Banking

September 13, 2022

What is the Digital Operational Resilience Act (DORA)? Final Council of the European Union Compromise Texts of the DORA Directive and the DORA Regulation

Billers

September 1, 2022

How a Fortune 500 Utility Company Took Bill Payments Mobile

Merchants

August 17, 2022

New Experiences Driven by QR Codes

Billers

August 16, 2022

Top 3 Consumer Bill Pay Insights From the Latest ACI Speedpay Pulse Survey

Merchants

August 17, 2022

New Experiences Driven by QR Codes

The use of QR codes for payments has made a giant leap forward over the past couple of years.

Merchants

August 1, 2022

Making Your Mobile App More Engaging

The mobile app market is predicted to generate up to USD $950 billion by 2023. Merchants must have a mobile app to take full advantage of this growth, but so does everyone else.

Retail POS Card

Merchants

July 1, 2022

Meet the True Enabler of Omni-Commerce

In a previous blog post, we talked about how you can share merchant tokens without worrying about PCI compliance. We closed that discussion with the promise to detail the many reasons you would share merchant tokens.

Merchants

June 13, 2022

Decrypting Crypto: Nakamoto’s Bitcoin Vision and What it Means Today for Merchants

The first online cryptocurrency transaction was recorded on May 22, 2010 – 10,000 Bitcoin for two pizzas. Worth $41 dollars at that time, those “coins” are now worth tens of millions of dollars. Since then, cryptocurrencies and digital currencies have come a long way.

Particle of digital data and numbers code

Merchants

June 1, 2022

Incremental Learning: The Real-Time Hero Taking on Fraud

In the fast-moving world of merchant fraud, we can no longer rely on the past to predict the future. The speed and scale of change is such that traditional machine learning (ML) methods, which analyze historical fraud trends, can’t keep up.

Payment on mobile device

Merchants

May 11, 2022

Can Payments Orchestration Help Business Sing? Here Are 10 Questions That Merchants Must Ask Themselves

Payments orchestration is the process of working with — or orchestrating — multiple payment providers, acquirers and banks to optimize customer experience and conversion, enhance cost savings, ensure regulatory compliance, improve fraud prevention processes and enable global coverage.

Prime Time for Real-Time

Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?

Making a contactless payment at a restaurant

Merchants

April 21, 2022

Can Sensitive Cardholder Data Be Shared Without Worrying About PCI Compliance?

In a previous blog post, Can Cardholder Data be Stored Without Involving PCI Scope?, we discussed how the Payment Card Industry Data Security Standard (PCI DSS) says it is possible to store a unique token that represents a cardholder’s Primary Account Number (PAN).

PCI scope for card payments

Merchants

March 23, 2022

Can Cardholder Data be Stored Without Involving PCI Scope?

Is it possible to store cardholder data without PCI scope? The short answer is no, but that doesn’t mean you cannot store a reference to it. Let me explain.

Merchants

January 19, 2022

Making the Most of Buy Now Pay Later – A Merchant’s Guide

Last month, we looked at some of the current challenges with buy now pay later (BNPL) solutions on the market. These included the high rates of credit approval declines, principally because most BNPL providers today only use prime lending. We saw that the cost of BNPL solutions is quite high for merchants, at 3-7 percent on top of normal credit card processing fees.

Banking

January 13, 2022

Emerging Forms of Payments Fraud and How to Tackle Them

In the first half of 2021, the UK lost £753.9 million to fraud, an increase of 30 percent compared to H1 2020, according to the most recent report by UK Finance. The report also revealed that banks using more advanced security systems were able to prevent an additional £736 million from being stolen.

A woman is using a mobile phone

Merchants

December 16, 2021

The Current Challenges of Buy Now, Pay Later

By now, everyone has either heard about, considered using or indeed fully adopted one or more of the BNPL payment methods available to consumers. Its meteoric rise as a prominent payment method is nothing short of spectacular, but as with anything new, there is room for improvement. In this post, we look at some of the challenges BNPL has in its current format.

Side view of man hands using laptop with abstract digital padlock hologram on screen. Guard concept

Merchants

December 1, 2021

Why Incremental Learning Is a Gamechanger for Payments Fraud

Any innovation that helps merchants outfox fraudsters can’t come soon enough. An innovative, industry-first approach to machine learning, incremental learning represents a step change in fraud prevention. It identifies patterns earlier and more accurately, automating decisions and actions to keep merchants better protected than ever.