Pay Theory Blog
Insights, references, and stories to guide your approach to payment acceptance and money movement.

A New Merchant Portal Experience
A New Merchant Portal Experience
A New Merchant Portal Experience

Unifying the District Experience
Unifying the District Experience
Unifying the District Experience

SaaS Platforms Guide to Healthcare Payments – 2025
SaaS Platforms Guide to Healthcare Payments – 2025
SaaS Platforms Guide to Healthcare Payments – 2025

What is SOC 2 Compliance and Why it Matters
What is SOC 2 Compliance and Why it Matters
What is SOC 2 Compliance and Why it Matters

Building True Rural Healthcare Access: Why Payment Infrastructure Can’t Be Left Behind
Building True Rural Healthcare Access: Why Payment Infrastructure Can’t Be Left Behind
Building True Rural Healthcare Access: Why Payment Infrastructure Can’t Be Left Behind

How Pay Theory is Elevating SaaS Platforms with Embedded Finance
How Pay Theory is Elevating SaaS Platforms with Embedded Finance
How Pay Theory is Elevating SaaS Platforms with Embedded Finance

Pay Theory Update: Flexible Transaction Management—Enhancing Control and Efficiency
Pay Theory Update: Flexible Transaction Management—Enhancing Control and Efficiency
Pay Theory Update: Flexible Transaction Management—Enhancing Control and Efficiency

A Look at Complex Funding for SaaS Platforms
A Look at Complex Funding for SaaS Platforms
A Look at Complex Funding for SaaS Platforms

Quick Read: Service Fees vs. Convenience Fees vs. Surcharges: What’s the Difference?
Quick Read: Service Fees vs. Convenience Fees vs. Surcharges: What’s the Difference?
Quick Read: Service Fees vs. Convenience Fees vs. Surcharges: What’s the Difference?

Pay Theory Update: Improved Onboarding, Funding, and Processing
Pay Theory Update: Improved Onboarding, Funding, and Processing
Pay Theory Update: Improved Onboarding, Funding, and Processing

Riding the Digital Surge: The Evolution of Payments in Healthcare
Riding the Digital Surge: The Evolution of Payments in Healthcare
Riding the Digital Surge: The Evolution of Payments in Healthcare

Navigating Regulatory Waves for Healthcare: How Upcoming Changes Will Shape Payments
Navigating Regulatory Waves for Healthcare: How Upcoming Changes Will Shape Payments
Navigating Regulatory Waves for Healthcare: How Upcoming Changes Will Shape Payments

Payments for FHQC Programs: How to Approach Payment Acceptance
Payments for FHQC Programs: How to Approach Payment Acceptance
Payments for FHQC Programs: How to Approach Payment Acceptance
HSA and FSA Pre-Reading Guide: An Introduction for SaaS providers in HealthTech
HSA and FSA Pre-Reading Guide: An Introduction for SaaS providers in HealthTech
HSA and FSA Pre-Reading Guide: An Introduction for SaaS providers in HealthTech

The Payment Facilitation Model and Its Benefits: Why PFAC?
The Payment Facilitation Model and Its Benefits: Why PFAC?
The Payment Facilitation Model and Its Benefits: Why PFAC?

What is An Account Updater and How to Use it for a Better Customer Experience
What is An Account Updater and How to Use it for a Better Customer Experience
What is An Account Updater and How to Use it for a Better Customer Experience

Level 2 & Level 3 Processing
Level 2 & Level 3 Processing
Level 2 & Level 3 Processing

Pay Theory + Fiserv - Forward Toward Unified, Embedded Money Movement
Pay Theory + Fiserv - Forward Toward Unified, Embedded Money Movement
Pay Theory + Fiserv - Forward Toward Unified, Embedded Money Movement

What is a Basis Point?
What is a Basis Point?
What is a Basis Point?

Pay Theory and Fiserv Partner to Simplify Embedded Money Movement
Pay Theory and Fiserv Partner to Simplify Embedded Money Movement
Pay Theory and Fiserv Partner to Simplify Embedded Money Movement

What Does Inclusive Payments Mean?
What Does Inclusive Payments Mean?
What Does Inclusive Payments Mean?

K-12 School Budgets
K-12 School Budgets
K-12 School Budgets

How Have School Finances Changed Since the Year 2000?
How Have School Finances Changed Since the Year 2000?
How Have School Finances Changed Since the Year 2000?
Why Are Companies Partnering with Turn-Key SaaS Platforms?
Why Are Companies Partnering with Turn-Key SaaS Platforms?
Why Are Companies Partnering with Turn-Key SaaS Platforms?

What is SaaS Finance?
What is SaaS Finance?
What is SaaS Finance?

Three Ways to Create an Inclusive School Budget
Three Ways to Create an Inclusive School Budget
Three Ways to Create an Inclusive School Budget

Three Top Alternatives to Stripe
Three Top Alternatives to Stripe
Three Top Alternatives to Stripe

Everything You Need To Know About Neobanking
Everything You Need To Know About Neobanking
Everything You Need To Know About Neobanking

School Treasurers: How Are You Supporting Low-Income Families?
School Treasurers: How Are You Supporting Low-Income Families?
School Treasurers: How Are You Supporting Low-Income Families?

Future-Proofing: Financial Inclusion
Future-Proofing: Financial Inclusion
Future-Proofing: Financial Inclusion

3 Ways Edtech is Revolutionizing Finance in Education
3 Ways Edtech is Revolutionizing Finance in Education
3 Ways Edtech is Revolutionizing Finance in Education

K-12 Families Left Behind As a Result of the Current School Finance Formula
K-12 Families Left Behind As a Result of the Current School Finance Formula
K-12 Families Left Behind As a Result of the Current School Finance Formula

Behind Closed Doors: 3 Things You Didn’t Know School Treasurers Do Everyday
Behind Closed Doors: 3 Things You Didn’t Know School Treasurers Do Everyday
Behind Closed Doors: 3 Things You Didn’t Know School Treasurers Do Everyday

3 Summer Planning Secrets for School Leaders
3 Summer Planning Secrets for School Leaders
3 Summer Planning Secrets for School Leaders
How Cash Hinders School Finances
How Cash Hinders School Finances
How Cash Hinders School Finances

Creating a Future-Focused Culture Among School Boards
Creating a Future-Focused Culture Among School Boards
Creating a Future-Focused Culture Among School Boards
Reflect, Relearn, Refocus: Best Practices for Managing School Finances
Reflect, Relearn, Refocus: Best Practices for Managing School Finances
Reflect, Relearn, Refocus: Best Practices for Managing School Finances
Reflect, Relearn, Refocus: Strength and Weaknesses for School Districts in 2022
Reflect, Relearn, Refocus: Strength and Weaknesses for School Districts in 2022
Reflect, Relearn, Refocus: Strength and Weaknesses for School Districts in 2022

3 Reasons Going Cashless Is Destructive
3 Reasons Going Cashless Is Destructive
3 Reasons Going Cashless Is Destructive

How Indian Hills became the #1 School District in Ohio
How Indian Hills became the #1 School District in Ohio
How Indian Hills became the #1 School District in Ohio

5 Ways to Better Manage School Finances as an Integrated Board
5 Ways to Better Manage School Finances as an Integrated Board
5 Ways to Better Manage School Finances as an Integrated Board
Behind the Board: 3 Main Components to Build a Successful School Year
Behind the Board: 3 Main Components to Build a Successful School Year
Behind the Board: 3 Main Components to Build a Successful School Year

8 Great Quotes for School Leadership
8 Great Quotes for School Leadership
8 Great Quotes for School Leadership

5 Resources All School Treasurers Should Know
5 Resources All School Treasurers Should Know
5 Resources All School Treasurers Should Know

Including the Un and Underbanked in Fintech Means Better Access for All
Including the Un and Underbanked in Fintech Means Better Access for All
Including the Un and Underbanked in Fintech Means Better Access for All

Hey EdTech! – We're Creating A Cool Payments Tool for Schools
Hey EdTech! – We're Creating A Cool Payments Tool for Schools
Hey EdTech! – We're Creating A Cool Payments Tool for Schools

Why Privacy and Security Compliance are Important
Why Privacy and Security Compliance are Important
Why Privacy and Security Compliance are Important

SaaS Leaders, Are You Thinking About Adding Payments?
SaaS Leaders, Are You Thinking About Adding Payments?
SaaS Leaders, Are You Thinking About Adding Payments?

Pay It Forward: Pay Theory’s Brad Hoeweler on Extending a Hand
Pay It Forward: Pay Theory’s Brad Hoeweler on Extending a Hand
Pay It Forward: Pay Theory’s Brad Hoeweler on Extending a Hand
Payments Made for SaaS
Payments Made Differently
We are a hyper-focused payments company built for SaaS platforms serving "Must Pay" industries: education, healthcare, childcare, etc. If you build tech for a family-service industry, then we are the payment provider for you.



