The Payments Association

JANUARY 21, 2025

Table of Contents Voices from the industry: Insights into the 2024 payments landscape In 2024, we witnessed a convergence between consumer and B2B payments, driven by the rise of BNPL adoption, AI-powered fraud detection, and the continued digitalisation of payment platforms. and Brazil.

Payments Trends 88

Payments Trends Financial Crimes Cross-Border Payments 88

Stax

MARCH 18, 2025

Funds are settled and deposited into the merchant account – Once the transaction has been approved, the funds are deducted from the customers account and deposited into the merchant account or payment service provider account after settlement. Ideally, you want instant or same-day fund settlement.

Process 88

Process Payment APIs and Integration Processors Online and Mobile Banking 88

Payments Dive

JUNE 11, 2025

Digital payments players PayPal and Klarna, for example, both have relied on physical cards to drive an increase consumer payments volume. Recommended Reading Debit card decline issue persists for Affirm By Patrick Cooley • Jan. Please select at least one newsletter. By Lynne Marek • Aug.

Debit Card 78

Debit Card Privacy Stablecoins BNPL 78

Stax

MAY 13, 2025

Payment processing solutions that support mobile wallets, Apple Pay, Google Pay, and Buy Now, Pay Later (BNPL) options help you meet those expectations. Some solutions also offer flexible settlement schedules and real-time funding, helping you stay ahead of cash flow crunches. Todays consumers expect flexibility at checkout.

Credit Cards 88

Credit Cards Payment APIs and Integration Processors Process 88

Finovate

DECEMBER 11, 2024

BNPL With Klarna’s IPO taking place in 2025, we can expect to see interest in the BNPL space surge to new heights. However, BNPL continues to evolve with new players entering the space and existing ones expanding into adjacent markets like subscriptions and services.

FinTech 59

FinTech Stablecoins BNPL Cross-Border 59

Clearly Payments

MARCH 14, 2025

It occurs in a matter of seconds but consists of multiple stages, from authorization to settlement. Stage 5: Reconciliation and Reporting Merchants and banks reconcile their transactions and generate reports: Settlement Reports : Acquirers and merchants review settled transactions. Credit Card Use Overview in USA and Canada In the U.S.,

Credit Cards 52

Credit Cards Transactions PCI DSS Online and Mobile Banking 52

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.

Online Payment Processing 88

Online Payment Processing Process Payment Gateways Online and Mobile Banking 88

Fintech Finance

JANUARY 9, 2025

These include social commerce, QR codes, digital invoicing, Telr Buy Now Pay Later (BNPL),Telr Finance for financing needs. The company provides a range of financial and business solutions designed to support e-commerce ventures.

Multi-Currency 98

Multi-Currency Payment Gateways BNPL Finance 98

Clearly Payments

FEBRUARY 14, 2024

billion by 2027 , reflecting the indispensable role of these technical maestros in managing transaction authorization and settlement. Payment Processors: These companies handle transaction authorization and settlement, ensuring smooth data exchange. Furthermore, global payment volume reached a staggering $31.7

Payments 104

Payments Value Added Service BNPL Payment Gateways 104

Stax

JANUARY 21, 2025

Also, check for Buy-Now Pay-Later (BNPL) support for customers who may like to have flexible payment options. This is known as the settlement time. High-risk businesses often have longer processing and settlement periods than low-risk merchants, so have that in mind too.

Payment Gateways 88

Payment Gateways Gateways PCI DSS Payment APIs and Integration 88

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. Asset tokenisation consolidates multiple functions into a single distributed ledger, including issuance, trading, settlement, and custody.

Security 88

Security Payment APIs and Integration Payment Security Credential 88

The Payments Association

MAY 16, 2025

BNPL regulation (UK legislation expected late 2025, implementation in 2026) The UK government is progressing legislation to bring Buy Now Pay Later (BNPL) under the scope of regulated consumer credit. These include ensuring that BNPL options are clearly described, not misleading, and supported by regulated providers.

Regulations 88

Regulations ISO 20022 Cross-Border Legal 88

PYMNTS

SEPTEMBER 24, 2020

BNPL Firm Sezzle Allies With Ally Lending To Expand Loan Options. FIS has teamed with The Clearing House (TCH) to offer immediate settlements to small and mid-sized banks and credit unions (CUs) and their clients. The Goldman Sachs Transaction Banking Platform was designed to offer safe and simple access for business customers.

TCH 90

TCH RTP Real Time Payments Credit Union 90

Fintech News

SEPTEMBER 10, 2024

Their growing popularity has spurred continuous financial innovation, such as the rise of buy now, pay later (BNPL). In 2023, BNPL arrangements represented 4% of e-commerce transaction value, a significant increase from the mere 1% in 2020.

Cross-Border Payments 108

Cross-Border Payments Cross-Border APACS Interoperability 108

Fintech News

NOVEMBER 5, 2024

In parallel, Singapore remains an active participants in Project Nexus , an initiative spearheaded by the Bank for International Settlements (BIS) to enhance global payments network connectivity. The drop can also be explained by the exit of several fintech companies, particularly in the buy now, pay later (BNPL) and Web 3.0

Continuity 108

Continuity FinTech Cross-Border Payments Cross-Border 108

Fintech Review

MAY 10, 2025

This flexibility enables gig economy payouts, BNPL shopping experiences, loyalty rewards cards, and embedded banking products for digital brands. Innovation around cross-border issuing, instant settlement, loyalty APIs, embedded lending, and multi-currency wallets could drive the next growth phase.

Payment APIs and Integration 52

Payment APIs and Integration Embedded Finance API Regulatory Compliance 52

PYMNTS

NOVEMBER 6, 2020

Consumers also expect flexibility in payments choice, with buy now, pay later ( BNPL ) and QR code payment options offered at the point of sale, whether online or at a brick-and-mortar store. They also expect to get goods delivered to their homes in a matter of days – or even hours.

Real Time Payments 109

Real Time Payments P2P Payments Contactless Payments 109

Clearly Payments

MAY 1, 2025

Merchants doing international business may need to optimize settlement timing, currency options, or processor location to reduce unpredictability. The need to support multiple payment methods to stay competitive, including BNPL and digital wallets. Greater exposure to cross-border settlement issues if goods are sourced globally.

Credit Cards 66

Credit Cards Process Cross-Border Disputes 66

Fintech News

JANUARY 21, 2024

The MoR model not only addresses these challenges but also opens up new opportunities for suppliers, allowing agencies to offer consumers new payment options such as installment methods and buy now, pay later (BNPL) arrangements.

FinTech 108

FinTech Payments Visa B2B 108

PYMNTS

JULY 14, 2020

Fast and Furious BNPL Action. Utah-based FuturePay has consistently appeared in PYMNTS’ top 5 alternative credit apps, with its offer of flexible monthly payments for consumers and up-front settlement for merchants. In mid-July the company made news again, announcing it will offer its BNPL services at U.S.

Point-of-Sale (POS) 52

Point-of-Sale (POS) BNPL FDIC Credit Cards 52

Clearly Payments

AUGUST 14, 2024

This fee covers the cost of authorization, fraud prevention , and settlement services. Apple Pay, Google Pay), Buy Now, Pay Later (BNPL) services, and bank transfers has provided merchants with lower-cost alternatives. Larger merchants, with higher transaction volumes, have more negotiating power and can often secure lower rates.

Process 104

Process Credit Cards Alternative Payment Methods Debit Card 104

M2P Fintech

DECEMBER 17, 2024

It encompasses various functionalities, including payment setup, transaction management, settlement & payout management, and customer support integration, all aimed at improving operational efficiency. Settlement & Payout Management Settlement and payout management are integral components of an MMS.

Fraud Detection 52

Fraud Detection PCI DSS Disputes Settlement 52

PYMNTS

DECEMBER 1, 2020

But we're also seeing a use case that I think is more in line with some of the other [buy now pay later] BNPL companies in the $50 to $200 range for fashion and beauty items.”. We have the big electronics retailers as our partners so that use case of people buying $400 and $500 items and splitting them over three months makes a ton of sense.

Consumer 67

Consumer Credit Cards Use Case BNPL 67

PYMNTS

OCTOBER 9, 2020

The Federal Reserve is collaborating with seven central banks and the Bank for International Settlements (BIS) to hammer out a framework for digital currency. Buy now, pay later (BNPL) company Affirm has announced a filing for an initial public offering (IPO). Plus, Affirm files for an IPO. Affirm Submits Draft To SEC For IPO.

Digital Currency 56

Digital Currency Central Bank Federal Reserve P2P 56

M2P Fintech

JANUARY 28, 2025

Comprehensive Loan Flexibility : Handles partial/full waivers, automated write-offs, early settlements, and moratoriums, ensuring compliance and addressing borrower needs. Customizable Repayment Schedule : Supports flexible repayment options, including BNPL and part repayments, with automatic re-amortization based on remaining balances.

Payment APIs and Integration 52

Payment APIs and Integration BNPL Regulatory Compliance Compliance 52

Fintech News

MARCH 18, 2024

Opn’s card issuing platform enables customers to easily launch, manage, scale their own branded card programs, and generate new revenue streams, while its integration of Atome allows its customers to offer BNPL payment options. The company says it generated THB 3 billion (US$87.4 With the acquisition, Rabbit Care welcomed 30,000 clients.

FinTech 112

FinTech Online and Mobile Banking Blockchain Product 112

FICO

JANUARY 19, 2022

From TBML to BNPL to NFTs, 2021 found fraud and financial crime professionals dealing with a plethora of new challenges and criminal schemes. Third-party intermediaries facilitating invoice settlement. Illicit cash integration in financial settlement. BNPL Fraud — When "Buy Now, Pay Later" Backfires. Here are excerpts.

Financial Crimes 52

Financial Crimes Crime Money Laundering NFTs 52

The Fintech Times

SEPTEMBER 30, 2024

Fast forward to 2020, this would see seven international central banks, including the BOJ and the Bank for International Settlements (BIS), publish a report assessing the feasibility of central bank digital currencies (CBDC) in assisting central banks in accomplishing their public policy objectives.

FinTech 59

FinTech Digital Currency Central Bank Economy 59

Fintech News

JANUARY 30, 2024

Other payment trends in Asia preceding 2024 including the rise of B2B buy now pay later (BNPL), growing prominence of central bank digital currency (CBDC), and prevalence of composable, cloud-based ‘as-a-Service’ IT architecture models have helped shape much of what we anticipate for 2024.

Payments Trends 119

Payments Trends Digital Currency Cross-Border Payments Distributed Ledger Technology (DLT) 119

Fintech News

JANUARY 21, 2025

Prominent players like Grab, Shopee, and Atome exemplify this trend with integrated “Buy Now, Pay Later” (BNPL) services, empowering underbanked populations and improving financial accessibility. With reduced transaction costs and faster settlement times, these currencies have the potential to revolutionise international commerce.

Stablecoins 108

Stablecoins FinTech Embedded Finance Financial Inclusion 108

The Payments Association

OCTOBER 4, 2024

Apple Pay, Google Pay), and buy now, pay later (BNPL) solutions are gaining traction, threatening to displace traditional card payments. However, international transactions come with their own set of challenges, including fluctuating exchange rates, varying regulations, and complex settlement processes.

Online and Mobile Banking 88

Online and Mobile Banking Cross-Border Payments Cross-Border Alternative Payment Methods 88

Finextra

JUNE 2, 2025

using blockchain for settlement), while DeFi platforms are discovering that some integration with TradFi (like fiat ramps or regulatory compliance features) can open the floodgates for more users. A balanced outlook acknowledges that traditional finance and decentralized finance will likely coexist and even complement each other.

Finance 52

Finance Payment APIs and Integration API Regulations 52

FICO

NOVEMBER 3, 2022

Prevalence of products that influence payment cadence, such as ease of access to cash flow offerings like BNPL. The BNPL sector is already showing how it can impact customer payment hierarchy. In the UK, research by the Citizen’s Advice Bureau reports that one in three BNPL customers missed or made a late payment within the past year.

Volume 52

Volume BNPL Agreements Risk 52

Segpay

FEBRUARY 24, 2025

How It Works: After authorization by the payment gateway, the payment processor requests fund settlement. Supports multiple payment methods (cards, bank transfers, e-wallets, BNPL, etc.). Provides merchant accounts for payment settlements. The PSP handles transaction authorization, processing, and fund settlement.

Payment Gateways 45

Payment Gateways Processors Gateways Payment Service Provider (PSP) 45

The Fintech Times

FEBRUARY 19, 2024

Having discussed the myths , hype and usage of buy now pay later (BNPL), we now turn our focus to cross-border payments. This is especially true if fees are ultra-high and settlement periods are lengthy. To begin this focus, we first look at what businesses should prioritise when looking to offer cross-border solutions.

Cross-Border Payments 69

Cross-Border Payments Cross-Border Stablecoins Multi-Currency 69

M2P Fintech

FEBRUARY 25, 2025

Our platform also supports one-time settlements and includes a dedicated mobile application for field collectors. Buy Now Pay Later (BNPL) Loans Buy Now, Pay Later (BNPL) loans offer consumers the flexibility to make purchases immediately and pay in installments, often with zero or low interest. Schedule a demo with us today.

Payment APIs and Integration 52

Payment APIs and Integration Compliance Automation BNPL 52

FICO

JULY 6, 2020

Over the same period, we have seen a significant growth in BNPL borrowing. Information that tells us about their financial morality – transactor not revolver, direct debit payer, early settlements of UPLs, takes advantage of interest-free offers, low LTV, lower than average balloon payment in terms, number of credit lines.

Assessments 52

Assessments Online and Mobile Banking Risk Settlement 52