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.
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?
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.
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.
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 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.
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.
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.