5 Traits Companies Should Demand in a Payments Provider
0:09
Hello and welcome.
0:10
I'm your host and moderator, John Briggs.
0:12
I want to thank you for taking the time to join us today as we talked about the critical decision modern businesses face when they select a payments provider.
0:20
During our time together, we'll cover 5 non negotiable traits you should demand from a payments provider in 2024.
0:27
Whether you're a small startup or a fast growing, well established firm, you'll leave this event with a better understanding of how the right provider can help your organization succeed.
0:37
We have additional resources, including in depth insight from the experts you're hearing from today, available for download within this presentation.
0:46
And to make sure we're helping you best evaluate your current or potential providers, we have a chat box where you can submit your comments and questions.
0:55
We'll also cover a few questions at the end of the session with our panel.
0:59
Also, don't worry about taking notes, we we will send a link to the sessions recording and presentation via e-mail over the next 48 hours.
1:08
So let me introduce to you our expert panel.
1:11
Today we have Patricia Montesi, the CEO and Co Founder, Co founder of Colo.
1:16
Patricia has transformed and scaled complex businesses from startups to Fortune 100 companies over the last two decades with roles that have included sales, marketing, operations and technology.
1:28
She Co founded Kolo in 2018 to better serve the payments industry with innovative best in class technology solutions.
1:36
Patricia, welcome John.
1:38
Thanks so much for having me.
1:40
I'm also joined by Benny Pennington, the head of Product and strategy for embedded banking division within Keybanks Commercial Bank.
1:47
He is responsible for product development and strategy for for new solutions and embedded banking and integrated payments, including gateways, platforms, ERP integrations and software solutions for treasury.
1:59
Welcome Benny.
2:01
Well, thanks.
2:01
Sad to be here.
2:02
And again, I'm John Briggs.
2:05
I lead the commercial product and innovation team for Keybank's commercial bank.
2:08
I developed and managed Fintech, treasury, liquidity, merchant and payments products for commercial clients.
2:15
Today, we hope to help each of you evaluate your payments provider and hold them accountable.
2:20
First, we'll set the table by discussing the different types of providers.
2:24
Then we'll draw on the experience of the panel to discuss what businesses once demanded from the providers.
2:31
After that, we'll dive into the five traits modern businesses should demand from a provider in today's market and how those traits inspire next Gen.
2:40
solutions.
2:41
And then we'll wrap up today's session with a quick Q&A.
2:44
Ready.
2:45
Let's get started.
2:46
All right, Benny, let's kick this off with you.
2:49
When we use the term payments providers, what exactly are we talking about?
2:54
Sure, Well, I I put payments providers in three big buckets.
2:57
There's processors, there's Fintechs and there's banks.
2:59
When we're talking about processors, these are the large established companies that do a lot of foundational systems for payments in and out.
3:06
Think companies like Worldpay, Pfizer, American Express, Visa, etcetera.
3:12
They've got a lot of great technology, a lot of infrastructure, but sometimes they lack a personal touch in a really engaged model with their clients.
3:19
The second category is fintechs or big techs.
3:21
These are software companies that have a lot of great technology that serve businesses and and consumers and want to get more into payments, really great at innovation, great at speed of delivery etcetera, but sometimes lack the infrastructure and the experience and detail related to payments that some of the other providers have.
3:39
And then finally there's the banks like KeyBank and so they've got a traditional history of a great infrastructure serving payments and a lot of detail there, but can't always innovate as fast and move at the speed of technology than modern modern payments are going at.
3:52
Patricia, in our recent report which you can download right now on your screen, you said finance departments were in dire need of two things when you were when you and your partners found Niccolo back in 2018.
4:04
Can you talk about those?
4:07
Sure, John.
4:08
We created Kolo in 2018 because we tell two things as our primary objective.
4:12
One was to actually build a payments platform with modern technology and by modern technology we're talking about 100% cloud based infrastructure and platform.
4:21
We're talking about very simplistic APIs and modern design and capabilities and flexibility all built into a platform.
4:30
The second reason we created Kolo was to simplify the journey of payments for whether you're corporate Fintech or a bank.
4:37
The reason we decided to do this is what we saw happening in the marketplace was that there was a demand for multiple payment modalities.
4:44
And in order to build those modalities, folks were often forced into a situation where they had to go build a supplier ecosystem.
4:52
And then the burden shifted to them to manage that ecosystem, put up capital reserves, bring it all together, unify servicing and reconciliation, IE it was a giant headache.
5:03
And the burden for them meant that they couldn't focus on what was really important, their sales marketing and their customers.
5:10
So we created Kolo to solve both of those things by combining payments, Ledger and card, all available in our platform through a single API.
5:20
And we've definitely seen the need for that with our clients that have a lot of those solutions today, but in fragmented experiences with different providers.
5:27
So having a single platform to support that really has a lot of value in the market.
5:32
I want to share a rather provocative statement, Patricia, that you made in in the latest report we publish.
5:38
If the Moat around your offering is it's hard to leave us, you're not really advancing your industry, you're not really helping provide value to your customers.
5:47
Well, flash forward to 2024.
5:50
We're finding companies are much more willing to switch providers.
5:55
In fact, in Accenture's Reinventing commercial Payment study, business leaders revealed how likely they they would be to switch providers if they were dissatisfied with different treasury offerings.
6:08
In fact, 88% said they would let be likely or very likely to switch providers if they were unhappy with the receivable service, 87% would switch if they were unhappy with their payable service and several other services had more than 80% willingness to switch.
6:26
These included things like domestic B2B payments, liquidity management, the ability to expand payment channels and other cash management services including reporting and data dashboards.
6:36
Patricia, I'd be curious of your reaction to these insights.
6:40
What does this say about modern treasury other than businesses are raising their expectations?
6:46
Well, I believe businesses are demanding more every day and back to my provocative quote, I will say that for years you could get away with it and then as a, you know payments professional with 20 years experience, I rode that way for a while.
7:00
But with the advent of technology and cloud based infrastructure, no longer, right?
7:05
It's not worth people's time and effort as as seen by these quotes, right?
7:10
That's a lot of people willing to switch.
7:12
So the switching costs continue to go down over time and if you don't catch up and then you don't embrace new technology or look for your partner to, to truly provide value, you will be left behind.
7:24
Yeah, no, we continue to see that you're a key and I the way I actually describe it is it's the consumerization of commercial payments, the experiences we, you know, we deal with and feel every day as a consumer.
7:37
Those expectations are are bleeding into the commercial space and frankly legacy technology, legacy providers aren't necessarily in the right position to be able to help enable a lot of those experiences.
7:50
Absolutely.
7:51
And you know in my day-to-day life when I compare my consumer oriented payments experience to what CFOs have to handle on the business front with you know X number of FT, ES reconciling X number of accounts, it's painful and that's a problem we need to solve.
8:06
And from a product lens, we've definitely seen the need for our clients to be able to offer them better solutions that keep them content at KeyBank and making sure they're getting the services that they expect as a consumer from the bank.
8:19
Now that we've built the base understanding of who payments providers are, the options available for modern businesses, how much easier it is for clients to switch providers, and why they're likely to switch, it's time to talk about the five traits modern businesses should demand from their payments provider.
8:35
Let's start with scalability.
8:37
A provider should be able to handle the current and future needs of your organization because the business you are today isn't the business you will be in two 310 years from now.
8:48
So it's important to ask yourself, can my provider meet my organization's needs they as they evolve.
8:55
Because according to Accenture's latest commercial payment study, two of the top three pain points businesses have with their providers relate to scalability, including the lack of value added services like data dashboards and integrations, the type of stuff you need as your business grows and difficulty adding new payment methods or currencies.
9:15
Also the stuff you need when your business grows.
9:18
Patricia in your experience, do organizations put enough considerations into the scalability a payment provider offers?
9:26
Well, they absolutely should, John, because it's critical.
9:29
When you think about payments and accessing people's money and funds, the first thing you think about is, is uptime, right?
9:35
And you really have to understand your payment providers ability to scale on demand, right.
9:42
And when you talk about hardware, if there's you know a single piece of hardware can throttle your business in terms of performance.
9:50
So look for partners that are 100% cloud based because that actually enables you to have in line on demand capacity planning.
9:56
So very valuable for you guys to peek under the covers and make sure your providers when they say they're in the cloud, exactly how much is in the cloud.
10:04
The second thing is, you mentioned this right, adding new products or modalities of payments.
10:09
Make sure that your provider isn't going to have to go through a deep coding and plumbing exercise to be able to give you RTP or Fed.
10:15
Now it should be if it's architected correctly.
10:18
It should be a simple outer layer transformation and routing exercise.
10:22
So it should be quick and you're not held back from a road map innovation perspective.
10:27
And we've had clients that have certainly felt that pain before when their business has grown and they've been on an on Prem solution that they've maxed out and then they need to move to something else.
10:35
And then moving to the cloud sometimes is difficult if it hasn't already been on cloud.
10:40
Yeah, I think we can all agree transitions or conversions are hard and and and costly for organizations.
10:48
The next trait to demand, which you may have thought we glossed over in the last slide, is security.
10:53
Your provider should safeguard your funds and the critical data belonging to you and your clients.
11:00
So in evaluating a provider, ask yourself if they can truly protect your financial well-being, your data and, not to be overlooked, your reputation.
11:09
Data from the Association of Financial Professionals shows fewer organizations have dealt with fraud attacks or attempts in recent years, but that's no reason to let your guard down.
11:19
Benny, I'll start with you.
11:21
How does your team and and others at KeyBank think about security threats, the steps clients should take to protect themselves and how a payments provider can facilitate those steps.
11:31
Yeah, this is one of the most critical elements to our team because it's one of the most critical elements to our clients.
11:37
As a bank, being a secure and safe place that they can trust their financial securities to is of utmost importance.
11:45
And so we take a proactive approach, not reactive.
11:47
It's not a matter of when you'll get or if you'll get an attack, but it's just a matter of when.
11:52
And so we try to be very proactive, sharing best practices that we do internally with our clients.
11:58
These are things like protecting your security systems, sharing best practices with your employees.
12:04
This is devices, access management.
12:06
All of these things we we take very seriously.
12:09
We share best practices with our clients and then give them tips on how to alert scams.
12:14
Yeah, I mean there's zero doubt that the fraudsters are always attempting to be one or two or three steps ahead of us.
12:21
And if we don't believe that, then then we're all kidding ourselves.
12:24
And I think that what's important in a provider is also to you know look at what they have to offer you from a perspective of not just data security but anti fraud mechanisms because we truly believe that you need a layered approach to that, right.
12:41
So you need to have some proprietary stuff that sits in your in your platform under the covers and then you need to layer on all these other different tools so that you have the best approach to that because a single tool cannot help you against these types of attacks.
12:56
Yeah, I couldn't agree more.
12:57
Fraud, as you guys both noted, it's a very dynamic thing, constantly evolving.
13:02
And I think finding a partner that you can trust will evolve with that threat is super important.
13:10
With that, let's move on to something else that keeps Treasury professionals up at night, reporting specifically how difficult it is to get the right amount of detail in a reasonable amount of time.
13:20
Which is why businesses should demand transparency from their provider so their team can build meaningful reports.
13:27
This means asking yourself if your provider provides the level of granularity you need to make informed financial decisions, because according to Gartner, 54% of organizations still struggle to provide data and reports stakeholders can rely on.
13:43
With the inability to analyse the past with impactful reporting, it's harder to forecast the future of cash flow.
13:49
As 43% of treasurers told PwC, inner inaccurate forecasting and visibility was a top challenge in 2023.
13:57
To address this reporting and forecasting challenge, Gartner believes 50% of FP and A leaders will have enterprise wide data strategy as a as a responsibility by 2025.
14:09
Benny, what product trends have you noticed to help improve the quality of data available to treasures?
14:16
And what can better reporting mean for an organization?
14:19
Yeah, well, what we've seen is that clients want all kinds of data and everything with it.
14:24
So when it comes to speed, they no longer want weekly or monthly summaries.
14:29
They want it daily or even intraday or even up-to-the-minute whenever possible.
14:33
And then they want data at all levels.
14:35
They want it aggregated at the highest level.
14:37
And then they want to be able to go down to the very granular level and individual transactions as well.
14:42
And everything in between.
14:43
And then ultimately, they want to be able to take insights from the data.
14:45
They want to be able to understand what that does and then give them actionable things they can do as a result of it.
14:52
Yeah, we see it all the time.
14:53
I mean, data is power, right?
14:56
It is insights and you know, it's part of our journey to simplify payments.
15:00
Transparency is part of that.
15:02
Access to real time data is something that we hold dear, near and dear to our hearts because we see that that movement right, where there's never enough data.
15:12
But once you have it sort of teed up in a way that you can get it real time in any and parse it in any way, shape or form, that's really where you're going to be able to show your commercial clients the power of the data that we have.
15:23
Absolutely.
15:24
And it it aligns with our core mission as a as a bank which is helping our our clients run their businesses better.
15:30
I like to say if you can't measure it, you can't manage it.
15:33
So I couldn't agree more.
15:36
A lot of what we've talked about to this point focuses on products, technology, features, capabilities etcetera.
15:43
But the truth is that stuff can fall flat if your provider doesn't value service and doesn't provide accessibility to its support and expertise.
15:52
They can't just be a vendor.
15:53
They need to value the their relationship with you at every step.
15:59
So ask yourself if your provider has been an ally for your organization throughout your entire business journey.
16:05
Because according to Accenture, customer service is the top driver for choosing a payment provider ahead of the costs and fees, ease of integration and even product and technology capabilities.
16:16
Patricia, you've said that choosing a payments provider is not a one time transaction.
16:22
So I have to ask, do these numbers from Accenture surprise you and what does it mean to be an ally for a client from onboarding to implementation to post go live servicing?
16:33
John, I'm not surprised at all.
16:35
I believe you know wholeheartedly that at the end of the day you, you know in order to be a strategic partner to someone, you have to go beyond the the honeymoon phase of the sales cycle and really be a true partner through the life cycle of launching and implementing and scaling that business.
16:52
You know, a technology solution in and of itself is not enough, right Services is something that you should absolutely demand from your providers.
17:00
There has been across our industry a watering down of sort of the talent and the deep level of expertise that can really help navigate you through those potential pitfalls as you go through your journey.
17:12
So just be careful and make sure that you're really understanding the capabilities beyond the sales cycle.
17:18
Yeah.
17:18
And I think from a product perspective, it's really important that we build service into the product from the very beginning, from the initial design to make sure that clients can get the right level of service they need.
17:29
Because right, as the report said, it doesn't matter what the technology is, if it's poor experience, they're absolutely going to leave.
17:35
Couldn't agree more.
17:37
In my experience, payments, financial services, it's complex.
17:41
We talked about earlier how fragmented it is.
17:44
Things go bump in the night.
17:45
I think when you're evaluating your service provider, make sure you truly hear service as part of their core offering.
17:52
I think it's so critical, critically important.
17:56
All right.
17:56
The final trait, this one is unique because if your provider has this, they probably possess the other four vision.
18:04
Your provider should be innovative, forward thinking and willing to provide true value in a rapidly evolving payments landscape.
18:12
So ask yourself if your provider looks around the right corners to understand innovations that could impact the marketplace and provide value to your business.
18:21
This could be anything from APIs, AP and AR automation, digital payment trends to embedded banking.
18:28
Benny, I know your team works hard to look around corners and push the limits of what a bank traditionally offers to its clients.
18:36
How do you do that?
18:37
Sure.
18:38
Well, it's important that we stay in front of the client to talk to them as often as possible.
18:42
And so we're talking to our existing clients and even clients we didn't win about.
18:46
What do they need, what do they want, What do they expect?
18:49
And really diving deep and looking into the industry to see what are those different factors that are out there that could help to fit those needs.
18:56
So we're looking at what our other competitors have as well, whether it's the banks, the fintechs or the other processors.
19:02
We're looking at other geographic markets, what is the new technology that exists in Europe or media or other regions to see what's coming up.
19:09
We also look at what are the latest trends in consumer technology that will probably be coming to business technology later in the future.
19:16
So it's important for us that we keep having a good eye on them, on the market, on the macroeconomic environment.
19:22
We're looking at the regulatory environment and trying to stay ahead of that and anticipate what will be coming 125 years down the road.
19:29
And Patricia, what role does Fintech play in pushing these boundaries and and really supercharging innovation in the financial services place.
19:37
Yeah, I think by our very nature the fintechs really are challenging the status quo, really putting the the pressure on the legacy systems to figure out how to adapt and modernize their technology.
19:51
A note of caution there is, it's hard sometimes to you know take an old system and and bolt things on.
19:57
So be careful when you're looking at your providers and make sure that.
20:00
You understand exactly how they've architected their platform because as the future evolves, it should be very easy if it's designed right, a platform, adding components, adding products should not be a big undertaking and you'll see the a lot of the legacy providers still to to this day, those are not small efforts for them to do and that's something I think that it's important to make sure you understand that.
20:24
Yeah, I couldn't agree more.
20:26
At KeyBank, we embrace Mintech.
20:28
It's the technology that makes banking better and easier for our clients.
20:32
Our Fintech strategy is an extension of our core strategy, which is serving our clients.
20:37
We look at it as a way to advance our product road map in a short period of time.
20:42
We choose our Fintech relationships carefully based on how they can help our clients, how they fit with our culture and how they share our vision.
20:50
Our Fintech partnership strategy is based on four key pillars.
20:54
Commercial partnership to leverage each other's strengths and expand our market reach.
20:58
Equity investment to support their growth and innovation and sharing their success.
21:04
A joint road map to Co create and deliver solutions and integrate them into our core product portfolio.
21:10
And lastly, cultural exchange to foster a culture of innovation and transformation within our organization.
21:17
To put it simply, we establish relationships with organizations that can help our clients achieve their goals.
21:23
For us, creating relationships with Fintech, fintech organizations is an effective method for tapping into fresh innovative ideas and we're a better bank for it.
21:33
All of this is to say we're beyond excited to talk about Keybank's latest product launch, Key virtual account management or key VAM.
21:42
We developed this solution in partnership with Patricia and the Kolo team and we believe it's a game changer in banking technology.
21:49
Key VAM allows you to manage a set of virtual accounts that are linked to a single physical account for enhanced money movement.
21:55
This means near instant virtual account opening and closing and ultra efficient reconciliation.
22:02
To better illustrate how the product works, I'll have Benny, whose team work tirelessly to bring Key VAM to our clients, walk through some key pieces.
22:10
Key VAM does all of this through sub accounting.
22:13
Sub accounting means that there are sub accounts underneath the parent account and any deposits they cap in at the sub account level are mirrored at the parent account level and vice versa.
22:22
This is also the same for transactions.
22:24
Any incoming or outcoming transactions that occur at the parent account level also occur at the sub account level.
22:30
This allows for auto reconciliation of all the transactions that come into the parent account by pushing them to the sub accounts.
22:37
You can also see the data at any of the levels necessary at the parent account.
22:41
We're seeing the granular level data at each sub account level.
22:46
With Keyvam.
22:46
Balances are updated in real time.
22:49
This means when payments come in you will see balances updated and when payments go out you will also see those balances updated.
22:55
You also be able to see each transaction and see all the demographic information and reconciliation data for each individual transaction within any of the sub accounts.
23:07
With Keyvam clients have the ability to open and close their own sub accounts near instantly.
23:13
This means within the tool there are self-service options that allow them to go in and open their own sub accounts for any purposes they need within the tool natively.
23:22
The tool also allows for interest pass through to be set at the sub account level which means clients that have different needs for different interest rates on their clients or their different business units can establish that within the tool and establish their own pass through and interest rate levels.
23:39
Keybam has a user interface that you just saw but also has a robust set of APIs that clients can use.
23:45
So whether this is a technology company or any large corporation that wants to embed this technology within some other accounting or software platform, we've got flexible tools in an easy to integrate API tool set that will allow them to do a variety of transactions and everything that you saw before completely on their own using these API technology.
24:04
Let's move into the Q&A section.
24:06
Patricia, our first question here that we got for the audience I'm going to pass over to you as a Fintech partner working with a bank.
24:14
What's in it for your organization?
24:17
Yeah, I mean, John, if you think back a few years, it wasn't really uncommon for fintechs to be seen as sort of versus banks.
24:24
And I think you know as the markets changed over the last few years, forward-looking banks are looking for those partnerships embracinging that new technology.
24:34
And I think what's cool about our relationship is that we have aligned visions and together we can innovate beyond VAM, even key VAM.
24:45
So what are we?
24:45
What we're building and putting in place, we can actually use to leverage and power all of our clients etcetera.
24:52
So what's in it for us, It makes us stronger and makes us a valued partner for you know, a top financial institution.
25:00
It brings validation to the thesis that was behind the creation of COO.
25:05
So it for us it's very strategic partnership that will enable us to do as much as we want in the future.
25:14
Yeah Benny Speaking of future, this next question from the audience.
25:18
I think it would be great to hear your perspective on at what point does it make sense for my business speaking from the the the questioners perspective here to leverage of AM solution.
25:30
Like can you give just illustrate for the audience here some of the primary use cases you're you know you're you're seeing or we're anticipating to deliver here.
25:39
Sure.
25:39
If I'm a business client, some of the pain points that might have me look at Key BAM as a solution would be if I've got a lot of difficulty managing dozens or even hundreds of accounts, or if on a monthly basis I have to open and close a number of accounts on a regular basis, Key VAM would definitely be able to make that process simpler for you.
25:58
Or if you need to be able to open new accounts quickly and instantly, Key VAM is probably the right solution for you.
26:05
If you're a real estate client that needs to better segregate or create a better process for the segregation of funds across different properties or security deposits or different functions, that's a great use case.
26:15
If you're a technology company that is holding funds for other parties and you need to keep that those funds segregated without Co mingling, this would be a good solution for you.
26:24
Makes a ton of sense.
26:26
And Benny, apologies, I'm going to keep you in the hot seat here.
26:28
Sure if I work in accounts receivable, how would the VAM solution impact my day-to-day?
26:35
Sure it's going to make your day-to-day a lot simpler.
26:38
So every time you receive a payment instead of having to if you're receiving an omnibus account.
26:44
Let's say I'm an accounts receivable person today and I've got an omnibus account with a lot of different payments coming in and out for a lot of different things.
26:51
Instead with key VAM, I'm going to open one account and see everything for my east region in one account and be able to auto see every payment that came in there.
26:59
Or if I've got invoices that I need to know whether or not it were paid they were paid, I can go to the sub account just for that vendor and make sure that I paid every invoice for there.
27:08
Or if I'm receiving payments from a customers, I can go to a sub account for that customer and see every payment that happened right there.
27:15
So it's going to make the process of investigating which payment was for which client or which use case, or which region or which department.
27:23
You separate it out automatically for yourself.
27:25
So the key is creating transparency and delivering transparency creates more simpler automated processes, keyword simplify.
27:37
So the spirit of this next question is around the vetting process of church.
27:42
I'm actually going to give this one to you.
27:45
As a fintech in a provider, I think it's fair to say you've been evaluated a few times, whether it's by banks, Oregon, other fintechs or platforms.
27:54
What have you seen or experienced as being the provider being evaluated as some of the best practices?
28:01
Sure.
28:01
And I think you know as a bank, often times your your vetting processes akin to a formal RFP.
28:09
But even if you don't conduct a formal RFP, even an informal RFP is something that is is critical because these are long term serious contracts that you're entering into.
28:18
So don't take anything lightly.
28:20
Dig deeper around these five traits.
28:24
Ask for client references.
28:26
Do try me.
28:26
AP is get us, get your engineers to say is what they're saying it's happening on the platform really true.
28:33
You walk around trade shows and everyone says they can do everything 247365.
28:38
So be careful, make sure you spend enough time because it is indeed a very serious decision that you're making and I hope you know some of these traits and and the are are things that are on your next RFP, right.
28:49
I think that I think it's smart of of folks to be able to incorporate that.
28:54
That's all the time we have for today's session.
28:56
I want to thank Patricia and Benny for being here today as well as Tech Crunch for hosting us and allowing us to share our expertise with this audience.
29:04
For those in attendance, you will receive a recording of the session as well as a copy of the presentation.
29:09
If you have any question about Keybank's mission to help our clients grow and run their businesses better, please contact the payments advisor, advisor, relationship manager or banker or visit key.com/commercial.
29:21
With that, on behalf of KeyBank, thank you for joining us and have a great day.
Whether you have a start-up or an established business, the processes behind making payments and managing cash flow can be expensive, complicated, and labor-intensive.
That’s why it’s important to have the right payments provider to help guide you through your journey and empower growth. But how do you know which provider is up for the task? Do you know what features and benefits you should expect in today’s market? Are sure your provider can meet your organization's needs as they evolve?
In this webinar, hosted by TechCrunch and sponsored by KeyBank, longtime payments experts discuss the five traits that modern companies should demand from a payments provider. Listen in to hear about what traits you should consider when choosing the right provider to enable your organization’s success today and into the future.
Interested in hearing more about payments solutions at KeyBank? Talk to a Payments Advisor today.