Payments Dive

NOVEMBER 22, 2022

Consumer demand for credit cards rose this year over prior years, and card issuers increasingly approved their applications despite the worsening economic climate.

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Credit Cards Card Issuer Issuers Consumer 151

Payments Source

JANUARY 8, 2021

Credit card issuers also suffered, as demand lagged heavily for new cards and their overall spending dropped considerably during the year.

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Credit Cards Card Issuer Issuers PayPal 159

Clearly Payments

MARCH 14, 2025

A credit card transaction is a process involving multiple entities, complex technology, and rigorous security protocols. This article covers the anatomy of a credit card transaction and provides insight into the technological infrastructure that supports modern commerce. credit card payments surpassed $10.6

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Credit Cards Transactions PCI DSS Online and Mobile Banking 52

Fintech Finance

MAY 2, 2025

Rain , a global card issuing platform built for stablecoins, is helping usher in a new era of onchain finance through its work with Visa. Rain has fully tokenized its credit card receivables and has transitioned all settlement transactions for its Visa cards to USDC, to now be able to settle with Visa 7 days a week, 365 days a year.

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Credit Cards Stablecoins Settlement Interoperability 59

Fintech News

MARCH 11, 2025

This collaboration utilises Pine Labs multi-issuer payment platform and aims to streamline the instalment payment process for businesses. Previously, merchants typically needed separate agreements with multiple issuers and deployed numerous payment terminals to handle instalment transactions.

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Cross-Border Issuers Credit Cards On-Demand 107

Clearly Payments

NOVEMBER 6, 2024

.) : Card networks , such as Visa, Mastercard, American Express, and Discover, play a critical role by routing transaction data between acquirers and issuers (cardholders’ banks). Issuing Bank (Cardholder’s Bank) : The issuer is the financial institution that provides the consumer with a payment card (credit, debit, or prepaid).

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Process ISOs Credit Cards Online and Mobile Banking 105

Fintech Finance

MARCH 12, 2025

According to internal data from EBANX , a global Payment Service Provider (PSP) that has already processed transactions for nearly 70% of Brazil’s credit cardholders, fintech companies and digital players now account for 41% of the total value transacted through credit cards for online purchases in Brazil.

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Issuers Transactions Payment Service Provider (PSP) Debit Card 59

Stax

DECEMBER 20, 2023

Interchange is the fee that credit card companies like Visa and Mastercard charge businesses to accept their cards. In this article, we will break down credit card interchange fees so you will know exactly how much you’re spending when running your business. Request Quote What Are Interchange Fees?

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Credit Cards Debit Card Processors Non-Bank 167

Payment Savvy

JANUARY 11, 2023

If you are one of the ten million-plus American businesses with a merchant processing credit card account, the chances are you are aware of an industry term known as interchange. Each new credit card transaction is assigned to what is known as a target interchange category. Interchange Downgrade.

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Credit Cards Card Issuer Issuers Processors 98

Fintech News

DECEMBER 22, 2024

With over two decades of experience in product management and strategic marketing, she previously led Citis APAC Commercial Cards Travel Products division and held senior roles at American Express. His expertise will drive the expansion of Thredds credit offerings and operational efficiency. said Jim McCarthy, CEO at Thredd.

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APACS Issuers Commercial Card AML 104

Synapse Payment Systems

AUGUST 25, 2022

Almost every business accepts credit card payments these days. The good news is that it is possible to learn how to lower credit card processing fees. Here’s what you should know about negotiating lower credit card processing fees. Most credit card processing fees are between 2.5

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Credit Cards Transactions Processors Assessments 130

Cardfellow

MARCH 9, 2025

If youre wondering if you have to do anything different to accept a virtual credit card, the short answer is no. However, its good to be aware of the factors involved in virtual cards and thats what Ill go over in this article. What are virtual credit cards? Which companies issue virtual credit cards?

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Credit Cards Processors Card Issuer Origination 40

Payments Source

MAY 13, 2020

With the pandemic's economic toll leading to elevated billing error notices, the consumer bureau said card companies will not be cited if they fail to meet the typical time frame for resolving disputes.

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Disputes Card Issuer Credit Cards Issuers 118

Stax

MARCH 13, 2025

In 2023, 27% of all point-of-sale (POS) payments were made using credit cards while 23% were made with debit cards. A survey by Forbes Advisor also revealed that 33% of consumers prefer to use credit cards as they’re safer than carrying cash. Credit card companies also use them to fund rewards programs.

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Debit Card Credit Cards Processors Processing Costs 88

Fintech Finance

DECEMBER 20, 2024

Faran Taher joins Thredd as Vice President of Credit, bringing over two decades of experience in operational efficiency and organisational strategy. Faran has led teams across verticals including installment lending, credit cards, auto, and mortgages.

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APACS Issuers Credit Cards AI 97

Fi911

SEPTEMBER 12, 2024

An issuer decline code is provided by an issuing bank to a merchant, indicating the rejection of a credit card transaction. This means that the issuer has halted or blocked the transaction. The specific code gives a brief reason for why the issuer turned down the purchase.

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Issuers Push-to-Card Addressing Authorization 98

NFCW

JANUARY 31, 2025

BIOMETRICS: Life Card is to start issuing payment cards with fingerprint verification Japanese credit card issuer Life Card is to begin issuing cards containing a built-in fingerprint verification sensor this year, in a move that marks the first commercial launch of biometric payment cards in Japan.

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Payments Source

MARCH 8, 2020

Credit card issuers caught in the trap of chasing new customers with increasingly costly rewards-point programs are trying something new: letting more users redeem rewards directly with merchants instead of acting as the intermediary.

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Credit Cards Card Issuer Issuers Risk 116

Payments Dive

MARCH 29, 2022

Total credit card late fee volume is rising again after a dip during the pandemic, and current inflation levels mean the largest issuers are likely to keep increasing fees, the Consumer Financial Protection Bureau said.

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Credit Cards CFPB Issuers Volume 109

Payments Dive

JUNE 9, 2025

The retail juggernaut’s OnePay affiliate is working with the card issuer and the network to launch general purpose and private label credit cards later this year.

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Card Issuer Visa Issuers Credit Cards 78

Fintech News

JANUARY 7, 2025

Singapore’s government has clarified that the Shared Responsibility Framework will not apply to credit card fraud cases, citing existing robust protections for consumers. This clarification came in response to a parliamentary question on the prevalence of credit card fraud in the country. million each year.

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Credit Cards Push-to-Card Card Issuer Authentication 107

Fintech Finance

AUGUST 6, 2024

Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embedded finance solutions for the world’s innovators, today announced it has signed a five-year deal with Varo Bank , N.A., to become its issuer processor. the first nationally-chartered consumer techbank in the U.S.,

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Payments Dive

MARCH 5, 2024

The Consumer Financial Protection Bureau finalized a rule that sets a “threshold” of $8 for late fees that can be imposed by large credit card issuers, and eliminates automatic inflation increases.

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Credit Cards Card Issuer CFPB Issuers 97

Clearly Payments

OCTOBER 22, 2024

This guide explains how a PIN functions in credit and debit card payments and its importance for merchants. A PIN is a four- to six-digit numerical code assigned to a credit or debit card by the card issuer or chosen by the cardholder. What is a PIN? How Does a PIN Work?

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Debit Card Credit Cards Point-of-Sale (POS) Encryption 105

Clearly Payments

JANUARY 12, 2024

Credit card fraud is an unfortunate reality that businesses must face in today’s digital age. Year after year, credit card fraud attempts are on the rise, with a staggering 46% year-over-year increase reported globally. Here are specific steps to take if a credit card fraud incident occurs.

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Credit Cards Law Enforcement Card Issuer PCI DSS 105

Clearly Payments

DECEMBER 2, 2024

With over 79% of consumers using credit or debit cards for transactions, businesses that do not accept cards risk losing significant sales. This article will explore the various ways businesses can accept credit cards, including their advantages, costs, and considerations. Transaction fees range from 1.5%

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Credit Cards Payment Gateways Gateways Point-of-Sale (POS) 105

The Paypers

JUNE 10, 2025

The cards, one general-purpose and one private label, will be issued by Synchrony and embedded within the OnePay app. The general-purpose card will be accepted anywhere Mastercard is used, while the private label card will be limited to Walmart purchases.

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Credit Cards Visa Cybersecurity Issuers 36

Fintech Finance

JULY 26, 2024

Affirm’s decision to have its industry-leading technology and underwriting capabilities, beginning with Affirm Card, run on Visa’s Flexible Credential demonstrates the opportunities that can arise when issuer processors innovate like Marqeta. Marqeta is the first issuer processor in the U.S. Additionally, 71% of U.S.

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Credential Processors Issuers BNPL 98

Payments Dive

MARCH 24, 2023

The agency wants to give consumers more information from credit card issuers so that it’s easier to compare the cards’ offers, especially their interest rates.

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Credit Cards CFPB Card Issuer Issuers 88

Paystand

OCTOBER 18, 2024

Table of Contents What is a credit card issuer? Who can be a credit card issuer? How do credit card issuers operate within the payment cycle? What do credit card issuers do? Eliminate credit card fees with Paystand

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Payments Source

OCTOBER 1, 2019

Mastercard has developed a service called Threat Scan to help card issuers get ahead of fraudsters by running scans on their card authorization systems based on the latest evolving global card scams.

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Fintech News

JUNE 12, 2024

In the rapidly evolving digital landscape, traditional credit cards face the challenge of staying relevant amidst the rise of digital wallets and changing consumer expectations. The emergence of Cards-as-a-Service (CaaS) offers a transformative solution that can help credit cards adapt and thrive in this new era.

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Credit Cards Payment APIs and Integration Card Issuer Non-Bank 109

Payments Dive

MAY 24, 2024

The retail behemoth and its credit card issuer said in a terse, joint press release Friday that they’re parting ways.

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Card Issuer Issuers Credit Cards 167

Stax

JUNE 8, 2025

In this article, we’ll take a look at everything you need to know about these entities, including the differences between the two, how they can work together, and how to make sure you have the right credit card processing solution for your small business. What Is a Payment Gateway?

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Payment Gateways Processors Gateways Online and Mobile Banking 88

Basis Theory

NOVEMBER 13, 2023

How Credit and Debit Cards Compare The fundamental difference between a credit and debit card is whose money is being used in the transaction: with a credit card, the consumer is borrowing from the card issuer , while with a debit card they are using their own money, stored with the issuing bank.

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Payments Source

SEPTEMBER 1, 2020

Capital One Financial is reining in credit lines to reduce its exposure while the nation’s largest card issuer, JPMorgan Chase, is rolling out a new card designed for travelers and diners.

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Credit Cards Card Issuer Issuers Consumer 118

Stax

MAY 7, 2024

With credit card transaction volume hitting over $9.5 trillion in the US in 2022, accepting card payments is no longer a question of whether to, but how to. To complete payment processing, credit card companies have to charge processing fees. Cashless transactions have dethroned the age-old cash payments.

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Credit Cards Process Processors Online and Mobile Banking 88