The Payments Association

JUNE 16, 2025

Simon Treacy Financial Regulation Counsel, Linklaters “The Bank of England is cautiously exploring a digital pound, confirming offline functionality is technically feasible, though not without trade-offs like secure hardware and balance caps. Key policy questions remain unresolved, including liability, privacy, and consumer demand.

Settlement

M2P Fintech

APRIL 11, 2025

Additionally, the enforcement of the 75% Loan-to-Value (LTV) cap was uneven, and risk weights were incorrectly applied. Loan-to-Value (LTV) Cap and Tenure The draft reiterates the LTV cap of 75%, ensuring responsible lending. This makes it easy to ensure that bullet repayment loans are capped as per regulatory guidelines.

Due Diligence

M2P Fintech

APRIL 10, 2025

These loans typically offer 50% to 90% of their worth, with caps at 45% for equity funds and 75% for debt funds. Credit Assessment: Assessing the credit line based on an approved list of securities is essential for determining borrower eligibility and for mitigating risks associated with lending against mutual funds.

Mitigation

Clearly Payments

MAY 22, 2025

Assessment Fee A fee charged by the card networks (Visa, Mastercard, etc.). Markup The amount the processor adds on top of interchange and assessments. Underwriting The process of assessing risk before approving a merchant account. Volume Cap A limit on how much a merchant can process per month. FedNow A new U.S.

Online and Mobile Banking

The Payments Association

JULY 18, 2025

Next steps/action required: Conduct or update a fraud risk assessment, with documented outputs and regular review cycles. FCA rules are expected to include enhanced obligations around financial promotions, complaint handling, creditworthiness assessments, and tailored disclosure.

Regulations

Stax

JULY 7, 2025

Assessment fees: Assessment fees are charges imposed by the card brands themselves. Additionally, businesses should assess the cheapest payment processor specializing in and supporting surcharging. Colorado, for example, caps surcharging rates at 2% or the actual costs the business pays for processing.

Credit Cards

Cardfellow

JULY 31, 2025

However, it’s important to note that many membership pricing models cap the number of transactions a business can process at each membership level. Remember that the wholesale cost of interchange and assessments is the same for every processor, so we can disregard it in our example and focus on the processor’s markup.

Accounts

EBizCharge

APRIL 22, 2025

Therefore, businesses need to assess their customer demographics to determine which methods are essential to offer. Is there a cap on how many transactions can be processed through your Salesforce gateway? Is there a cap on how many transactions can be processed through your Salesforce gateway?

Payment APIs and Integration

EBizCharge

MAY 5, 2025

Assessment fees: Assessment fees are imposed by major credit card networks (Visa, Mastercard, etc.) Additionally, credit card networks typically cap surcharge amounts around 3-4% of the transaction total, and merchants must notify the card brands prior to adding a surcharge. While surcharging is permitted in most U.S.

Credit Cards

The Fintech Times

FEBRUARY 15, 2025

This platform enhances financial compliance through real-time data processing, risk assessment, and regulatory alignment, ensuring that financial institutions meet Saudi Arabias evolving fintech regulatory landscape. Saudi technology provider T2 acquired Moola , a corporate expense management platform.

Innovation

Finextra

AUGUST 4, 2025

Those that get it right turn compliance into a competitive advantage (“we onboard you fast and keep you safe”), whereas those that lag may see regulators cap their growth or erode customer confidence. Identify overlaps and assess utilization. Fewer systems mean less maintenance and training overhead.

AML

Payments Dive

JULY 14, 2025

The Connecticut law caps fees that can be charged at $4 per advance, and $30 in total per month. In addition, the law caps late fees at 5% “of the outstanding installment payment, excluding any previously assessed late fees, or a total of twenty-five dollars per month, whichever is less.”

Laws

Neopay

JULY 29, 2025

Summary Consultation on changes to the Office of Financial Sanctions Implementation’s civil enforcement processes for financial sanctions and the oil price cap. They could also improve the transparency of OFSI’s enforcement case assessment process. The introduction of a settlement scheme for monetary penalty cases.

Consulting

The Payments Association

OCTOBER 14, 2024

The Payment Systems Regulator’s decision to lower the cap for APP fraud reimbursements to £85,000. The Payment Systems Regulator (PSR) recently announced a significant change to the cap for authorised push payment (APP) fraud reimbursements. What is this article about? Why is it important? What’s next?

Caps

The Finance Weekly

JUNE 24, 2024

On the other hand, the most valuable companies are assessed based on a broader set of criteria, including future earnings, market share, and other factors. Market capitalization, or market cap , is calculated by multiplying the current stock price by the total number of outstanding shares. For instance, a company with 2.34

Caps

The Fintech Times

DECEMBER 15, 2024

To ensure this doesn’t continue, it has proposed a consultation to price cap remedy to protect firms. Mastercard and Visa were not able to show that they undertook any specific assessment when deciding to increase their fees and the PSR has seen no evidence that the pre-increase fee levels were not working. What’s next?

Cross-Border

PYMNTS

FEBRUARY 6, 2020

The hearing was titled “Rent-a-Bank Schemes and New Debt Traps: Assessing Efforts to Evade State Consumer Protections and Interest Rate Caps.”. She noted that states have interest rate caps on non-bank installment loans, with a median cap on a $500 loan of about 37.5 The Rent-a-Bank Scheme.

Caps

Fintech News

SEPTEMBER 23, 2024

The BOT will now assess the applicants based on their qualifications, potential, and capacity to operate a virtual bank, in accordance with the Ministry of Finance’s guidelines issued on 4 March 2024. A consortium formed by Lightnet and WeLab is reportedly competing, as is Thailand Post , following the approval from its board.

Central Bank

PYMNTS

DECEMBER 23, 2019

On a review, it has been decided that the aggregate exposure of a lender to all borrowers at any point of time, across all P2P platforms, shall be subject to a cap of [Rs 5,000,000] provided that such investments of the lenders on P2P platforms are consistent with their net-worth,” the RBI said.

P2P

Fintech News

APRIL 28, 2024

The accreditation was granted following a meticulous evaluation process conducted by SFA, with an independent assessment by Price Waterhouse Coopers (PwC). It includes several consumer protections, such as limits on outstanding payments, caps on fees, transparent disclosures, and ethical marketing standards.

BNPL

Clearly Payments

AUGUST 14, 2024

Unlike Europe, where interchange fees are capped at 0.3% The European Union’s regulations, such as the Interchange Fee Regulation (IFR), have capped interchange fees, resulting in more competitive pricing for merchants. Due to the EU’s Interchange Fee Regulation, which caps interchange fees at 0.3%

Process

Fintech News

APRIL 2, 2024

To qualify as an accredited investor, an individual must demonstrate considerable financial robustness, evidenced by owning more than S$2 million in net personal assets—with the valuation of a primary residence capped at S$1 million—or possessing over S$1 million in net financial assets, or earning an annual income exceeding S$300,000.

Rules

PYMNTS

JANUARY 17, 2020

Alphabet Market Cap Hits $1T. In the B2B Healthcare Payments Report, Vice President of Insurance Operations Brett Lotito for Oscar Health discusses the viability of using physician portals and automated claims assessments to get doctors paid within just five days. China’s economy grew by 6.1

Caps

PYMNTS

DECEMBER 21, 2020

Checkout platform Bolt has closed a funding round with $75 million, capping a year where it processed $1 billion in transactions, according to a report by Venture Beat. Bolt also saw a tenfold increase in the size of its shopper network, along with 250,000 added shoppers to its network per month.

Innovation

Fintech News

SEPTEMBER 29, 2024

These schemes are facilitated by the fact that many BNPL firms do not conduct formal credit checks, instead relying on internal algorithms to quickly assess new clients. This creates vulnerabilities, allowing fraudsters to easily slip through by providing fake or stolen information. billion by 2025, reaching a total of US$8.83 billion.

BNPL

The Payments Association

OCTOBER 22, 2024

It represents a major regulatory shift, requiring firms to enhance governance, fair value assessments, and customer support, with significant compliance challenges. According to the FCA, every firm is expected to assess the risks their products and services carry to consumers and act accordingly to prevent potential harm.

Consumer

PYMNTS

DECEMBER 1, 2020

Facebook once again will be matching user donations — up to a $7 million cap as it did last year. Last year it hit its cap before a half a minute had expired due to the rapid inrush of donations. And, as has increasingly been the case in recent years, incentives to give are springing up.

Caps

The Fintech Times

DECEMBER 19, 2023

BNPL service providers are now classified as ‘Retail Credit Firms’, obligating them to assess the suitability of their products for consumers and evaluate the consumer’s ability to repay the debt over the agreement’s duration. Furthermore, credit providers are now bound by a maximum Annual Percentage Rate of 23 per cent.

BNPL

Stax

SEPTEMBER 26, 2024

It requires stringent adherence to regulatory guidelines and card network rules, from surcharge caps to disclosure requirements. Some states cap the surcharge rate to a set rate or dollar amount. They also owe assessment fees to card networks for making use of their infrastructure.

Credit Cards

PYMNTS

SEPTEMBER 20, 2016

According to a report by Bloomberg , the payday lender has to give back the money to more than 97,000 customers because of practices that include failing to assess if the loans were affordable for clients. “We Some of the steps it has taken include capping the amount of interest and fees payday lenders can charge. CFO Lending , a U.K.

Authorization

Global Fintech & Digital Assets

OCTOBER 30, 2023

VA-Related Product Distribution Knowledge Assessments : Intermediaries are required to assess whether clients have knowledge of investing in VA or VA-related products prior to effecting a transaction in VA-related products (other than for institutional professional investors and qualified corporate professional investors (Exempt Investors)).

Regulations

PYMNTS

MAY 17, 2019

The proposed credit card interest rate cap legislation , courtesy of Democratic presidential hopeful Senator Bernie Sanders and Rep. Alexandria Ocasio-Cortez, is in serious need of an almost half-century-old refresher course in the unintended consequences of price caps on the American consumer. Here’s why.

P2P

Stax

AUGUST 22, 2024

PayFacs handle risk assessment, underwriting, settling of funds, compliance, and chargebacks which exposes them to greater potential risks. PayFacs also handle risk assessment, underwriting, settling of funds, compliance, and chargebacks. Think of them as service providers that rent their master merchant accounts to their clients.

Risk Management

PYMNTS

MARCH 22, 2020

trillion asset cap imposed as a punishment on its profits and expansion, in order to help with the coronavirus pandemic, according to the Financial Times. The bank said it would use the removal of the cap to lend an olive branch of support to small businesses and customers affected by the economic turmoil that has gone along with the virus.

Caps

Stax

DECEMBER 6, 2023

Businesses that choose to add surcharges can either charge a fixed flat fee or a percentage of the transaction amount with a cap on the total. Credit card processing fees , including interchange fees , assessment fees, and network fees, are a significant expense for merchants. Visa, MasterCard) and the merchant’s industry.

Consumer

PYMNTS

OCTOBER 4, 2019

The PayPal exit caps a week where the payments firm, along with Visa and Mastercard, had been rumored to be wavering in their support for the project. This journey to build a generational payment network like the Libra project is not an easy path.

PayPal

The Payments Association

OCTOBER 21, 2024

Many will also use this as an opportunity to re-assess the investment required and make improvements that meet the ever-changing threat of economic crime. It is promising to hear that the changes have already spurred some organisations to review their existing counter-fraud processes and systems.

Scams