NY crafts BNPL rules
Payments Dive
JUNE 27, 2025
New York’s regulation of buy now, pay later will be based on data and BNPL firms' input, DFS boss tells fintech conference amid industry disapproval.
Tech-Driven BNPL: How Sophisticated Technologies Are Reshaping the BNPL Market
Finextra
JUNE 6, 2025
By 2028, the number of users of BNPL services (Buy Now, Pay Later) is predicted to double to 670 million, an explosive 107% growth compared to 2024. PayPal’s BNPL solution, Pay in 4, incorporates sophisticated fraud prevention technology and machine learning models to assess creditworthiness quickly. on an annual basis to reach US$560.1
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Balance, Alibaba team on BNPL for biz clients
Payments Dive
JULY 2, 2025
Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Dive Brief Balance, Alibaba team on BNPL for biz clients Small and mid-sized businesses can now use Balance’s buy now, pay later financing on the global e-commerce marketplace.
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Protections to Help Buy Now Pay Later Borrowers Navigate Their Financial Lives
Fintech Finance
JULY 17, 2025
BNPL FCA regulation is set to bring key consumer protections to buy now pay later lending in the UK. These BNPL rules mirror protections in other types of credit. The proposals include requiring lenders to check that people can afford to repay BNPL loans and to offer support if they get into financial difficulty.
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Bring on the BNPL regulation, but let’s get it right!
Finextra
JUNE 23, 2025
Community Your feed Latest expert opinions Groups Join the Community 23,320 Expert opinions 42,503 Total members 339 New members (last 30 days) 180 New opinions (last 30 days) 29,094 Total comments Join Sign in Bring on the BNPL regulation, but let’s get it right!
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dLocal Launches The 2025 Emerging Markets Payments Handbook: The Blueprint to Lead Across the Global South
Fintech Finance
JULY 9, 2025
The rise of Alternative Payment Methods (APMs): Explore how APMs like eWallets, real-time payments (RTPs), BNPL, cash, and bank transfers are becoming the primary way to pay, not just alternatives. This Handbook is designed to help businesses navigate this intricate landscape and truly unlock the future of payments.”
Sezzle files antitrust suit against Shopify
Finextra
JUNE 15, 2025
Sezzle files antitrust suit against Shopify BNPL provider Sezzle has sued Shopify, alleging that the e-commerce marketplace has been stifling competition on its platform. Shopify has been engaging in "monopolistic and anticompetitive business practices in order to stifle competition" for BNPL options, says the suit.
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Retailers Accepting Crypto Payments – With Instant Settlement in Cash
Finextra
JUNE 10, 2025
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The Journey of Payments and Clearing Systems in India
Finextra
JUNE 11, 2025
Innovation in Lending and Beyond: Policy: RBI is open to innovation in digital lending, including regulating BNPL services. Impact: Further bridge the urban-rural divide, ensure equitable access to financial services, and foster inclusive economic growth. We use cookies to help us to deliver our services. Please read our Privacy Policy.
Tokenisation 2.0: Are we ready for the next generation of payment security?
The Payments Association
JUNE 3, 2025
Whether enabling Buy Now, Pay Later (BNPL) services, digital wallets, or invisible checkouts, tokenisation ensures that sensitive credentials are protected without compromising speed or user experience. Local compliance standards, such as data residency rules or customer consent regulations further shape these efforts.
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AI x Payments: From Fraud Detection to Hyperpersonalised Checkout
Finextra
JUNE 25, 2025
Real-Time Fraud Detection: Defence at Machine Speed Traditional fraud systems rely on static rules and after-the-fact analysis. Surfacing contextual incentives like rewards or BNPL options. Adapting instantly to changes in global sanctions or reporting rules. Here’s how AI is redefining payments at every layer of the stack.
The future of card-based payments in a real-time world: What banks can do to stay ahead
Finextra
JULY 8, 2025
RTP is quickly gaining ground in areas like person-to-person payments and lending models such as Buy Now Pay Later (BNPL), where the reliance on cards is being stripped away. What we’re witnessing isn’t the demise of card-based payments, but a shift in their role. We use cookies to help us to deliver our services.
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The Ultimate Guide to Ecommerce Payment Solutions
Stax
APRIL 3, 2025
They can range from traditional payments, such as credit/debit cards and ACH payments , to modern alternative methods, such as digital wallets, mobile transactions, Buy Now Pay Later (BNPL), and cryptocurrency. The rule of thumb is to evaluate whether a payment processor has restrictions in your industry before signing up.
How to Increase Transaction Success Rates for Online Merchants
Finextra
JULY 10, 2025
According to the Digital Economy Payments report by PYMNTS , 15% of consumers use at least three or more payment methods, with at least two being non-traditional methods, such as digital wallets, cryptocurrency, or buy-now-pay-later (BNPL). Mobile Optimisation Many shoppers use their phones, so your checkout must work smoothly on all devices.
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New rules to end Buy-Now, Pay-Later wild-west, protect millions of shoppers and drive growth
Neopay
MAY 28, 2025
Over 10 million people who use Buy-Now, Pay-Later (BNPL) products will gain stronger rights and clearer protections under new rules – stopping unaffordable borrowing and helping families keep more of their money. Source : gov.uk
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Fast and Flexible, Not Furious: How Top Card Issuers Win the Race
Fintech News
FEBRUARY 2, 2025
Time-to-market accelerated with flexible product configuration To be the fast innovators, OpenWay clients rely on our highly configurable, rule-driven Way4 platform. Even when an issuer is onboarding a new BNPL customer at checkout, issuing a BNPL card and calculating a repayment plan Way4 has it completed in a matter of seconds.
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Beyond the Firewall: Rethinking Payment Data Security
Finextra
JUNE 13, 2025
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The Ultimate Guide to Online Payment Processing
Stax
MARCH 11, 2025
There are six main payment methods used in online payments, including credit & debit cards, digital wallets, ACH & bank transfers, direct debit, Buy Now, Pay Later (BNPL) services, and cryptocurrencies. Popular BNPL service providers include Klarna, Afterpay, and ClearPay. The login attempt may even be blocked entirely.
Deep Dive: Stripe vs. Adyen – Comparing Product Stacks and Pricing
Finextra
JULY 5, 2025
bank transfers, and region-specific options (from **SEPA Direct Debit in Europe to ACH in the US, Alipay and WeChat Pay in Asia, Klarna/Affirm for BNPL, and many more). Let’s compare their core payments capabilities: Stripe and Adyen each support an extensive array of payment methods: global credit/debit cards (Visa, Mastercard, Amex, etc.),
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The Digital Wallet Revolution: How It's Reshaping Consumer Behaviour and Payment Infrastructure
Finextra
JUNE 11, 2025
Embedded Finance Ecosystems: Wallets are increasingly offering lending, insurance, and BNPL features—becoming full-stack financial platforms. Leapfrogging Legacy Rails: In markets like Kenya, India, and Brazil, wallets like M-Pesa, PhonePe, and PicPay are outperforming banks in user penetration and transaction volume.
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Looking for the Best Payment Gateway? Here’s How to Choose the Right One
Stax
JANUARY 21, 2025
Also, check for Buy-Now Pay-Later (BNPL) support for customers who may like to have flexible payment options. Check whether the payment gateway supports digital wallets like Apple Pay, Google Pay, and Cash App. Automated clearing house (ACH) and cryptocurrency support would be nice additions if relevant to your customer base.
What Does the End of the CFPB Mean for Credit Risk Innovation?
The Fintech Times
JULY 1, 2025
For instance, the BNPL provider Affirm recently announced it will begin reporting its short-term, interest-free instalment loans to Experian. New emerging approaches to credit scoring may offer greater transparency and accountability than certain AI-driven models, particularly where explainability is critical.
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Tensec raises $12M to boost growth
Payments Dive
JUNE 20, 2025
By Patrick Cooley • July 25, 2024 Justin Sullivan via Getty Images Visa CEO ‘strongly’ disagrees with class settlement ruling The card network giant expects the parties to negotiate a new settlement following a judge’s rejection of an agreement reached earlier this year, but its CEO notes that could happen after a trial begins.
Open banking survey 2025: Insights from 500 UK SMEs
The Payments Association
JUNE 16, 2025
Over half of retailers offer buy now pay later (BNPL) options, but half of those also report that BNPL causes operational difficulties. This position reflects both its emerging status and the persistence of operational and consumer adoption barriers discussed earlier. Read More »
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Marqeta Review: Future of Modern Card Issuing
Fintech Review
MAY 10, 2025
The goal was to allow businesses to program spending rules, manage transactions in real time , and scale globally without friction. They can configure custom spending limits, merchant category restrictions, expiration dates, geographic controls, and dynamic funding rules.
AI Becomes the Banker: 21 Case Studies Transforming Digital Banking CX
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. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre. Please read our Privacy Policy.
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From Open Banking to Open Finance to DeFi: The Open Evolution of Finance
Finextra
JUNE 2, 2025
The idea is that secure open access can actually enhance trust by giving customers visibility and choice – and regulators enforced rules to protect against misuse. The rules of the game are transparent, based on code. They are beginning to draft rules specific to crypto and DeFi. It was largely born from regulation (e.g.,
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How UPI and Digital Payments Are Powering Eco-Tourism and Offbeat Travel in India
Finextra
JUNE 30, 2025
Embedded finance for travel : Insurance, BNPL, or even trip financing via digital platforms could further boost domestic travel. What This Means for the Fintech Ecosystem For fintech innovators and ecosystem players, the intersection of travel and digital finance offers new ground for experimentation. Please read our Privacy Policy.
Payments regulation roadmap: Q3 2025
The Payments Association
JULY 18, 2025
Willem Wellinghoff Chief compliance officer and UK chair, Ecommpay “The incoming FCA CASS/Safeguarding rules will require significant preparation from payment firms, with stricter audit obligations and a tighter compliance framework. However, other proposals, such as the end-state safeguarding rules, could throttle some business models.
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Trojan Stablecoin: What Circle’s NYSE Listing Really Signals
Finextra
JUNE 8, 2025
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3 Fintech Trends You’ll Hear a Lot About in 2025
Finovate
DECEMBER 11, 2024
readers, open banking made its debut in the form of a CFPB ruling in October of this year. Why it’s big : The new open banking rule shifts data ownership from the financial institution to the individual consumer. Open banking/ Section 1033 For U.S. There may be benefits to early compliance.
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Open Banking Can Help Retail Credit Lenders Evaluate Customers ‘More Fairly’, Says Moneyhub
The Fintech Times
NOVEMBER 22, 2024
Retail credit includes credit offered by retailers or banks that enables consumers to purchase items and pay for them later through a store credit card, BNPL plans, or instalment payment options. Open banking rules enable consumers to easily grant access to licenced providers to view their financial data.
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Processors lean on AI to fight fraud
Payments Dive
JULY 2, 2025
I dont think the rules necessarily have to change because I have a new tool to allow me to or help me to make a decision,” Tate said Monday. “AI The trade group represents payments companies that include the card network Visa, neobank Chime and processor Fidelity National Information Services, among others, according to the IPA website. “I
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As AI Grows, So Do Its Challenges: Industry Reveals Technology’s Biggest Hurdles
The Fintech Times
FEBRUARY 28, 2025
AI regulations are nascent, with a growing, fragmented patchwork of federal, state, and industry-specific rules. AI-induced errors, such as biased loan approvals or inaccurate financial information, can lead to lawsuits for discrimination or consumer deception. “Keeping pace with evolving laws is another challenge.
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From open banking to open finance and beyond: The future of financial data-sharing
The Payments Association
MARCH 18, 2025
For payments firms, the intersection of payments and credit is becoming a competitive battleground, especially as BNPL and embedded lending scale. In Brazil, open finance frameworks are unlocking credit access for gig economy workers and SMEs, groups often overlooked by conventional scoring models. reached $1.1
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Selfbook chooses PayPal as agentic commerce partner
Finextra
JUNE 11, 2025
Additionally, PayPal Buy Now, Pay Later (BNPL) will be offered for many hotel brands that integrate with Selfbook. Selfbook will integrate PayPal, Venmo, and PayPal’s BNPL solutions as payment options within hotel booking experiences, providing consumers with greater choice and enhanced flexibility at checkout.
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The hidden costs in your payment stack
Payments Dive
JULY 14, 2025
Editors picks Justin Sullivan via Getty Images Visa CEO ‘strongly’ disagrees with class settlement ruling The card network giant expects the parties to negotiate a new settlement following a judge’s rejection of an agreement reached earlier this year, but its CEO notes that could happen after a trial begins.
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Deep Dive: Monzo's Business, Explained
Finextra
JULY 13, 2025
As Monzo put it, Flex lets you “pay later for pretty much anything” – unlike other BNPL services limited to certain merchants. In September 2021, Monzo unveiled Monzo Flex , a “buy now, pay later” style credit option allowing users to spread purchases over installments. We use cookies to help us to deliver our services.
Mastercard, Visa play down stablecoin threat
Payments Dive
JULY 17, 2025
Sign up A valid email address is required. Please select at least one newsletter. View all Company Announcements View all | Post a press release What Were Reading Financial Times Elliott Management builds stake in Global Payments in wake of Worldpay deal American Banker Starling considers U.S.
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Klarna arrives on Google Pay in the US
Finextra
JUNE 24, 2025
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Innovation Doesn’t Necessarily Mean Progress
Finextra
JULY 2, 2025
Buy Now, Pay Later (BNPL) stands out as a particularly visible example—disruptive, widely adopted, and clearly innovative. Critics argue that BNPL promotes overextension, encourages poor financial habits, and lacks the consumer protections built into traditional credit. We use cookies to help us to deliver our services.
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JPMorgan, Amex flash new cards
Payments Dive
JUNE 20, 2025
American Express has openly courted members of Gen Z, who are increasingly using BNPL, he noted, and the perks on premium cards must appeal to members of that demographic who are looking for alternatives to credit cards. They’re also thinking about buy now, pay later,” he said in an interview. Sign up A valid email address is required.
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