Payment Trends

RamenApps Analysis

Payment, when it comes to trends, is about the various methods and technologies that help individuals and businesses transfer money from one place to another. With the rise of fintech and the growing adoption of online transactions, we're seeing an increasingly diverse range of payment options, from apps like PayPal and Cash App to QR code payments and embedded finance. Businesses are also looking for ways to streamline their payment processes, with platforms like Klarna and Affirm offering short-term gains and BNPL options. There's even a growing interest in central bank digital currencies and the potential they hold for the future of financial transactions. Overall, it's clear that the world of payment is constantly evolving, with new players and technologies emerging all the time.

Related tags to Payment

5 Years

Monthly Searches

Optum

Topic

Optum is a health services innovation company committed to making healthcare work better. They aim to provide better experiences, better health, and lower costs for their customers. Optum offers healthcare financial products, including health savings accounts, flexible spending accounts, and stop loss services. They also provide prescription delivery services. Optum is a part of UnitedHealth Group, which has two distinct business platforms: Optum and UnitedHealthcare. Optum delivers care aided by technology and data to achieve better health, empowering people, partners, and providers with the guidance and tools they need. Optum isn't an insurance plan but is a group of doctors who contract with most major health insurance plans. They provide care directly through local medical groups and ambulatory care systems. They offer primary, specialty, urgent, and surgical care to 102 million consumers. Optum is dedicated to modernizing the healthcare system and improving the lives of people and communities. The relationship between Optum and UnitedHealthcare is cohesive, and their goal is to offer an array of health services and benefits. Optum is also known for owning various companies in the healthcare industry.

Monthly searches:
301,000
Competition:
LOW

Accelerating

Global Lending Services

Global Lending Services LLC (GLS) is an Atlanta based automotive subprime lending company that provides financing to franchise auto dealerships throughout the United States. GLS was founded by auto industry veteran, Douglas Duncan and is partnered with New York-based investment firm, BlueMountain Capital Management. If you're looking for an auto loan, GLS is a good option to consider. They are a reputable company with a long history of helping people with their auto financing needs. However, it's important to note that you need to have good credit to qualify for the best terms with GLS. If your credit score is less than 670, you may not be able to get the best terms on your loan.

Monthly searches:
110,000
Competition:
LOW

CrossCountry Mortgage

CrossCountry Mortgage is a mortgage lender that offers a variety of home loan options for people looking to buy or refinance their homes. It is licensed in all 50 states and is a direct lender and approved seller and servicer by Freddie Mac, Fannie Mae, and Ginnie Mae. The company allows for online applications, and their mortgage estimates are only binding on the day they are issued. Additionally, the company has received mixed reviews, with some customers claiming they experienced delays and extra fees. CrossCountry Mortgage offers career opportunities for individuals with varying levels of professional experience. The company is active on Instagram and has been recognized as a Top 5 Retail Mortgage Lender.

Monthly searches:
90,500
Competition:
LOW

Next Insurance

Next Insurance is an online insurance provider for small businesses founded in 2016 and based in Palo Alto, California. They offer customizable coverage for a range of small businesses such as personal trainers and general contractors. They provide live digital certificates and a highly rated mobile app for managing policies, as well as affordable rates and a variety of coverage options. The company was co-founded by CEO Guy Goldstein, Alon Huri, and Nissim Tapiro.

Monthly searches:
74,000
Competition:
LOW

Accelerating

Sunbit

Sunbit is a financial technology company that provides a pay-over-time solution for everyday needs. Their technology is used by thousands of people to help cover unexpected expenses. Sunbit aims to approve 90% of applicants with fair rates and transparent terms. It is a buy now, pay later option that is available at participating merchants, with no late fees, origination fees, or penalties. Sunbit is a great option for individuals with credit scores below 600, as they prioritize accessibility for a wide range of consumers. Additionally, Sunbit reports to credit bureaus, so it can impact the credit of individuals who miss payments. Overall, Sunbit offers a convenient and flexible way to manage expenses and make purchases more manageable for consumers.

Monthly searches:
60,500
Competition:
LOW

Accelerating

Instagram Anonymous Viewer

An Instagram Anonymous Viewer is a service or app that allows users to view and download Instagram Stories, highlights, videos, photos, and avatars without others knowing. It enables users to browse Instagram anonymously and without needing to log in or create an account. Some Instagram anonymous viewers are free, while others require payment or subscription. Users can access the service on any device, and some of them offer original quality content downloads. However, using third-party apps to anonymously access Instagram stories can be risky and may violate Instagram's terms of use. Some ways to view Instagram stories anonymously include turning on airplane mode or using the close friends list feature.

Monthly searches:
33,100
Competition:
LOW

Accelerating

Zelis

Topic

Zelis is a company that specializes in modernizing the healthcare financial experience through data, insights, and solutions. They offer a connected platform that enables users to identify, optimize, and solve problems holistically. Zelis provides claims cost and payments optimization solutions to healthcare providers and payers. The company also offers medical billing software called Zelis Payments, which allows businesses to track sales data and accept payments in one place. Zelis is not a health insurance company, but they work with healthcare stakeholders to simplify the financial experience for all. Enrolling for ERAs with Zelis Payments is free and can be done online. David Zelis, MD, is a Pediatrics physician at WellSpan Pediatric Medicine - South Queen Street, York, PA, but it is unknown if he is related to Zelis, the company.

Monthly searches:
27,100
Competition:
LOW

Melio

Melio is a fintech company based in New York that offers a digital platform for businesses to manage their accounts payable and receivables. The platform allows businesses to pay vendors, suppliers, and contractors in a variety of ways, including bank transfers, debit cards, and credit cards. Melio also offers features such as setting up recurring payments and tracking spending. The company was founded in 2018 and is owned by Matan Bar, Ilan Atias, and Ziv Paz. Melio is a free service for businesses and aims to maximize cash flow while minimizing busywork. Payments are usually processed within a day, and the company operates in both New York and Tel Aviv.

Monthly searches:
27,100
Competition:
LOW

How to Make Money Amazon

To make money on Amazon, there are several proven methods that sellers can use. Private label sales using Amazon's Fulfillment by Amazon (FBA) network is one of the best ways to make money on the site. Sellers can find a product that they can source at a low cost and then sell it for a higher price on the site. They can also bundle products together or negotiate discounts with suppliers. Additionally, sellers can advertise Amazon products on their website and earn referral fees on sales. The key to success is optimizing product listings, titles and pricing to attract potential buyers. Overall, there is a big opportunity to make money on Amazon as around 67% of Amazon's total unit sales come from third-party sellers.

Monthly searches:
9,900
Competition:
MEDIUM

GCash

Topic

GCash is a mobile wallet app available in the Philippines that allows users to pay bills, buy load, send money, shop and more. It was introduced in 2004 and is owned by Mynt, a joint venture between Ant Group, an affiliate company of the Alibaba Group, and Globe Telecom. The app allows users to enjoy cashless transactions with over 400 billers. GCash is also available overseas for Fully Verified users and has partnered with three online platforms in the United States. Additionally, GCash can be used in Nigeria by following a four-step process that involves dialing *143#, entering the option for GCash, registering, and setting and verifying an MPIN.

Monthly searches:
9,900
Competition:
LOW

First Help Financial

First Help Financial is an innovative and fast-growing auto finance company that has been serving customers with limited access to financial services for over a decade. They offer fairly priced auto loans to consumers who are typically overlooked by traditional financial institutions. The company provides affordable health insurance, tuition reimbursement, 401k match, and other benefits to their employees. First Help Financial is known for its focus on customer care and providing solutions to those who are underserved in the financial industry. They have a mobile app for convenient payment options and customer service communication.

Monthly searches:
6,600
Competition:
LOW

Accelerating

Real Money Games

Real Money Games are games that offer a chance to earn real cash prizes, either through winning games or completing certain tasks like watching ads or filling out surveys. These games can be found on mobile apps and websites and include popular options like bingo, slots, and card games. There are a variety of Real Money Games available, but it's important to note that not all of them are legitimate and some may be scams. Additionally, the legality of Real Money Games varies by state and country. Overall, Real Money Games offer an opportunity for players to potentially earn money while enjoying their favorite games.

Monthly searches:
5,400
Competition:
MEDIUM

Accelerating

Private credit

Topic

Private credit refers to the asset class of privately negotiated loans and debt financing from non-bank lenders. It includes loans to small businesses and consumers, as well as lending to middle-market companies that are not publicly traded or issued. Private credit provides a way for businesses to raise capital, with investors lending money to companies in exchange for interest payments and the ability to impose covenants and collateralization on the loan. Despite its categorization as an illiquid asset class, private credit has the potential to deliver higher returns than other fixed-income instruments, with lower default and loss rates. It can enhance returns, reduce volatility, and improve the income potential of traditional investment portfolios. However, investing in private credit carries risks, and it may not be suitable for risk-averse individuals or those in need of immediate access to their capital. Overall, private credit offers a potentially powerful complement to traditional fixed income strategies, offering incremental income generation and potential resilience.

Monthly searches:
5,400
Competition:

Accelerating

Floating interest rate

Topic

A floating interest rate refers to a variable interest rate that changes over the duration of a debt obligation, such as a loan, bond, mortgage or credit. It is tied to an index and fluctuates depending on market conditions and the economy. This rate is usually lower than a fixed rate, which is why banks offer it at a lower cost compared to fixed rates. A floating rate also has the potential for unexpected gains but comes with higher risk. Floating Rate Notes (FRNs) are investments that offer a low-risk investment opportunity, while the floating interest rate formula is a calculation used to determine variable pricing on debt. When it comes to choosing between floating or fixed interest rates, it depends on personal preference and the financial situation.

Monthly searches:
880
Competition:

Contract for difference

Topic

A Contract for Difference (CFD) is a financial contract between two parties, typically a buyer and a seller, where the seller will pay the buyer the difference between the current value of an asset and its value at the time the contract is made. This allows investors to speculate on price movements in various financial markets without actually owning the underlying asset. CFDs are traded on margin, meaning investors can leverage their positions to potentially increase profits or losses. They are popular due to their flexibility, ease of access, and ability to trade on a wide variety of assets such as stocks, commodities, and cryptocurrencies. However, CFDs also come with risks, such as the potential for high volatility and the possibility of losing more than the initial investment. Overall, CFDs can offer both opportunities and challenges for traders looking to make profits in financial markets.

Monthly searches:
880
Competition:

Payment Platform

Payment platforms are software applications that allow merchants to accept various forms of electronic payments, such as credit cards, online payments, and more. Popular payment platforms include Stripe, PayPal, Square, and others. These platforms help businesses simplify payment processing, improve data security, and minimize risks associated with accepting payments. By using payment platforms, businesses can scale faster, increase their online sales, and provide a convenient and secure payment experience for their customers. Payment platforms play a crucial role in e-commerce, enabling businesses of all sizes to accept payments online and in-person seamlessly.

Monthly searches:
880
Competition:
MEDIUM

Accelerating

Payment Reconciliation

Payment reconciliation is the process of comparing internal transaction records with payment receipts or account statements to verify accuracy and ensure that all financial records are true, consistent, and up-to-date. It involves cross-checking expenses and payments on bank statements against internal documentation to ensure that finances are correct. The main objective is to identify any discrepancies and reconcile them to ensure that all records tally. This process is crucial for businesses to maintain accurate financial records and avoid errors or fraud. Payment reconciliation can involve different types of reconciliations, such as accounts payable reconciliation, where balances in various financial records are compared, and payment posting reconciliation, where internal financial records are compared with bank statements to ensure accurate accounting. Overall, payment reconciliation is a fundamental accounting process that ensures the integrity and accuracy of an organization's financial transactions.

Monthly searches:
720
Competition:
LOW

JazzCash

Mobile payment company

JazzCash is a Pakistani mobile wallet, mobile payment, and branchless banking service provider. It was formerly called MobiCash and was launched in partnership with Mobilink Microfinance Bank in 2012. JazzCash has a market share of 64 percent in mobile money activity in Pakistan. Users can send and receive money through mobile accounts or from agents located throughout Pakistan. It is available to any person with a valid NADRA CNIC, and payments can be made to any bank connected to the 1-Link network. JazzCash is a fully automated system, offering real-time payment and a unique transaction ID for proof of payment. Users can also pay utility bills and recharge their mobile accounts through the JazzCash app.

Monthly searches:
590
Competition:
LOW

Accelerating

Payment Trends

Trending markets, companies, and products