Blog

Payments optimization in 2026: 6 stats every retailer should know
Learn how to implement APMs without hurting conversion. Discover data‑driven tips to reduce friction, manage risk, and optimize checkout performance.

Standing still is the real risk in cards. Q&A with cards & payments expert, Dean Wallace
Learn where the real pressure on cards in banking is coming from, the hidden costs of legacy platforms, and why modernization has moved from IT priority to CEO agenda.

Top five tips for implementing local payment methods
Learn how to implement APMs without hurting conversion. Discover data‑driven tips to reduce friction, manage risk, and optimize checkout performance.

Visa’s service-fee update for utilities: What changes and what doesn’t
Visa added utilities (MCC 4900) to its Service Fee Program. See what changed, how it affects autopay, and how to choose the right fee model.

The sales that never post: Christian Schönhuth on recovering margin at checkout
Declines, false positives, and friction erode checkout revenue. Learn how merchants can improve conversion and recover lost value.

Beyond reimbursement: ACI’s Jackie Barwell on stopping APP scams while the money is still in flight
Fraud prevention is shifting. Learn how liability changes and real-time data sharing help banks stop scams before money moves.
Leadership in an era of transformation
Navigate the future of payments with insights on today’s barriers, leadership strategies, and ecosystem shifts.

Debit is having a moment: Why consumers prefer it and why billers win when they support it
Not offering debit creates friction, failed payments, and higher costs. Learn why debit is essential for improving payment success and cash flow.

The demographic shift powering debit: Why younger, digital‑first customers are choosing it over ACH
Debit is becoming the default for daily spend. See how mobile wallets, habits, and visibility are reshaping payments behavior.

Real-time payments outrun the rules: Craig Ramsey on pay-by-bank and orchestration
Real-time payments are scaling faster than rules. Learn how orchestration, pay-by-bank, and regulation gaps are reshaping bank strategy.

Pay-by-bank, tokenization, and the UK national payments vision: Paul Horlock, Santander UK
Santander’s Paul Horlock on UK payments strategy, pay‑by‑bank, and why programmable money—not rails—will define the next phase of growth.

Is your card platform holding back growth? Legacy vs. modern explained
Learn how card platform choices impact cost, speed to market, and revenue, and why modernization is now a critical driver of growth.

When gas prices rise, how can fuel retailers protect traffic and loyalty
Learn how fuel merchants can adapt to rising prices with clearer value, smarter loyalty strategies, and payment experiences that keep customers coming back.



