Business at the Periphery: Opportunities Around the Transaction


New Mercator Advisory Group report identifies niche business segments around the actual settling of payments. Many new entrants are seizing on business opportunities around the core transaction process, deriving revenue from value-added services they provide merchants and shoppers.


Author: Jeffrey Green
Published on: April 11, 2013


As they review their own operations, much of which revolves around a commoditized merchant-acquiring market, the transaction incumbents – merchant processors, card networks and issuers – should take note of such companies as they consider ways to diversify to generate revenue (either through building their own competing products or by partnering with or acquiring existing firms to gain a piece of the action).

Mercator Advisory Group’s new report, Business at the Periphery: Opportunities Around the Transaction, identifies various markets where before, during and after the transaction companies finding ways to make money from payments without actually are becoming involved in transaction settlement.

“The ‘payments business’ has evolved well beyond just simple commerce,” says Jeffrey Green, director of Mercator Advisory Group’s Emerging Technologies Advisory Service and author of the report. “Entrepreneurs have identified a plethora of niche areas around the transaction to earn a living, primarily through products and serves that enhance the experience merchants and shoppers have when they interact.”



Highlights of the report include:

  • An overview of business categories not directly involved in the payment settlement but whose livelihood is dependent on the payment experience
  • A sampling of specific companies operating in those business categories
  • An analysis on whether these companies or business areas pose a threat, or an opportunity, for core players in the transaction-settlement process

This report is 20 pages long with five exhibits.

Companies mentioned in the report include: 1Password, 2nd Source Funding, 403Labs, Accertify, Access Rewards, AccountNow, Adyen, Aeris Secure, Alaska Air Group, American Airlines, American Express Co., American Microloan, AmeriMerchant,, Arroweye, BC Funding, BeachCouponDeals, Braintree Payment Solutions, Buck, Capital One Financial, Cardfree, Cartera Commerce, Cash Back, CEO Global Enterprises, Chargeback Guardian, Chase Paymentech Solutions, Citigroup, Clear2Pay, ClickFox, Clk Clk, Coalfire, CoffeeTable, comScore, ControlScan, Coretex MCP, CrowdTilt, Dashlane, Delta Air Lines, Deutsche Bank, Elavon, eScrip, Euclid, Euronet, FatWallet, Fexco, First Data, First Trade Union Bank, Fiserv, Fisoc Buzz Points, FiveStars Merchant Toolkit, Foursquare, FoxyCart, Frontier Airlines, Giftango, Global Payments, Google Catalogs, GroupM, Groupon, Heartland Payment Systems, Hukkster, IDology, iDine, IDology, inStream, Intuit, InvoiceASAP, Invoices Made Easy, Janrain, Kantar Shopcom, LastPass, LevelUp, LinkConnector, LivingSocial, Loylogic, MasterCard, mCatalog, MerchantPost,, mobileStorm, Monex, Mozido, MPO International, Mr. Rebates, Network Merchants, Neustar, NexTag, OneID, OneLogin, OnTrack Software, Openbucks, Opticard, Oracle, Parago, PayLeap, PayPal, PerksPoints, Placecast, Planet Group, Planet Payment, Plastic Jungle, Plastiq, PointShop, Preferred Patron, PriceGrabber, Privy, PunchTab, RealWinWin, RewardsNOW, RoboForm, Rocketgate, Saepio MarketPort, Salt Technology, SAP, SAS,, Seconds, SecureKey Technologies, SecurityMetrics, Sentext,, Shopzilla, Sionic, SmartReceipt, Soldsie, Source Technologies, Sparkfly, Spently, SplashID, Stage of Life, Storeplacer, StreetSavings, Stripe, Sweetgreen, Swift Exchange, Switchfly, Synapse Group, Thanks Again LLC, TheFind, TrialPay, TSYS Accounting, US Airways, USAepay, Veratad Technologies, Visa, W.A. Fisher, World Pay, Wrapp, YCD Multimedia, Young America, Your Chargeback Support, Your Choice Rebates

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



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