A free idea for some new Y-combinator payments startup The market needs a simple application service on top of recurring ACH debits (which are called PADs here in Canada). It would be a money maker for the banks, a boon for billers, and put control and transparency back in the hands of consumers. If you [...]

NACHA recently hosted its annual Institute of International Payments at the Federal Reserve Bank in Atlanta, Georgia (Nov. 17-19, 2009). As hyperWALLET‘s Director of Treasury, I was delighted to attend this conference to learn from both peers and industry. Despite a rather small group just shy of 60 participants, the session leaders did not disappoint; [...]