By sector, we saw declines in discretionary categories in Q1, including travel and hotels, as well as restaurants.

Apr 24, 2025 / receipt, needs a key / Bob Howe, CFO | earnings call 2025-04-24 | transcript 68a6078b-bd99-4f79-b534-4ca17291ad50 | chars 21214-21328 | segment 21

On Clover Volumes, Bob mentioned some Canada headwinds. I'm just curious, were those headwinds, do you interpret those headwinds as being kind of idiosyncratic to Canada? Are they sort of ring-fenced in Canada? Is there a risk that we see similar dynamics emerge either here in the U.S. or in other international markets? I think you called out travel, for example.

Apr 24, 2025 / receipt, needs a key / Ramsey Ellisall, other | earnings call 2025-04-24 | transcript 68a6078b-bd99-4f79-b534-4ca17291ad50 | chars 36399-36764 | segment 37

Yeah, Ramsey, where we really saw it was in the travel aspect. And I would say based on the data we have, it does feel like it is Canadian-specific. It's certainly discretionary spending. and we saw that come down.

Apr 24, 2025 / receipt, needs a key / Ramsey Ellisall, other | earnings call 2025-04-24 | transcript 68a6078b-bd99-4f79-b534-4ca17291ad50 | chars 36765-36979 | segment 37

North America was led by the strength in SMBs, particularly within the restaurant vertical, as well as strength in enterprise verticals such as travel and petro.

Jul 26, 2022 / receipt, needs a key / Frank Bizzignano, CEO | earnings call 2022-07-26 | transcript 263534e1-2195-49f9-86db-ba7d60277a04 | chars 6231-6392 | segment 6

Obviously, areas like petro services and restaurants are holding up at the same level, maybe a little bit on travel and retail.

Apr 27, 2022 / receipt, needs a key / Bob, CEO | earnings call 2022-04-27 | transcript 6cd36a64-dd46-48ea-9391-c61893bf26bc | chars 40311-40438 | segment 41

North America volume and transactions grew 14% and 9% respectively, led by strength in travel, restaurants, and petro.

Oct 27, 2021 / receipt, needs a key / Frank Bezignano, CEO | earnings call 2021-10-27 | transcript 27644949-b6c6-4c45-8778-78a370496439 | chars 4409-4527 | segment 4

Our speed to market with the enhanced buy-serve digital capabilities for banking and card management announced yesterday, along with the integration of business expense management into the Clover platform, all of which leverage the full capabilities of recent acquisitions, OnDot and SpendLabs, add to our continued success.

Jul 27, 2021 / receipt, needs a key / Frank, CEO | earnings call 2021-07-27 | transcript 76afe9de-94a6-4cec-9ad5-5e0209b6426a | chars 23027-23351 | segment 23

Our account sales and service teams are adjusting to the changes required in this new world, including travel by tech, connecting with clients through individual and team-based video capabilities.

May 7, 2020 / receipt, needs a key / Jeff Yabuki, CEO | earnings call 2020-05-07 | transcript fc007e22-5b28-4885-ab07-2546960cc280 | chars 3151-3347 | segment 3

Given the crisis, we are pleased with our sales results for the quarter, down only about 1% to the prior year, as travel limitations and pandemic actions took center stage.

May 7, 2020 / receipt, needs a key / Jeff Tyrie, CEO | earnings call 2020-05-07 | transcript fc007e22-5b28-4885-ab07-2546960cc280 | chars 29256-29428 | segment 29

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company_statement / Sep 15, 2026 / receipt

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company_statement / Aug 10, 2026 / receipt

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company_statement / Aug 6, 2026 / receipt

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company_statement / receipt

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company_statement / receipt

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