online service is most cost-effective for registering multiple S/C-corporations in the U.S. and obtaining EINs?
Dec 7, 2012
Law, Contracts, Terms of Service and Legal Structures
Which U.S.-based independent payment gateways are considered the best?
Dec 6, 2012
Merchant Accounts, Processors and Gateways
How does Xoom transfer funds from a U.S. credit card to a Mexican bank account?
Nov 9, 2012
Sending and Receiving Money Abroad
How does Xoom process a transfer from the US to a foreign bank account such as one in Mexico?
Nov 9, 2012
Sending and Receiving Money Abroad
What’s the best way to ship business products efficiently and cost-effectively?
Nov 8, 2012
General Finance Questions
What are good options for a U.S. startup with low volume and ticket size to accept online payments?
Sep 10, 2012
Merchant Accounts, Processors and Gateways