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The 2025 dLocal Emerging Markets Payments Handbook delves into the complex landscape of preferred alternativepaymentmethods (APMs), consumer behaviors, industry shifts, and regulatory updates across Africa & the Middle East, Asia, and Latin America.
The payments industry in 2025 will see advancements in real-timepayments, AI tools, and voice-activated technologies reshaping consumer and business interactions. From pay-by-bank solutions to futuristic voice-activated payments, 2025 promises to bring significant advancements.
Beyond player retention, the latest All the Ways Players Pay annual report underscores the critical role payments play in customer acquisition and the importance of sportsbooks offering localized cashiers with alternativepaymentmethods (APMs) to ensure payment choice plus fast and secure transactions.
Regional Penetration : In North America, over 70% of online purchases are made via credit cards, while only 10% of European consumers prefer this method. Growth Trends : Despite the rise of alternativepaymentmethods, credit card transactions continue to grow in sectors like travel, accounting for 60% of all travel bookings globally.
dLocal , the leading cross-border payment platform specializing in emerging markets, today announced its partnership with Juspay , a leading payments orchestration and infrastructure provider powering global enterprises and banks.
Traditional card-based transactions are increasingly being challenged with alternativepaymentmethods such as pay-by-bank, in which consumers make direct, account-to-account transfers without the need for a card network. This shift is being driven by the rise of open banking and a push for lower-cost, real-timepayment options.
That includes advancements in Canada's upcoming Real-Time Rail, as well as adoption by Transcard of Mastercard's Track Business Payment Service to facilitate real-time, account-to-account transfers for businesses. Canada Taps Vocalink for Real-Time Rail. Volante Explores the Real-Time B2B Value Prop.
Joo Del Valle , co-founder and CEO of EBANX “This is a clear indication of how the fast and massive adoption of alternativepayment channels by consumers in emerging countries is also influencing the credit card industry in these regions, explained Joo Del Valle , co-founder and CEO of EBANX.
It also looks to reduce review and decision-making time, withlive data of the volume of travel companies and travel payments transactions each payment partner supports via Outpayces XPP.
. “This is a clear indication of how the fast and massive adoption of alternativepayment channels by consumers in emerging countries is also influencing the credit card industry in these regions,” says João Del Valle , CEO and Co-founder of EBANX.
In 2024, payment experts foresee increased demand for instant payments, greater use of alternativepaymentmethods, simplified mobile-friendly payments, user-focused and secure payment practices, automation of payment processes, and heightened reliance on data analysis and AI. .
Additionally, the use of alternativepaymentmethods like mobile wallets (e.g., Alipay, WeChat Pay) and bank transfers is prevalent, which can sometimes result in lower fees compared to traditional card payments. Additionally, the growing use of alternativepaymentmethods, such as local digital wallets (e.g.,
Consider the fact that just a few years ago, alternativepayment rails Zelle and Venmo didn’t even exist. In an age where intelligent routing must also recognize and consider alternativepaymentmethods, according to Ranta, “it’s not just about taking a payment token and then deciding which way to send the money.
A new tax payment report from ACI Worldwide (NASDAQ: ACIW), a global leader in mission-critical, real-timepayment solutions, developed in partnership with YouGov, shows that younger taxpayers – particularly Gen Z – continue to exhibit unique tax filing and payment behavior compared to older generations.
Seamless gateway integrations with other business tools , such as shopping carts and accounting software, can reduce manual work and streamline operations, saving time and resources. Integrations ensure all payment details are accurately reflected in your systems.
One of the latest announcements in recurring payments for rising markets is Pix Automático , set to be launched by the Central Bank of Brazil in June 2025. In Brazil, 57% of gaming sales made through alternativepaymentmethods are via Pix, according to PCMI.
Fintech startups, blockchain technology, and the rise of decentralised finance (DeFi) are proving to be worth challengers to traditional card-based payment systems. The rise of alternativepaymentmethods like cryptocurrencies, mobile payments (e.g., High fees can erode the precious and often narrow profit margins.
An answer to our pain has been developing over the past few years through paying with bank payments or transactions. These alternatepaymentmethods are growing in popularity. There are two competing systems developing, Fed Now from the Federal Reserve and RealTimePayments from The Clearing House.
Will this open a door for alternativepaymentmethods? “It’s key that fintech steps up to provide reliable and importantly, safe alternativepaymentmethods for both merchants and banks. Money that could be used to pay staff, suppliers, rent, and bills goes to the payment processor.
Westlake spent a month and a half testing use cases and troubleshooting fraud scenarios before it was well aware that immediate payments could bring reduced administrative costs, rapid speeds and 24/7 year-round availability, but such transactions are also nearly irreversible, adding complexity. Early Intervention.
Fiserv’s Digital Payments SDK is ideal for Bursari , with a suite of customizable APIs, eChecking and “bank-grade risk and fraud capabilities for money movement.” Getting to Class On Time. Paper checks are a costly time-suck, and the entire world is over it (except, presumably, check printers and the USPS).
Participants Emerging trends in merchant payments: The next 12 months The roundtable began with an exploration of emerging payment trends set to shape the industry. Sophie Chandler highlighted how the adoption of alternativepaymentmethods is gaining momentum.
The launch of our new Hosted Pages reflects our commitment to delivering best-in-class solutions that not only improve conversion rates and streamline payment processes, but also enable our partners’ growth in an increasingly competitive landscape.”
By 2027, it is anticipated that real-timepayments will constitute 27.8% of all electronic payments worldwide, a substantial increase from the 18% observed in 2022, per ACI Worldwide’s report It’s Prime Time for Real-Time 2023. Projections indicate that this figure will soar to 511.7
This shift is propelling an increase in low-value payment transactions, effectively displacing cash from the equation. Another key trend is the rise of P2P payments. Alternativepaymentmethods and e-wallets are revolutionising how people transact, providing near real-time fund transfers.
Alternativepaymentmethods are on the rise as the demand for real-timepayments soars, including contactless, which has transformed into a mainstream financial tool.
And the digital payments landscape made a global-scale impact, both positive and negative which FIs now must deal with. For every story about real-timepayments making it easier for people to send money to others in desperate need, there seems to be a parallel story about scams. And PYMNTS.com says the U.S. trillion.
ACI Worldwide’s live demo and real-timepayment integration will show how developers can use ACI’s COPYandPAY , the first SAQ-A compliant JavaScript payment-form solution, to easily add dozens of alternativepaymentmethods and card brands to the checkout page.
Now consumers are putting those legacy systems through their paces across commerce: eCommerce, mCommerce, no cards attached and real-timepayments — these changes have come fast and furious. The competition is the payments system provider. “We But how to allow for the Rumsfeldian unknown unknowns mentioned above?
Over time, late payments have a detrimental effect on cash flow and company resources, especially if you need to get outside creditors involved. In fact, 81% of large retailers say that real-timepayments are critical to their operations.
According to the latest Mordor Intelligence report , Australias payments market size is presently valued at $1.07 Australias New Payment Platform (NPP) The New Payments Platform (NPP ) is Australias real-timepayment system, launched in 2018 to enable fast, 24/7 bank transfers.
Same Day ACH transfers and other forms of real-timepayments certainly have the power to transform the banking industry and B2B payments. With Phase 2 of the faster payments transition looming, what other technologies could hold promise in the space? That large sum was the result of 3.8
Faster Payments: The Federal Reserve is spearheading efforts to modernize the U.S. payment system by developing a real-timepayment service known as FedNow. This initiative aims to facilitate faster, more secure, and more efficient payments, keeping pace with evolving consumer expectations.
“Emerging markets are leading the global shift towards real-timepayments, with innovations that match their populations’ demands for speed and convenience,” said Joo Del Valle, CEO and Co-founder of EBANX. It delivers exclusive projections and insights supported by the latest data and expert perspectives.
Competitive edge: Innovations in payment solutions One of the biggest advantages of a payment orchestration platform is its ability to integrate various paymentmethods, including alternativepaymentmethods (APMs) and cryptocurrencies.
“Global regulations around national and international payment services are expected to adapt to the rapid digitalisation of financial services and the increasing prominence and use of digital wallets and alternativepaymentmethods.
Well accomplish this by forging strong local partnerships, ensuring that our merchants consumers have the most popular local paymentmethods, enhancing our AI-driven fraud prevention capabilities, and integrating more local alternativepaymentmethods to meet the diverse needs of customers.
They offer convenient online paymentmethods and are gaining widespread adoption. Users value the speed and ease of contactless payments and real-timepayments. Buy Now Pay Later is a service that allows consumers to make purchases and pay over time. What is Buy Now Pay Later (BNPL)?
Automated invoice collections send timely reminders to customers, helping to minimize overdue payments and improve overall collection rates. Additionally, a robust payment processor should integrate seamlessly with accounting systems, enabling real-timepayment reconciliation and reducing errors in financial reporting.
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