The Payments Association

NOVEMBER 18, 2024

While banks still hold the majority of merchant relationships and dominate acquiring market share in most regions, they face an existential risk. Banks should continue to address barriers such as consumer expectations and the need for technology expertise to maintain their competitive edge. billion in 2024.

FinTech 88

FinTech Online and Mobile Banking Acquirers Fraud Prevention 88

Fintech Finance

JANUARY 3, 2025

Acquirers and merchants must work together to make the chargeback handling process including responses as efficient as possible. Doing so will not only help overturn more fraudulent chargebacks, but will help build rapport with a merchants acquiring bank.

Disputes 98

Disputes Acquirers Transactions Process 98

Cardfellow

JUNE 25, 2025

Even when a dispute is unsuccessful, the acquiring bank will withhold payment for any chargebacks until the matter is resolved. Once a customer has disputed a charge, a your acquiring bank will begin going through a specific procedure to resolve the issue. Some of the most common Visa and MasterCard chargeback codes are listed below.

Disputes 98

Disputes Credit Cards Card Association Acquirers 98

Fintech News

OCTOBER 28, 2024

Bill Qkr offers a secure, card-based system designed to make payments easier for merchants, acquirers, payment facilitators, and service providers through flexible options and streamlined collection processes.

Visa 130

Visa Push-to-Card Payments Facilitators 130

Fintech News

JANUARY 22, 2025

It has established local acquiring capabilities across more than 40 countries and regions, including six core Southeast Asian marketsIndonesia, Malaysia, Singapore, Thailand, the Philippines and Vietnam. Leading the Future of Payments Source: Freepik Antom’s offerings extend beyond payments to address broader business needs.

Payment APIs and Integration 119

Payment APIs and Integration eWallet SARS Privacy 119

Finovate

APRIL 8, 2025

Ripple will acquire Hidden Road for $1.25 Blockchain and crypto solutions company Ripple announced plans to acquire multi-asset prime brokerage company Hidden Road for $1.25 billion, making it the first crypto company to own and operate a global, multi-asset prime broker.

Cross-Border Payments 94

Cross-Border Payments Cross-Border Blockchain Stablecoins 94

Clearly Payments

NOVEMBER 13, 2024

BINs help payment processors , acquiring banks, and card networks verify the legitimacy of a transaction, match it to the correct bank or financial institution, and ensure funds are available. Establish a Relationship with an Acquiring Bank The first and most essential step in acquiring a BIN is to partner with an acquiring bank.

Process 104

Process Processors Payments Compliance 104

Finextra

JUNE 10, 2025

Home News Regulation Payments fintech Navro acquires first US licence Editorial This content has been selected, created and edited by the Finextra editorial team based upon its relevance and interest to our community.

Acquirers 64

Acquirers Payment APIs and Integration FinTech Cross-Border Payments 64

Fintech Finance

NOVEMBER 14, 2024

The partnership enables Pagaloop to leverage Unlimit’s extensive acquiring network and to support payments through all major card schemes, including Visa and Mastercard. This will provide Mexican SMBs with instant cash flow support which will allow them to focus on their growth.

Credit Cards 97

Credit Cards Debit Card Payroll Economy 97

Fintech News

JULY 17, 2025

One of the key additions is the Chargeback AI Assistant, aimed at addressing issues in dispute resolution and revenue recovery, particularly for small and medium-sized businesses. Antom noted that nearly half of its SME clients do not actively respond to chargebacks.

AI 71

AI Disputes Payments Procedures 71

The Fintech Times

FEBRUARY 24, 2025

Merchants are increasingly adopting multi-acquirer payment systems to enhance their control over transactions, according to a new report. BR-DGE ‘s whitepaper, How to Keep Your Customers in a Multi-Acquirer World, suggests that payment orchestration streamlines the integration of various payment methods and acquirers.

ISVS 64

ISVS Acquirers Payments Addressing 64

Fintech Finance

FEBRUARY 4, 2025

Worldpay , a global industry leader in payments technology and solutions, today announced it has entered into a definitive agreement to acquire Ravelin , an AI-native fraud prevention platform headquartered in London, UK. The transaction is expected to close in Q1 2025. KeyBanc Capital Markets served as exclusive financial advisor to Ravelin.

Fraud Prevention 69

Fraud Prevention AI Acquirers Account Takeovers 69

The Payments Association

JANUARY 13, 2025

The reforms ensure robust safeguarding practices, bolster consumer trust, and address risks like fund shortfalls during insolvency. While these measures seek to address key risks, such as fund shortfalls during insolvency and delays in fund distributions, they also bring increased regulatory burdens and operational complexities.

Compliance 88

Compliance Audit Legal Reconciliation 88

Finovate

FEBRUARY 5, 2025

Worldpay plans to acquire AI-driven fraud detection company Ravelin. Payments and banking services company Worldpay announced plans today to acquire fraud detection company Ravelin. We look forward to partnering with Ravelins leadership and their talented team to help our customers address their most complex challenges.”

Acquirers 52

Acquirers Fraud Prevention Fraud Detection AI 52

The Fintech Times

MARCH 10, 2025

Airwallex , the global payments and financial platform for growing businesses, is set to acquire CTIN Pay , a Vietnam-based Intermediary Payment Service (IPS). By addressing financial challenges in these markets, we empower local businesses to expand beyond borders.

Acquirers 52

Acquirers APACS Cross-Border Cross-Border Payments 52

Fintech Finance

MARCH 6, 2025

The regulator also found that the schemes do not provide sufficiently clear and detailed information to acquirers or merchants, resulting in them receiving complex or incomplete information on scheme and processing services and fees, raising both acquirers’ and merchants’ costs and preventing them from negotiating a better deal.

Process 69

Process Visa Consulting Acquirers 69

The Fintech Times

JANUARY 2, 2025

PXP Financial , a global acquiring, payment, fraud and data analysis service provider, has joined forces with financial dispute management solution provider DisputeHelp, to launch two new Visa solutions to combat first-party fraud and reduce chargeback for merchants.

Fraud Prevention 59

Fraud Prevention Disputes Issuers Card Issuer 59

The Payments Association

JUNE 3, 2025

Acceptance of cash One way the Treasury is currently addressing financial exclusion is by promoting access to cash for consumers and encouraging businesses to accept cash. They believe that all children should acquire the skills and knowledge necessary to manage their finances effectively in adulthood, regardless of their background.

Financial Inclusion 88

Financial Inclusion Financial Literacy Treasury Government 88

Fintech Finance

APRIL 3, 2025

This should reduce costs to acquirers. Better pricing governance to address the PSR’s concerns around the schemes’ pricing decisions. The PSR is now consulting on possible remedies , designed to address these issues, based on the evidence it gathered during its market review and which can be found in the Final Report.

Process 59

Process Consulting Visa Acquirers 59

Stax

JANUARY 23, 2025

How Merchant Underwriting Works The merchant underwriting process typically follows a few steps carried out by the payment facilitators or acquiring bank to develop an underwriting risk profile. By recognizing and addressing these challenges, both processors and merchants can work towards a smoother underwriting experience.

Underwriting 68

Underwriting PCI DSS Money Laundering Processors 68

Stax

APRIL 3, 2025

Its the third-party service that serves as the link between the payment gateway, acquiring bank, and issuing bank or card network. Acquiring bank – Acts as the link between the merchant and the issuing bank. While the acquiring bank is the merchants bank, the issuing bank is the customers bank.

Payment Solutions 88

Payment Solutions Payment APIs and Integration Payment Gateways Gateways 88

The Fintech Times

DECEMBER 9, 2024

Aevi s approach, enabling businesses to work with multiple acquiring partners through orchestration, not only enhances resilience but delivers substantial cost-saving benefits. “Aevi is a leader in this rapidly growing field, offering centralised, multi-acquirer orchestration for both online and in-person payments.

Payment APIs and Integration 102

Payment APIs and Integration Online and Mobile Banking AI Financial Inclusion 102

Finextra

JULY 10, 2025

Rely on Multiple Acquirers Relying on a single acquirer puts all your eggs in one basket. Using multiple acquirers lets merchants route transactions smarter — for example, sending European cards to a European bank. This insight is crucial for addressing root causes and improving authorisation outcomes.

Transactions 52

Transactions Online and Mobile Banking Fraud Prevention Payment APIs and Integration 52

The Payments Association

JUNE 3, 2025

While still central to security, modern tokenisation addresses broader demands: interoperability across platforms, reduced operational costs, and improved customer experience. Unlike static gateway or acquirer tokens, network tokens adapt in real time to changes such as card reissuance or expiry, ensuring continuity in payment flows.

Security 88

Security Payment Security Payment APIs and Integration Credential 88

Fi911

DECEMBER 3, 2024

Acquiring banks must rely on a robust array of tools to deter fraudulent activity. However, for acquiring banks, it is crucial to not rely solely on velocity checks but to incorporate them into a multi-tiered approach that includes both pre- and post-transaction fraud prevention tools. The post What are Velocity Checks?

Checks 52

Checks Fraud Prevention Account Takeovers Fraud Detection 52

Fintech Finance

JULY 1, 2025

With this innovation, the company addresses two critical challenges for the sector: faster liquidity for clients and eliminating reliance on intermediaries, which translates into unique advantages in speed, costs, and flexibility.

Payment Solutions 66

Payment Solutions Payment APIs and Integration FinTech Cross-Border 66

Fintech Finance

JULY 16, 2025

Other updates include the ability to automatically recommend suitable payment methods, acquiring services and integration solutions based on merchant needs and Antom Copilot’s analysis of industry trends and market conditions. To ensure accuracy and reliability, the process includes merchant review and manual verification by Antom.

AI 59

AI Disputes Payments Automation 59

Stax

MARCH 18, 2025

To address evolving customer demands and accept electronic payments, you need a payment processing system. A typical payment processing procedure involves multiple parties, including the merchant, customer, payment processor, payment gateway, issuing bank, acquiring bank, and card networks.

Process 88

Process Payment APIs and Integration Processors Online and Mobile Banking 88

The Fintech Times

JANUARY 28, 2025

Success with the new licence The newly acquired PI licence enables PagBrasil to create additional innovative products, expanding and diversifying its current portfolio. With this milestone, we are even more committed to democratising access to financial services and addressing the needs of an increasingly connected world, Hoffmann adds.

Central Bank 64

Central Bank Payments Institute Instant Payments Payments 64

Stax

NOVEMBER 14, 2024

They include: the merchant, cardholder, card associations, acquiring bank, issuing bank, and payment processor. These are not banks, but rather governing bodies that set interchange rates, and arbitrate between acquiring and issuing banks. Acquiring Bank: The business’ (i.e., merchant’s) bank.

Credit Cards 88

Credit Cards Process Online and Mobile Banking Payment APIs and Integration 88

Fintech Finance

NOVEMBER 29, 2024

trillion by 2027, and NORBr is addressing the substantial development costs and long timelines that create barriers for operators aiming to modernize or launch payment solutions. The platform integrates seamlessly with payment service providers (PSPs) and acquirers, allowing clients to manage diverse payment channels with ease.

Payment APIs and Integration 94

Payment APIs and Integration Payments Facilitators Compliance 94

Fintech Finance

MARCH 6, 2025

The regulator also found that the schemes do not provide sufficiently clear and detailed information to acquirers or merchants, resulting in them receiving complex or incomplete information on scheme and processing services and fees, raising both acquirers and merchants costs and preventing them from negotiating a better deal.

Process 52

Process Visa Consulting Acquirers 52

The Payments Association

JANUARY 3, 2025

A roundtable discussion among merchants addressing the evolving challenges of fraud in their operations across various sectors. On 19 November 2024, merchants from across sectors gathered in London as part of The Payments Associations Financial Crime 360 (FC360) series to address the ever-evolving challenge of fraud in their operations.

Fraud Detection 88

Fraud Detection Fraud Prevention Participant Financial Crimes 88

Fintech News

JULY 2, 2025

Criminals have become adept at forging documents, acquiring stolen credentials and creating synthetic identities that can easily pass basic KYC checks. However, in high-speed onboarding flows, KYC often becomes a bottleneck for real users and a sieve for bad actors.

Fraud Prevention 114

Fraud Prevention Technology Checks Money Laundering 114

Finovate

JANUARY 8, 2025

TransUnion will acquire credit eligibility and distribution platform Monevo, expanding its capabilities in credit prequalification and personalized credit offers. TransUnion originally acquired a 30% stake in Monevo in 2021 and will acquire the remaining ownership position from Monevo’s majority stakeholder, Quint Group Limited.

Acquirers 52

Acquirers Origination Consumer Checks 52

Stax

MARCH 11, 2025

The acquiring bank : the is the financial institution that issued the merchant account and receives the funds from the transaction into that merchant account until the payout date. Assessment fees : this fee is paid by the acquiring bank (your merchant account provider) to the relevant card network to finance its related operational expenses.

Online Payment Processing 88

Online Payment Processing Process Payment Gateways Online and Mobile Banking 88

The Payments Association

JUNE 16, 2025

Questions address both immediate challenges (transaction fees, fraud prevention, cart abandonment) and forward-looking opportunities (emerging payment methods, international expansion, technology adoption). The methodology combines quantitative analysis of operational metrics with qualitative assessment of strategic priorities.

Innovation 88

Innovation Cross-Border Fraud Prevention Payments 88