Electronic payments have become the cornerstone of international commerce, and our clients value our in-depth knowledge of the fintech industry.

Issuing and acquiring banks, independent sales organizations (ISOs), technology providers, payment processors, software and hardware developers, and many investors and lenders hire us to resolve their conflicts and help them achieve their goals. We represent a wide range of companies in matters such as mergers and acquisitions, commercial finance transactions and general corporate matters. Our fintech clients include:

• Venture capital and private equity investors
• Commercial lenders
• Acquiring and issuing banks
• Acquiring and ATM ISOs and processors
• Money service businesses
• ATM and POS terminal manufacturers
• Fully integrated providers of electronic transaction authorization, processing, settlement and funds transfer services
• Merchant and ISO advance companies
• Network service providers
• Payment gateways
• Prepaid and stored value card program managers
• Providers of check imaging, conversion, processing and verification services
• Providers of electronic payment options to governmental entities
• Providers of information services and payment verification systems to healthcare providers
• Purchasers of residual streams and merchant portfolios

Payment companies look to us for guidance in commercial contractual relationships and the development of new sales channels and technology-based products and services, which involve the negotiation and drafting of agreements for sponsorships, referrals, agents, technology outsourcing, issuing, program management and more.

We provide regulatory counsel to issuing and acquiring banks and other financial technology industry participants with respect to the various payment network rules including those of STAR, NYCE, PULSE, PLUS and card association rules for Visa, MasterCard and Discover - PCI DSS. We also advise these organizations with respect to various state and federal rules and regulations governing financial transactions, such as the Bank Secrecy Act, the CARD Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, Equal Credit Opportunity Act, Truth in Lending Act and the USA PATRIOT Act.

Waller attorneys participate on committees, and attend and present at industry conferences, such as the Electronic Transactions Association (ETA) and the ATM International Association (ATMIA).