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.

Man Ordering Fresh Food Delivery With Mobile Phone

Merchants

August 3, 2022

Can Grocers Survive Uberization?

Rapid grocery delivery services are proving popular with “I want it now” digital consumers.

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.

Mans's hand holding fuel nozzle in car

Merchants

July 11, 2022

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.

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.

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).

Prime Time for Real-Time

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

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.

Overhead view of entering card details when ordering online

Merchants

November 11, 2021

A Primer on Tokens, Tokenization, Payment Tokens and Merchant Tokens

Merchants around the world are navigating the world of tokens and tokenization, payment tokens and merchant tokens. When used properly, tokenization for retail merchants serves a dual use; it can be used to protect sensitive card data, and it can serve as an enabler for omni-commerce.

Credit card swipe at a fuel terminal

Merchants

November 2, 2021

Protecting Payments with Point-to-Point Encryption (P2PE) and Tokenization

The superheroes of PCI compliance – Point-to-Point Encryption (P2PE) and Tokenization – serve to protect sensitive payments data in flight, or at rest in merchants’ databases. But tokenization has some additional superpowers, beyond protecting payments, which all omni-channel merchants should know about.

Data Security

Merchants

October 18, 2021

Data Is Evolving – Are Your Fraud Prevention Services Keeping Pace?

It’s a constant struggle – as consumer behavior evolves, so do fraud tactics, as fraudsters seek vulnerabilities exposed by rapid change. And there’s no disputing that the pandemic has changed consumer behavior and accelerated the adoption of digital payment methods.

Cyber crime, A hacker using a virus to attack software

Merchants

September 8, 2021

Getting Medieval: A (Modern) Multilayered Approach to Payments Security

PCI compliance is a detailed and grueling process for a reason; fraudsters will exploit any weakness they can uncover. History has shown that even major merchants that consumers would assume are fully protected can get breached.

PSD2 and SCA

Merchants

September 2, 2021

Payments Orchestration: Music to the Ears of Merchants?

Payments orchestration is about maximizing payment conversion in the most cost effective way. It involves working with multiple payment providers, acquirers and banks to optimize the customer experience, increase conversions, ensure regulatory compliance, enhance fraud prevention and enable global payments coverage.