Hands in the middle

Uncategorized

May 25, 2022

Embracing Diversity When Working Across Cultures

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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

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Banking

May 13, 2022

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

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.

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.

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.

Merchants

November 30, 2021

New Customer Journeys and Merchant Payments Innovation – Q&A with IKEA Retail and VW Payments

In the past 12-18 months, there has been monumental change in the way that customers interact with merchants, with no sector or vertical left untouched.

Prime Time for Real-Time

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

Index finger of young man touching smartphone

Merchants

November 15, 2021

Buy Now Pay Later: Taking A Closer Look at Affirm

As we quickly approach the peak shopping season in Europe and North America (Black Friday and Cyber Monday are less than a month away), it’s time to take a closer look at one of the major “Buy Now, Pay Later” (BNPL) players in the United States.

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.

Shanghai Urban Skyline, China

Merchants

November 3, 2021

Preparing for the Holidays: What Merchants Need to Know About UnionPay

We’ve all read about the pandemic bringing a significant increase in eCommerce and mCommerce.

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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.

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.