The Payments Association

NOVEMBER 18, 2024

By understanding their merchant clients’ cash flow patterns, sales volumes, and overall financial health, banks are better equipped to assess credit risk and offer tailored financing solutions. There are concerns however, that if they leave it long enough, they’ll hit a point of no return.

FinTech

Cardfellow

JUNE 14, 2025

They find businesses like yours and set them up with services from an ISO, in return receiving a residual commission. Assessments. Interchange and assessments are the same for every processor, so when you’re comparing price quotes, this is the fee that determines which is the best credit card processor for you.

Credit Cards

The Fintech Times

FEBRUARY 6, 2025

The new offering combines daily credit risk modelling with agentic research to provide a dynamic, 360-degree risk assessment. In todays fast-paced financial markets, access to timely, integrated information is crucial for effective risk assessment, said Rajiv Bhat , CEO of martini.ai. Rajiv Bhat, CEO of martini.ai

Research

Fintech Finance

JUNE 15, 2025

Justt , the leader in AI-based chargeback management, announces Dispute Optimization, a first-in-market capability designed to help merchants make informed and timely decisions on chargeback disputes, reducing associated costs and ensuring the highest possible returns, at scale.

Disputes

The Fintech Times

JUNE 3, 2025

For buyers, this includes giving users a personalised consultation to assess financial readiness and homeownership goals. Homebuyers, sellers and real estate agents across California will now have access to Zown’s services. Arguably the biggest benefit though comes in the shape of the low agent commissions.

Process

Finextra

JUNE 26, 2025

And if your customers don’t feel safe while making payments, they won’t return. Yes, trust is everything. You know this already. But what’s often unclear is how to stay secure and compliant in a space that’s constantly changing. That’s where PCI DSS, PSDS2, and AML come in. Most local laws follow their recommendations.

PCI DSS

Cardfellow

JUNE 28, 2025

Declining Transactions Based on AVS Result Payment gateways, used for accepting credit cards online, often allow you to set AVS filters to automatically reject transactions if they return AVS results of non-matching information. Your processor does not have control over assessment fees. Is using AVS worth the cost?

Addressing

Clearly Payments

JULY 12, 2025

non-cash payments increased 6%, with card-based transactions accounting for the vast majority of monthly spending as GDP-supported confidence returned. Risk assessments related to sectors or customer segments with GDP sensitivity. GDP trends influence: Revenue forecasting for businesses that rely on transaction-based income.

Payments

My Payment Savvy

JUNE 16, 2025

This decision is returned instantly. Providers assess business legitimacy and financial stability before approval. Issuing Bank Approves or Declines The customer’s bank checks whether funds are available, looks for fraud flags, and then either approves or declines the transaction. After approval, technical implementation begins.

Payment Gateways

Stax

MAY 6, 2025

Your payment processor adds a markup to the cost of interchange (and assessment) which is clearly indicated in your statements. With this pricing structure, the payment processor separates the interchange fees for processing payment.

Credit Cards

Finextra

JULY 7, 2025

Built on OpenAI’s tech, this chatbot can manage multilingual customer inquiries about refunds, returns and orders, effectively doing the work of 700 full-time support agents. It also powers a conversational shopping feature (a ChatGPT plugin) that offers product recommendations.

AI

Stax

JUNE 23, 2025

You will also need to manually handle ACH returns or rejections due to issues like incorrect account information, closed accounts, or insufficient funds. These help ensure compliance with automated clearing house rules and minimizing the risk of return transactions due to insufficient funds or incorrect account information.

ACH

The Payments Association

JUNE 11, 2025

45% of shoppers in the UK have admitted to return fraud or policy abuse, representing an estimated £22.8 billion in return-based fraud in 2022. Integration with multiple data providers enhances fraud analysis across UK market conditions, creating comprehensive risk assessment capabilities that scale with platform growth.

Risk

M2P Fintech

APRIL 10, 2025

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. Addressing Key Obstacles in LAMF Despite its benefits, the LAMF as a sector grapples with significant hurdles.

Mitigation

Finovate

JUNE 11, 2025

At the conference, ANNA Money demoed how its tax and VAT accounting functionality provides self-assessment and VAT returns without the cost of relying on dedicated accountants. The technology automatically categorizes and reconciles expenses, calculates VAT and tax in real time, and submits completed tax and VAT returns to the HMRC.

Debit Card

The Payments Association

MAY 3, 2025

Dimitrova encapsulated the prevailing sentiment with a candid assessment: The only certainty is uncertainty. With tighter funding conditions and capital decisions increasingly centralised in the US, she noted, businesses must now navigate evolving expectations around returns, risk profiles, and financial runway.

Payment APIs and Integration

Fintech Review

APRIL 11, 2025

Its a recap of the key themes weve explored, a primer for new readers, and a cornerstone reference for those returning. Big Data Analytics : Helps predict customer behaviour, optimise pricing, and assess creditworthiness in real time. This guide brings it all together.

FinTech

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. Refunds & Adjustments Refund Returning money to a customer.

Online and Mobile Banking

The Payments Association

FEBRUARY 3, 2025

This feature allows merchants to share essential transaction detailssuch as return policies, product descriptions, and shipping informationdirectly with the cardholders bank when a dispute is initiated. Order validation Collaborating with banks: One of the standout features of Avoided.io Prevention alerts early warning system: Avoided.io

Fraud Prevention

M2P Fintech

APRIL 11, 2025

Secure Collateral Handling: Collateral must be stored securely, and lenders face penalties for delays in returning collateral after repayment. Prompt Collateral Return: Collateral must be returned within 7 working days after full repayment, with a 5,000/day penalty for delays.

Due Diligence

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

Fintech Review

MAY 16, 2025

Investors from angel groups to global VCs attend to scout, assess, and network. Being in the room, especially for networking, often delivers the highest return. Corporates attend to spot trends, source talent, or announce new ventures. Regulators join to understand innovation and share policy direction. Your time is limited.

Innovation

Fintech News

JULY 1, 2025

Sumsub ’s Anti-Money Laundering (AML) Transaction Monitoring solution delivered a 272% return on investment (ROI) over three years. The study assessed the outcomes for an organisation that had adopted the solution, based on an interview with a decision-maker.

AML

Stax

DECEMBER 9, 2024

Implement Clear Refund Policies Clearly state your refund and return policies on your website or at your physical store. Investigation and Provisional Credit Upon receiving a chargeback request, the credit card issuer conducts an investigation to assess the validity of the claim. You should provide multiple contact options (e.g.

Credit Cards

The Payments Association

MARCH 17, 2025

Dennis Cheng Principal, financial services, Gladius Assurances In its 2021/22 Business Plan, in response to the Gloster Report, the FCA announced its Transformation Programme, promising to raise standards with more intensive assessment and greater scrutiny of firms' financials and business models.

Regulations

Finovate

JANUARY 22, 2025

Sikoia’s solution combines AI, traditional data extraction methods, and advanced business logic and categorization to automate key aspects of the verification process such as income, affordability assessments, and application completeness.

Verification

The Finance Weekly

OCTOBER 29, 2024

This practice allows businesses, investors, and finance professionals to evaluate investment opportunities, assess risks, forecast future scenarios, and support strategic decision-making. Investment Evaluation - Assessing mergers, acquisitions, or new projects. Business Valuation - Determining the value of assets or entire companies.

Assessments

The Fintech Times

JULY 16, 2025

I am introducing new targets for the FCA and PRA to cut times on authorisations and approvals, and I have tasked the FCA with assessing the impact of the Consumer Duty and whether it unduly affects wholesale activity to ensure that regulators are really regulating for growth,” she said.

Regulations

Stax

JANUARY 21, 2025

You can easily monitor things like restocking, returns, and sales with the right POS technology. Carefully assess how each potential POS system youre interested in handles these features. Inventory management Most modern POS systems can also track and record inventory movements. Do you need to pay more for certain features?

Point-of-Sale (POS)

Fintech News

JULY 14, 2025

Return on investment is increasingly viewed through a strategic lens. While only 34% of firms prioritise immediate cost savings, 51% assess cloud success by scalability, 47% by revenue growth, and another 47% by improvements in security and resilience.

APACS

Finextra

JUNE 6, 2025

Suspicious exchanges often inflate trading volumes through wash trading (creating artificial activity), promise unrealistic returns, or offer "guaranteed" profit opportunities. Services like Nomics and Messari now provide "Transparent Volume" metrics that assess the credibility of reported trading volumes.

Cryptocurrency

Nanonets

NOVEMBER 25, 2024

The training and validation losses are monitored to assess model performance, ensuring it generalizes well. GO] is a pre-defined start of sequence symbol while [s] represents a space or end of a character sequence. During training, the model learns to map pixel-level information from the images to meaningful English text.

Correspondent

The Paypers

JUNE 20, 2025

Stablecoin interest beyond crypto-natives Financial institutions and large corporations are increasingly assessing how stablecoins might improve payment systems. They also provide opportunities for issuers to generate returns on collateral reserves.

Stablecoins

Fintech Weekly

JULY 10, 2025

This has compounded a persistent sentiment of risk aversion and exacerbated typical business concerns such as increasing costs, time constraints, and reduced return on investment (ROI) when newer technologies are not implemented as effectively as intended. This is a fundamental factor that guides any migration from legacy.

Technology

EBizCharge

JULY 11, 2025

Before jumping into a full-scale implementation, it’s important to assess whether the benefits of custom billing truly align with your business needs and goals. What’s the real return on investment if we move to a custom setup? Before diving in, pause and evaluate: What are the current bottlenecks in our billing cycle?

Credit Cards

Finextra

JUNE 23, 2025

Approval rates also reflect fundamental flaws in risk assessment. They are less likely to return, and more likely to warn others. Instead of supporting long-term growth, many loans are structured for short-term returns. These figures include businesses with solid revenues, clear growth plans, and healthy repayment histories.

Small Business

Payments Dive

JULY 14, 2025

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.” It also limits the accrual of interest after the maturity date to 12% on a daily basis for the unpaid balance.

Laws