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    This individual Note Emerging Low-Cost and No-Cost Online Payments Impact on Traditional B2B Fee Structuresis available for purchase. This Note is available to members of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. Please be advised that this Note is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Note contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

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Emerging Low-Cost and No-Cost Online Payments Impact on Traditional B2B Fee Structures

New research from Mercator Advisory Group considers Emerging Low-Cost and No-Cost Online Payments’ Impact on Traditional B2B Fee Structures.

Boston, MA – March 11, 2014 – The paradigm is shifting for payments. New market entrants threaten to disenfranchise legacy systems for business-to-business (B2B) payments because emerging person-to-person or peer-to-peer (P2P) solutions are efficient, easy to use, and for the most part FREE. Mercator Advisory Group's newest Research Report, Emerging Low-Cost and No-Cost Online Payments’ Impact on Traditional B2B Fee Structures, examines why banks need to innovate to reduce the costs for B2B payments or risk losing business customers. More and more merchants and other companies are likely to initiate a tender shift from ACH and commercial card to P2P-like applications.

“Call it what you want–disruption, displacement, disenfranchisement. The fact is that the emerging person-to-person (P2P) mobile payment solutions are shaping the way that consumers pay one another,” comments Amy Hoke, Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service and author of the research. “Growing adoption of these payment solutions is bound to influence commercial buyers and suppliers to look for similarly efficient and cost-effective ways to pay one another for business.”

The report is 11 pages long and contains 2 exhibits.

Companies mentioned in this Research Note include ClearXchange, Dwolla, Moven, PayPal, Popmoney, and Simple.

Members of Mercator Advisory Group's Commercial and Enterprise Payments Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.


Highlights of the report include:

  • The shift in the payment paradigm

  • Acceleration of the transformation to Banking 2.0

  • Fee costs in current automated B2B payment structures for buyers and suppliers

  • Profiles of emerging online P2P payment providers clearXchange, Dwolla, and Popmoney