Steve Kramer is vice president of product at PayNearMe, where he leads the product development team. With more than 25 years of experience in payments and product innovation, Steve is focused on advancing PayNearMe’s approach to Payment Experience Management—optimizing every touchpoint across the payment journey for customers, agents and operations. By removing friction, expanding payment choice and streamlining processes end to end, he helps ensure PayNearMe delivers seamless, reliable payment experiences that accelerate payments and lower the total cost of acceptance.