Kathrine Pensatori

Product Specialist at United Thinkers

Product specialist with more than 10 years of experience in the Payment Processing Industry. I help payment facilitators and PSPs solve their various payment processing issues. On a regular basis, I work with a team of knowledgeable technical people in the space, and I am passionate about finding creative solutions to the challenges presented by the Payments Industry.

I would be happy to help with any questions you might have regarding credit card payment processing, merchant services, EMV certifications, the various ways of becoming a payment facilitator or a payment platform, as well as any other Payment Industry related issues you might be struggling with. Feel free to follow me on Quora, and don’t hesitate to send me links to the specific Quora questions you would like me to answer.

Latest articles from Kathrine Pensatori
ACH Return Codes and Best Ways to Handle Them

ACH Return Codes and Best Ways to Handle Them

ACH return codes remain in focus of both analysts and businesses. Plenty of businesses in the US process ACH payments on daily basis. Acceptance of ACH payments presents businesses with various questions, some of which we will try to discuss here. The typical common [...]

Recurring Revenue Business Model

Recurring Revenue Business Model

Recurring revenue management is an essential aspect of any subscription-based business. Recurring revenue analysis provides many important clues and insights into the company’s operations. It is one of the decisive factors of a subscription-based company’s valuat [...]

Web Tokens as an Important Embedded Payments Feature

Web Tokens as an Important Embedded Payments Feature

In several previous articles we have described the embedded finance model and some of the key embedded payments features. In this article we would like to address the importance of support for web tokens within embedded payment solutions. Nowadays, platforms become m [...]

Web Hooks as a Powerful Embedded Payments Feature

Web Hooks as a Powerful Embedded Payments Feature

In our previous article we outlined the history and key flavors of embedded finance. As we explained, software platforms and vertical SaaS companies benefit significantly from embedded payments. Embedded finance provides greater control over the process and diverse p [...]

Payment Gateway Comparison Revisited

Payment Gateway Comparison Revisited

Payment Gateway Comparison Guide for Different Businesses We addressed payment gateway comparison factors in our first articles on Paylosophy. All companies that want to accept electronic payments should be able to compare payment gateway options with each other. Cho [...]

Embedded Finance for Your Business

Embedded Finance for Your Business

Embedded Payments Implementation Tips for Businesses          Embedded finance is a hot Fintech topic. Many are looking for ways to monetize embedded payments within their companies. In our previous articles we covered many tec [...]

How PayFac Model Increases Your Company’s Valuation

How PayFac Model Increases Your Company’s Valuation

Why PayFac model increases the company’s valuation in the eyes of investors In many of our previous articles we addressed the benefits of PayFac model.  In a comprehensive white paper on the subject we explained PayFac meaning and how to become a payment facilitat [...]

Healthcare Payment Solutions for Merchants and Platforms

Healthcare Payment Solutions for Merchants and Platforms

In this article we will explain and illustrate the benefits of integrated healthcare payment solutions. Healthcare industry is rapidly embracing electronic payment functionality. So, many healthcare specialists and platform providers are wondering which payment solut [...]

Payment Solutions for African Merchants

Payment Solutions for African Merchants

We often get questions from African businesses searching for payment solutions, which would allow them to process electronic payments internationally. So, in this article we will try to outline the key options available for and problems faced by African merchants. &n [...]

Global Payment Solutions for Indian Platforms

Global Payment Solutions for Indian Platforms

Challenges of Implementing E-commerce and Online Payment Solutions in India In some of our articles we outlined the major issues that Indian merchants face when implementing international payment solutions. In this article we will try to explain, how a company can bu [...]

How SaaS Platforms Can Save on Payment Monetization

How SaaS Platforms Can Save on Payment Monetization

Payment Monetization: Savings and Indirect Costs Traditionally, software-as-service platforms did not provide merchant and processing services. Merchant services were provided by ISOs and other intermediary entities. Presently, however, SaaS platforms are in position [...]

Payment Monetization for SaaS Companies

Payment Monetization for SaaS Companies

Payment monetization tactics for software-as-service business segment For a long time, payment monetization remained beyond the horizon of SaaS companies’ operations. Software-as-service platforms did not include merchant services within the scope of their activiti [...]



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