Fintech Finance

JUNE 11, 2025

By passing through authentication data to the issuer, merchants in the U.S. 3DS Flex boosts authorization rates and reduces extra authentication steps while maintaining heightened levels of security. using 3DS Flex from Worldpay can enhance payments security and shopper experience while improving approval rates.

Authorization

Fintech News

APRIL 29, 2025

Banks will also be able to integrate tokenised credentials into AI platforms, giving issuers continued visibility and control. Retailers will be able to recognise agent-facilitated transactions and offer relevant promotions based on Mastercard’s authentication and tokenisation systems.

Visa

The Payments Association

MAY 28, 2025

Manual card entry, inconsistent authentication requirements and consumer hesitancy about storing payment information often create a labyrinthine checkout process. Mastercard has boldly committed to eliminating manual card entry and password authentication in e-commerce entirely by 2030.

Credential

The Payments Association

NOVEMBER 28, 2024

It emphasises strong customer authentication and transaction transparency. The revised regulations on strong customer authentication and liability rules are significant. Data sharing: Businesses will need to provide more detailed information to issuers to comply with SCA requirements. What are PSD3 and PSR?

Authentication

Clearly Payments

MARCH 14, 2025

Card Network Communicates with Issuer : The card network forwards the request to the issuing bank for authorization. Issuer Approves or Declines : The issuing bank verifies the cardholders account balance, fraud risk , and other factors before approving or declining the transaction.

Credit Cards

Finextra

JULY 10, 2025

Authentication Problems Security protocols such as 3D Secure require customers to complete additional verification steps during checkout. For high-volume or international merchants, this setup can significantly reduce declines caused by mismatches between issuer expectations and processor behaviour. Use 3D Secure 2.0

Transactions

Fintech Finance

MARCH 10, 2025

Upon tapping, a unique one-time code validated by Visa’s Chip Authenticate service, ensuring secure provisioning of card credentials and offering a significantly faster and more secure alternative to traditional methods.

Digital Payments

The Fintech Times

JUNE 14, 2025

3DS Flex boosts authorisation rates and reduces extra authentication steps while maintaining heightened levels of security. This is why we partner with card networks like Visa to enhance authorisations – at the end of the day, it helps merchants achieve the highest standards of security while improving the overall customer experience.”

Mitigation

Stax

JULY 21, 2025

Mastercard also takes a fee during different steps of the payment process, such as when the issuer authorizes a transaction or when funds settle in an account. They act as debit and credit card issuers and are responsible for determining transaction fees and what rewards programs cardholders are eligible for. What makes them different?

Visa

The Payments Association

JANUARY 3, 2025

The card issuers often side with the customer without consulting us, which is unfair and costly. Regulatory frameworks like PSD2s Strong Customer Authentication (SCA) have helped establish baseline protections, but they often fail to keep pace with the evolving nature of fraud, he remarked.

Fraud Detection

Finextra

JULY 1, 2025

Traditional authentication methods rely heavily on static passwords and one-time codes, which can be easily compromised. Unlike traditional authentication methods, this approach goes beyond simple device recognition, incorporating sophisticated behavioral analysis. First, it verifies the devices trusted status.

Account Takeovers

Finextra

JUNE 11, 2025

Aadhaar Enabled Payment System (AePS) (2014): Leveraged Aadhaar biometric identity for financial inclusion, allowing basic banking services through biometric authentication at agent points. RuPay Cards (2012): NPCI launched Indias domestic card payment network, reducing reliance on international schemes and promoting domestic processing.

Financial Inclusion

The Fintech Times

MARCH 10, 2025

Upon tapping, a unique one-time code is validated by Visa’s Chip Authenticate service, ensuring secure provisioning of card credentials and offering a significantly faster and more secure alternative to traditional methods.

Digital Payments

The Payments Association

JUNE 3, 2025

This transformation is further accelerated by the rise of Passkey authentication, which, as Srinivasan put it, enables secure and frictionless payments. Global standard-setting bodies such as EMVCo have begun aligning specifications to ensure token interoperability across issuers, acquirers, and networks.

Security

Fintech Finance

JUNE 10, 2025

Digital Identity: This suite of solutions includes Passkeys, Tap to Confirm, and enhanced data which are meant to identify and authenticate digital users. Participating issuers will enable cardholders to accept contactless payments through their bank’s mobile app.

AI

Fintech Finance

MARCH 3, 2025

It has picked up traction and enabled millions of tokens for more than 100 issuers, helping achieve higher authorisation rates and fraud reduction rates. Visa cardholders can add their Visa cards to Apple Wallet faster than ever, with no need to manually input card details.

Point-of-Sale (POS)

The Fintech Times

NOVEMBER 11, 2024

When it comes to true fraud prevention tactics, such as adding two-factor authentication, setting up account alerts or using face ID or fingerprint authentication to log into accounts, are being taken by customers no more than 20 per cent of the time.

Credit Cards

Stax

NOVEMBER 21, 2024

Once your payment processor sends the customer’s data to the issuing bank/card issuer (customer’s bank), the bank will check for the card’s validity and the availability of adequate funds or credit. A good example is restaurants that accept customer takeout orders over the phone.

Credit Cards

The Fintech Times

MARCH 18, 2025

We created new Pix solutions – like International Pix, Pix Roaming , and 1-Click Pix (Pix With Embedded Authentication) setting the standard for payments in Brazil and beyond. In 2025, PagBrasil received authorisation from the Central Bank of Brazil to operate as a payment institution (PI) in the electronic money issuer category.

Online and Mobile Banking

Stax

DECEMBER 9, 2024

These records can serve as valuable evidence in the event of a chargeback dispute, helping you present your case to the card networks or issuers. The cardholder contacts their credit card issuer, providing details of the disputed transaction and the reason for the dispute.

Credit Cards

The Fintech Times

JANUARY 20, 2025

protocol is designed to support issuers, acquirers, and merchants in reducing fraud and improving transaction approval rates. Additionally, it was created to ensure compliance with regulatory requirements like strong customer authentication (SCA). ” EMV 3DS 2.3.1.1 protocol The EMV 3DS 2.3.1.1

EMV

Fintech Finance

APRIL 7, 2025

For years, Forter’s Payment Optimization solution has empowered businesses to customize payment authentication based on user risk and issuer preferences. Today, Forter is expanding these capabilities with the beta launch of Predictive Payment Routing.

Bots

The Payments Association

DECEMBER 18, 2024

With advanced fraud management systems using AI and machine learning, issuers will proactively stop fraud before it happens, boosting consumer trust and confidence. Payments will be seamless and invisible, with biometrics on devices as the main form of secure customer authentication (SCA).

Cross-Border

Finextra

JUNE 11, 2025

Strategic CX Advantage: For merchants and issuers alike, enabling near-instant transactions enhances loyalty and repeat usage—directly impacting ROI on digital channels. Implication for FSIs: Banks must move beyond static authentication models and embrace real-time risk scoring , behavioural biometrics , and API-first integration to compete.

Consumer

Finextra

JUNE 25, 2025

Through dynamic routing, AI: Selects the most efficient payment path based on success history, fees, geography, and issuer performance. AI is enabling: Biometric authentication that eliminates passwords and PINs. AI optimises behind-the-scenes decisioning to avoid this pain. Learn from every attempt to refine future routing decisions.

Fraud Detection

Finextra

JUNE 2, 2025

Open Banking frameworks baked in audit trails, secure authentication, and regulatory oversight to ensure that when you share your data, it’s handled safely. Or do you instead regulate the touchpoints where decentralized and traditional systems meet (like fiat on-ramps, stablecoin issuers, or major developers)?

Finance

The Payments Association

JULY 18, 2025

Consider strategic partnerships with authorised issuers or custodians to minimise overhead while gaining regulatory cover for stablecoin-enabled products. Following the removal of EU-wide caps after Brexit, issuers raised IFs from 0.2% Issuers and card schemes should gather cost data to influence cap-setting—e.g.,

Regulations

The Fintech Times

JANUARY 31, 2025

The firm claimed its funds were screened to exclude bond issuers with activities in the likes of fossil fuels, although the Australian Securities and Investments Commission found that as much as 74 per cent of the securities in the fund (by market value) were not researched or screened against applicable ESG criteria.

FinTech

Stax

APRIL 10, 2025

With credit cards, customers pay for goods and services using a line of credit provided by their card issuer who lends them funds up to a limit determined by their creditworthiness (credit history). This allows them to finance large purchases, which is good for you since they will buy more goods and services from your business.

Small Business

Clearly Payments

MAY 22, 2025

Issuer (Issuing Bank) The issuing bank is the bank that gave the customer their credit or debit card. 3D Secure An added layer of authentication (e.g., Gateway A service that connects your website to payment networks. Processor The company that handles the technical side of the transaction. Verified by Visa).

Online and Mobile Banking

The Payments Association

MARCH 17, 2025

Any increase would need to be supported by robust fraud prevention measures, including tokenisation and dynamic authentication. Consumer protection : Introducing safeguards for redemption and issuer failure, without restricting market development.

Regulations

Finextra

JUNE 23, 2025

These systems will analyse email content and, by cross-referencing it with past communications from the supposed sender, determine how likely the message is to be authentic. Soon, GenAI-based email scanners are expected to mitigate this threat. Here’s How We Enable That. We use cookies to help us to deliver our services.

AI

Finextra

JUNE 5, 2025

When digitally signed, their authenticity and integrity can be verified without manual intervention. The credibility of these credentials depends on the authority and verifiability of their issuers. Competent authorities should attest to the legitimacy of issuers. Interoperability is crucial.

Credential

Finextra

JUNE 17, 2025

Additionally, Amazon’s partnership with Roku, announced on June 16, 2025, to create the “largest authenticated Connected TV (CTV) footprint” in the U.S. The company’s e-commerce operations, which account for nearly 40% of U.S. online sales, are poised to capitalize on easing trade tensions, as Amazon sells and facilitates imported goods.

AI

Payments Dive

JANUARY 11, 2019

a risk-based approach to authentication, can help issuers mitigate fraud and deliver a fast-lane, frictionless checkout experience to customers. 3D Secure 2.0,

Authentication

Payments Source

JANUARY 25, 2021

Biometric authentication has always been a challenging subject with consumers, who are accustomed to using the technology to unlock their phones but are still wary about how much personal information they share with retailers and card issuers.

Contactless Payments

Fintech Finance

AUGUST 7, 2024

Tribe Payments , the pioneering digital payments and infrastructure orchestrator which specialises in issuer and acquirer processing, has been selected by embedded financial services platform, Orenda Finance , to provide its issuer processing services. Íkualo hopes to reach 70,000 active accounts in the country.

Issuers