What is the Digital Operational Resilience Act (DORA)? Final Council of the European Union Compromise Texts of the DORA Directive and the DORA Regulation
How a Fortune 500 Utility Company Took Bill Payments Mobile
New Experiences Driven by QR Codes
Top 3 Consumer Bill Pay Insights From the Latest ACI Speedpay Pulse Survey
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.
Can Grocers Survive Uberization?
Rapid grocery delivery services are proving popular with “I want it now” digital consumers.
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.
Driving Consumers In-Store: Turning Fuel and C-Store Challenges to an Advantage
Getting consumers into a physical establishment is important for most merchants – but it is absolutely critical for fuel and convenience stores (C-stores) where there is virtually no eCommerce potential. Additionally, within the fuel sector, this is where higher margin items can be found.
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.
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.
Prime Time for Real-Time
Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?
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.
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.
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).
Real-Time in Real Life: The State of Real-Time Payments in the U.S.
A wave of digital change affecting both real-time payments and consumer behavior has swept across the world since the onset of the pandemic, but this wave was well underway before COVID-19 hit.
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.
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.