Purchase payment – Les Couleurs De Luce http://lescouleursdeluce.com/ Sat, 18 Sep 2021 22:42:51 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://lescouleursdeluce.com/wp-content/uploads/2021/08/icon.png Purchase payment – Les Couleurs De Luce http://lescouleursdeluce.com/ 32 32 Which payment technology security is a better investment? https://lescouleursdeluce.com/which-payment-technology-security-is-a-better-investment/ https://lescouleursdeluce.com/which-payment-technology-security-is-a-better-investment/#respond Fri, 17 Sep 2021 18:47:20 +0000 https://lescouleursdeluce.com/which-payment-technology-security-is-a-better-investment/

EVERTEC, Inc. (EVTC) in San Juan, Puerto Rico, is in the transaction processing company. The company operates through four segments: Payment Services – Puerto Rico and the Caribbean; Payment services – Latin America; Merchant acquirer; and Business Solutions. In comparison, Atlanta, Georgia Headquarters Global Payments Inc. (GPN) provides payment technologies and software solutions for card, electronic, check and digital payments. The company operates through three segments: Merchant Solutions; Solutions to issuers; and Business and Consumer Solutions.

The COVID-19 pandemic has led to a massive increase in e-commerce sales, increasing the need for payment processing solutions. Additionally, with the growing consumer demand for contactless delivery and payments, the demand for payment technology solutions is increasing dramatically. Payment Processing Solutions Market Expected to Record a CAGR of about 10.2% over the period 2021 – 2026. Given the accelerated adoption of digital payment methods, EVTC and GPN are expected to benefit.

EVTC has gained 20% in price over the past six months, while GPN has lost 23.9% over the period. Additionally, EVTC’s 15.8% gains year-to-date compares with GPN’s 23.9% drop. In terms of last year’s performance, EVTC is the big winner with 33.3% gains compared to 6.7% for GPN.

But which stock is a better buy now? Let’s find out.

Latest developments

On September 8, GPN reached an agreement to purchase MineralTree, a leading provider of accounts payable and business-to-business (B2B) payment automation solutions. This acquisition should improve its B2B product line and allow the company to better serve its customers.

On August 11, EVTC announced that S&P Global Ratings had upgraded the issuer’s credit rating from EVTC to BB- / Stable Outlook from B +. S&P noted that EVTC’s conservative balance sheet and strong credit metrics as it increased revenue amid several external impacts were the basis for this upgrade. This follows the credit rating of the EVTC family of companies from B2 to B1 by Moody’s on August 5.

Recent financial results

EVTC revenue increased 26% year-on-year to $ 149.14 million in the fiscal second quarter ended June 30. Its Adjusted EBITDA stood at $ 80.26 million, up 60% from the same period last year. Its adjusted net profit rose 105.7% from its value a year ago to $ 57.13 million. The company’s adjusted EPS rose 105% year-over-year to $ 0.78.

For its fiscal second quarter, ended June 30, GPN’s adjusted net income increased 27.6% year-on-year to $ 1.94 billion. Its adjusted operating profit rose 44.1% from its value a year ago to $ 810.19 million, while its adjusted net profit improved 52.9% year-on-year. annual to $ 603 million. The company’s adjusted EPS improved 55.7% year-over-year to $ 2.04.

Past and expected financial performance

EVTC’s net profit and EPS have grown at CAGRs of 40.2% and 40.1%, respectively, over the past three years, respectively. Analysts expect the company’s revenue to grow 7.7% in the next quarter, 12.7% in the current year and 5.5% next year. The company’s EPS is expected to grow 6.8% in the next quarter, 28% in the current year, and 3.8% in the next year. Additionally, EVTC’s EPS is expected to grow at a rate of 13.4% per year over the next five years.

By comparison, GPN’s net profit has grown at a CAGR of 16% over the past three years, while its EPS has declined by 5.9% over that period. Analysts expect GPN’s revenue to grow 13.7% in the next quarter, 14.6% in the current year, and 10% next year. The company’s EPS is expected to grow 21.1% in the next quarter, 27.3% in the current year, and 17.5% in the next year. And its EPS is expected to grow at a rate of 20.1% per year over the next five years.

Profitability

EVTC is more profitable, with gross margins and EBITDA of 58.10% and 41.91%, respectively, compared to 54.28% and 39.84% for GPN.

Additionally, EVTC’s ROE, ROA and ROTC of 44.80%, 10.98% and 12.95%, respectively, compare to GPN’s 3.23%, 2.13% and 2.52%.

Thus, EVTC is more profitable than GPN.

Evaluation

In terms of GAAP forward PER, GPN is currently trading at 43.33x, which is 50.5% higher than EVTC, which is currently trading at 21.44x. Additionally, GPN’s forward EV / EBITDA ratio of 15.89 is 21.8% higher than EVTC’s 12.43.

So, EVTC is a relatively affordable stock here.

POWR odds

EVTC has an overall B rating, which is equivalent to Buying in our property POWR odds system. GPN, on the other hand, has an overall C rating, which translates to Neutral. POWR scores are calculated by considering 118 different factors, each factor being weighted to an optimal degree.

EVTC has a stability rating of B, due to its beta below one, while GPN has a stability rating of C, consistent with its beta of slightly above.

Of the 102 shares of Financial Services (Business) sector, EVTC is ranked n ° 12. In comparison, among the 51 shares of the Consumer financial services the industry, GPN is ranked # 26.

Beyond what we’ve stated above, we’ve also rated stocks for quality, sentiment, momentum, value, and growth. Click here to view the EVTC ratings. Also get all GPN ratings here.

The winner

The pandemic has reinforced the need for contactless payment methods. As digital payment solutions gain ground, EVTC and GNP should benefit. However, we believe its higher profit margins and lower valuation make EVTC a better investment here.

Our research shows that the chances of success increase when investing in stocks with an overall strong buy or buy rating. View all the top rated stocks in the financial services industry (companies) here. Also, Click here to view the highest rated stocks in the consumer financial services industry.


GPN stock was trading at $ 162.33 per share on Friday afternoon, down $ 1.66 (-1.01%). Year-to-date, GPN is down -24.39%, compared to an 18.81% increase in the benchmark S&P 500 over the same period.

About the Author: Subhasree Kar

Subhasree’s keen interest in financial instruments led her to pursue a career as an investment analyst. After obtaining a master’s degree in economics, she acquired knowledge in equity research and portfolio management at Finlatics. Following…

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Six low-cost first-time buyers can buy without a down payment https://lescouleursdeluce.com/six-low-cost-first-time-buyers-can-buy-without-a-down-payment/ https://lescouleursdeluce.com/six-low-cost-first-time-buyers-can-buy-without-a-down-payment/#respond Fri, 17 Sep 2021 16:55:00 +0000 https://lescouleursdeluce.com/six-low-cost-first-time-buyers-can-buy-without-a-down-payment/

First-time buyers can become homeowners without a down payment by living outside of major cities.

This is possible thanks to the USDA Rural Home Loan Program, which offers support to those who generally cannot get a mortgage due to their low income.

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We’ve rounded up the cheap homes available in areas eligible for the USDA Rural Home Loan Program.

The loans are guaranteed by the rural development program of the Ministry of Agriculture and do not require a down payment.

There are income limits for securing a home loan guarantee, which vary depending on where you live and the size of the household.

To find the limit for the county where you live, check the USDA website.

There is no loan limit, but keep in mind that the amount you can borrow is limited by your income and your household debt ratio.

To apply for a USDA secured loan, you must speak to a participating lender.

Below, we’ve rounded up homes listed on Zillow below $ 100,000 and located in eligible rural areas, per the USDA Eligibility Tool.

Just be aware that some will need a little love before moving in and the cost of renovations will increase your spending.

If you prefer to get a larger mortgage, you can provide the address of the home you want to buy to see if you qualify for home loans.

Aberdeen, CA – $ 29,000

For less than $ 30,000 you can buy a one bedroom house in California

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For less than $ 30,000 you can buy a one bedroom house in CaliforniaCredit: Zillow
The sale of the property also includes a leather sofa as well as a dining table and chairs

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The sale of the property also includes a leather sofa as well as a dining table and chairsCredit: Zillow

The cheapest house is $ 29,000 and it’s located in California – perfect if you’re looking for pleasant temperatures all year round.

The house is a one bedroom, one bathroom house and has an additional room which is used as a bedroom converted into an enclosed patio.

A leather sofa and two leather rocking armchairs, a dining table and chairs, a washer and a dryer are included in the sale of the mobile home.

Glendive, Montana – $ 49,900

This pretty Montana property could be yours for $ 49,900

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This pretty Montana property could be yours for $ 49,900Credit: Zillow
You may need to upgrade the bathroom, so keep that in mind before you splash around

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You may need to upgrade the bathroom, so keep that in mind before you splash aroundCredit: Zillow

For almost $ 20,000 more at $ 49,900, you can get a one bedroom, one bath home located in Glendive, MT.

The main level of the house also has the living room, and another can be used as a pantry or dining room.

Additionally, there is a basement which is said to be “unfinished”, but it houses utilities and provides a storage area.

The house was built in 1910 and the land measures 2,613 square feet.

Tollesboro, Kentucky – $ 49,900

Small Families Can Enjoy This Home In Tollesboro

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Small Families Can Enjoy This Home In TollesboroCredit: Zillow
Distributed over two floors, the property comprises three bedrooms and two bathrooms.

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Distributed over two floors, the property comprises three bedrooms and two bathrooms.Credit: Zillow

For the same price, you can get a single family home in Tollesboro, Kentucky.

It is located just off the AA freeway in downtown Tollesboro and would also have easy access to US 68.

Distributed over two floors, the property comprises three bedrooms and two bathrooms.

It is also said that there is a walk-in closet.

Saint Johns, Arizona – $ 69,000

Arizona residents or those happy to relocate may want to take a look at this property

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Arizona residents or those happy to relocate may want to take a look at this propertyCredit: Zillow
It has two bedrooms and two bathrooms - perfect for small families

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It comes with two bedrooms and two bathrooms – perfect for small familiesCredit: Zillow

For $ 69,000 you can get an Arizona home with a huge backyard.

The property has two bedrooms and two bathrooms – perfect for small families.

It does, however, need a little love and updating to make it the perfect starting home.

The property is listed as a foreclosure on Zillow which means it has been repossessed and put up for sale.

Wilmington, Vermont – $ 89,000

This solar cabin will give you peace and quiet in Vermont

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This solar cabin will give you peace and quiet in VermontCredit: Zillow
The property has an open layout and a mezzanine with window

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The property has an open layout and a mezzanine with windowCredit: Zillow

If you really want to get away from the hustle and bustle, you can buy your own $ 89,000 cabin near Green Mountain National Forest, Vermont.

The property has an open layout with a log burner to keep things cozy.

Integrated stairs lead to a mezzanine with window. Outside there is a spacious wraparound deck.

Better yet, a solar generator and solar panels provide lighting for the house.

Welches, Oregon – $ 99,500

This mobile home includes a laundry room, a dressing room, three bedrooms and two bathrooms

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This mobile home includes a laundry room, a dressing room, three bedrooms and two bathroomsCredit: Zillow
It is located a short walk from Dollar General, Subway and Zig Zag Inn

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It is located a short walk from Dollar General, Subway and Zig Zag InnCredit: Zillow

Finally, you can own a mobile home for $ 99,500 in Oregon.

It includes a laundry room, a dressing room, three bedrooms and two bathrooms.

It is also said to be located a short walk from Dollar General, Subway, and Zig Zag Inn.

You might also be happy to hear that the existing washer and dryer are included in the sale.

We also rounded up six family size homes under $ 50,000 where first-time buyers only need a down payment of $ 1,750.

Earlier this year, a super saver revealed how she bought her first home at age 23 with low income and an average credit score.

Super scrimper Gemma Bird reveals how she paid off her mortgage and gives advice to first-time buyers

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Contactless payment rises, so does back-to-school purchases – PSCU report shows – Digital transactions https://lescouleursdeluce.com/contactless-payment-rises-so-does-back-to-school-purchases-pscu-report-shows-digital-transactions/ https://lescouleursdeluce.com/contactless-payment-rises-so-does-back-to-school-purchases-pscu-report-shows-digital-transactions/#respond Fri, 17 Sep 2021 15:32:55 +0000 https://lescouleursdeluce.com/contactless-payment-rises-so-does-back-to-school-purchases-pscu-report-shows-digital-transactions/

Contactless credit card transactions caught up with their debit counterparts as a percentage of volume in August, with 17% of total card volume present, as tracked in the PSCU Monthly Payments Index, attributed to the payment form. This corresponds to the share of contactless debit transactions.

PSCU, a credit union services organization based in St. Petersburg, Florida, issues the PSCU Payments Index as a means of monitoring payment activity.

Contactless credit transactions represented only 10% of the total volume of credit cards on the card in August 2020. The share of the debit version rose to 17% from 12% in the same month last year.

Mobile wallets has also experienced strong growth. Mobile wallet credit transaction volume increased 96% in August from August 2019. “Although credit purchase dollars edged down from last month’s growth, performance was still strong at + 122% compared to 2019. The average purchase of mobile wallet credit has increased. $ 3.56, up 13%, to $ 30.86 in August 2021 from August 2019, ”the index reported.

The mobile wallet debit business grew 145% in transaction volume in August 2021 compared to August 2019. The average mobile wallet debit purchase was $ 18.21, up 22% from compared to $ 14.99 two years ago.

Among the trader categories in the index, those related to back-to-school shopping increased compared to last year. Credit purchases grew 18% year-on-year and debit purchases increased by 12%. “This observation is influenced by multiple factors, including the difficult growth environment / credit activity in 2020, the debit activity having experienced substantial growth during this period,” notes the index.

Sportswear stores saw the strongest growth, with credit purchases up 74% and debit purchases up 63% year-on-year. Stationery, office and school supply stores posted declines of 7% for credit and 11% for debit over the same period.

Of the top three retailers — Amazon.com Inc., Target Corp. and Walmart Inc. — Target reported 21% credit growth and 11% debit purchase growth in August from a year ago. Credit purchases were up 12% and debits up 11% for Walmart and Amazon saw a 6% increase in credit purchases and a 9% increase in debit purchases.

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Alibaba.com Partners with JP Morgan for US Card Payment Services https://lescouleursdeluce.com/alibaba-com-partners-with-jp-morgan-for-us-card-payment-services/ https://lescouleursdeluce.com/alibaba-com-partners-with-jp-morgan-for-us-card-payment-services/#respond Thu, 16 Sep 2021 20:11:39 +0000 https://lescouleursdeluce.com/alibaba-com-partners-with-jp-morgan-for-us-card-payment-services/

JP Morgan has commissioned credit card payment processing for Alibaba.com, the B2B business unit of the Alibaba Group. In conjunction with Alipay, JP Morgan Merchant Services now handles payments made by US credit cards on Alibaba.com.

One of the biggest trends in e-commerce is marketplaces, which account for almost half of online shopping in 2020. Online sales will reach over $ 4.2 million globally in 2021.

With the growth of e-commerce, small and micro businesses need a fast and secure way to accept payments from their customers through different channels and payment methods.

Improved card payment services for Alibaba.com in the United States

Thanks to JP Morgan’s payment processing capabilities, Alipay can now provide enhanced card payment services in the United States for Alibaba.com Trade Assurance, the free payment and order protection service for all transactions on the platform. -form.

“JP Morgan is proud to be the only global bank capable of managing the payment lifecycle for marketplaces, from the moment a customer makes a purchase, to the acceptance and storage of that value,” until the funds reach the seller’s bank accounts. We are excited to begin processing payments for Alibaba.com as they continue to grow in the United States, making it easier for buyers and sellers to transact. “

Takis Georgakopoulos, Global Head of Wholesale Payments, JP Morgan

“We are excited to partner with JP Morgan on Digital Payments to help small and medium businesses in the United States go digital and go global,” said Douglas Feagin, who heads Global Strategic Partnerships and Investments and is SVP at Groupe de ants.

John Caplan, President of Alibaba.com for North America and Europe, added, “These payment facilitation services will help Alibaba.com’s US small business customers further digitize their businesses with ease and peace of mind. of mind in order to take full advantage of the multi-billion dollar global B2B e-commerce opportunity in the long term.

JPMorgan Chase supports small businesses

JPMorgan Chase supports small business owners in various parts of the business. JP Morgan Merchant Services is ranked # 1 payment processing provider in the United States, as well as # 1 e-commerce acquirer in the United States by Nilson.

Chase Business Banking provides more than four million small business owners with financial advice, deposit, credit and cash management products. The two companies have come together to launch QuickAccept as part of Chase Business Complete Banking.

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Home Prices Are Rising Faster Than Your Downpayment: What To Do | national news https://lescouleursdeluce.com/home-prices-are-rising-faster-than-your-downpayment-what-to-do-national-news/ https://lescouleursdeluce.com/home-prices-are-rising-faster-than-your-downpayment-what-to-do-national-news/#respond Thu, 16 Sep 2021 17:41:35 +0000 https://lescouleursdeluce.com/home-prices-are-rising-faster-than-your-downpayment-what-to-do-national-news/

If you’re trying to break into the housing market right now, you might find that your down payment isn’t going as far as you thought. Record hikes in home prices mean that the goals you set for saving, say, 20 percent of your home’s purchase price may no longer reduce it.

Here’s what you need to know about what’s going on in the housing market and what your options are for proceeding.

Why home prices are probably rising faster than your down payment savings

It all comes down to a few factors: the limited supply of housing and a large number of motivated buyers are putting pressure on house prices. Low mortgage rates mean most buyers can afford to borrow more than they otherwise would, further increasing the pressure, and inflation is pushing up buying costs for just about everything in everyone. domains.

Sellers rejoice, but for buyers (aside from low mortgage rates) it can be difficult to navigate a lot.

“This past year has been brutal, especially for the first-time home buyer market,” said Matt Woods, co-founder and CEO of SOLD.com.

Most experts agree that the pandemic has led to a tough market for buyers, but there are signs that things may finally calm down. Either way, this almost straight path for house prices looks pretty unsustainable.

“I think of my four children, how on earth will my four children be able to become owners if this is the riddle they are faced with? Woods said.

What you can do if your down payment savings aren’t keeping up

There are basically three ways to react if your dream home – or even a barely adequate home – is out of reach.

1. Wait until the door-to-door sales market ends, increase your down payment

The simpler option, since it is essentially passive, is probably to wait for the market to cool down further. This can give you the opportunity to increase your savings, and you may even see house prices drop a bit in your area, which means your funds will go further.

Keep in mind that there are no absolute guarantees in real estate as market conditions are constantly changing, but if you can’t afford to buy now, it probably isn’t a good time. to dive.

“The most important thing to get started is just making the decision whether now is the right decision to buy the home,” says Robert Heck, vice president of mortgages at Morty. “If you have the flexibility and the time, the options are a bit more extensive. “

Focus your affordability calculations on your monthly expenses, not necessarily the overall selling price, he says.

Bankrate’s “How Much Home Can I Afford?” »Calculator can help you get started.

“This phase of home appreciation is waning,” added Woods. If you choose to wait, you can use the time it takes to invest money in higher yielding – and admittedly higher risk – funds to grow your savings faster.

“Putting money under your mattress isn’t going to help you,” he says. “If you park him in the safest place, you can count on him to not help and grow. If you take advantage of the investment opportunities that are out there, the market has been lenient.

Since the investment market is so dynamic right now, you may even be able to quickly increase your savings with higher risk options. But let’s be clear, the money you need in one to three years is not best suited for riskier investments. That said, if you can take more risk, consider investing some of your down payment in:

– Stocks, which are arguably the most traditional investment tool and can quickly produce big returns if you buy the right ones at the right time.

—Cryptocurrency, which is sort of having a moment in the investment realm right now. Keep in mind that crypto valuations have been a bit of a roller coaster, so you could dramatically increase your savings or lose your shirt.

You should talk to your financial advisor about your investment options. Other short-term, high-yielding products may be available, but you’ll want to decide what’s right for you with someone who really knows your situation.

2. Edit your home search checklist

Another option is to edit your Housing Wish List. Everyone wants to get the best home possible in the nicest, most convenient neighborhood they can afford, but if you can be a little more flexible about exactly where to land, it might help you get into. a home faster and at a more affordable price.

“The American dream is so grand, ‘I must own my home forever,'” said Woods. “My advice is that the starting houses are great and maybe you need to be as humble as possible just to get into the game.”

Being comfortable with a home from home or agreeing to look in a larger geographic area will open up more options for you and perhaps allow you to look for places where your savings will perform a little better.

“Try not to get caught up in the exuberance of buying the house, chasing the offer,” Heck says. “Slowing down is important here. “

3. Support a housing assistance program or take a non-traditional approach

You may be able to benefit from home buying grants or some start-up businesses that offer new ways to get a mortgage.

Woods says companies like Unison help people move into housing by essentially paying cash on their behalf and paying off the mortgage once the person has moved in. percentage than a traditional lender when you refinance or sell.

Plus, Woods added, you can always go the “make a deal with your rich uncle” route, if you have the chance.

“There are so many different paths you can take, so try to familiarize yourself with as many as possible,” Heck says. Doing your research will help you chart the best course for your own situation.

More traditional avenues for down payment assistance include:

—FHA loans, which can be guaranteed with as little as 3.5% down payment.

—VA loans, which can be very beneficial for serving or retired military personnel and their families

—Local and national home ownership programs

Also keep in mind that many lenders will allow you to get a loan with less than 20% down payment. You may need to pay for private mortgage insurance until you build up more equity, but if you can afford the extra monthly cost, you can still move into a home if your supply is competitive.

Working with a knowledgeable real estate agent remains crucial

In this ultra-competitive market, having a knowledgeable agent as a guide is essential. Most sellers receive multiple offers, many of which may be above the asking price, so it’s important to make sure you’re working with someone who truly understands the market you’re looking in and who can help make your offering this solid. as possible, even if the prices are higher than expected.

A good buying agent will also be able to help you determine how to tailor your search and will be able to adapt if you change what you are looking for as you streamline your budget.

At the end of the line

With home prices being pushed up rapidly by multiple aggravating factors, it is a difficult market for buyers. But that doesn’t necessarily mean that it’s impossible to buy; it may just take a little more strategy. Or, you can take a break and come back when the market has cooled down a bit.

(Visit Bankrate online at bankrate.com.)

© 2021 Bankrate.com. Distributed by Tribune Content Agency, LLC.

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Adobe adds payment services to its e-commerce platform https://lescouleursdeluce.com/adobe-adds-payment-services-to-its-e-commerce-platform/ https://lescouleursdeluce.com/adobe-adds-payment-services-to-its-e-commerce-platform/#respond Wed, 15 Sep 2021 17:39:31 +0000 https://lescouleursdeluce.com/adobe-adds-payment-services-to-its-e-commerce-platform/

Users of Adobe’s e-commerce platform will soon be able to accept and process payments, as Adobe plans to add payment services to Adobe Commerce later this year.

Adding payment services to Adobe Commerce gives merchants of all sizes access to an integrated payment solution that can be easily managed from Adobe Commerce administration settings, rather than relying on a third-party payment gateway.