
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).

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.

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.

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.


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.

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.

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.

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.

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.