Hands in the middle

Uncategorized

May 25, 2022

Embracing Diversity When Working Across Cultures

Keyhole abstract

Banking

May 19, 2022

How to Unlock the Potential for Instant Payments?

city street at night

Banking

May 16, 2022

A Real-Time Payments Retrospective

Looking directly up at the skyline of the financial district in central London - stock image

Banking

May 13, 2022

No Time To Waste Ahead of U.K.’s New Payments Architecture Launch

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.

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.

Prime Time for Real-Time

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

PSD2 and SCA

Merchants

September 2, 2021

Payments Orchestration: Music to the Ears of Merchants?

Payments orchestration is a hot topic in eCommerce and involves working with multiple payment providers to optimize customer conversion, enhance cost savings and improve fraud prevention processes.

Merchants

June 24, 2021

Amazon Prime Day: We All Love a Good Bargain… So Do Fraudsters

Each year, Amazon’s Prime Day event proves to be even more successful than the last in terms of sales volume. And this year was no exception.

Data and Analytics

Merchants

June 23, 2021

Monetizing Payments Data: How Merchants Can Leverage the Power of Analytics

In the world of commerce, everything is driven by data. The information that merchants collect and analyze determines the marketing channels they use, what products they stock and which customers they focus on.

Touchless payment at grocery store

Merchants

June 22, 2021

Converting Holdouts to Digital Payments: An Opportunity for Grocers?

Consumers have increasingly turned to online shopping over the past year, including for groceries and essentials, accelerating the pace of digital adoption as consumer behavior rapidly evolves. For Millennials and Gen Z, this wasn’t much of an adjustment. For older generations, this represented a marked shift from pre-pandemic behaviors.

QR Code payments grocery checkout

Merchants

June 18, 2021

QR Codes Strike Back!

In the early 2010s, quick response (QR) codes were widely viewed as a challenger to NFC-based payments. While that held true in various Asian markets, QR codes remained largely absent from the U.S. and other western markets.

Man pumping gas into car at gas station

Merchants

April 8, 2021

EMV at the Pump: Is It Really That Secure?

Last weekend I went spring skiing, well spring snowboarding — but you know what I mean. It was sunny, with temperatures in the 50s — an epic day of carving mashed potatoes to close my snowboarding season.