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Understanding PCI DSS, PSD2, and AML in Payment Processing: A Practical Guide

Finextra

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. In this guide, you’ll understand what digital payment security is and what these regulations mean, how they impact your payment operations, and what you need to do to meet them.

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A Merchant’s Guide to Payment Compliance in 2025

Clearly Payments

Card networks like Visa and Mastercard are enforcing stricter standards, regulators are expanding privacy laws, and payment providers are under pressure to monitor merchant activity more closely. These rules come from multiple sources, including card networks, regulators, and your payment processor.

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Beyond the Firewall: Rethinking Payment Data Security

Finextra

Standards like PCI DSS don’t currently mandate tokenisation for bank details, but forward-thinking organisations aren’t waiting for legislation to catch up. Rising fraud, evolving cyber threats, and increasing expectations from partners and regulators are all pushing tokenisation from a niche solution to a best-practice standard.

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What to Know About Tokenization

Basis Theory

Historically, data security has been treated as featureless and burdensome—but a necessary expense incurred by organizations. Today, we can tokenize anything from credit card primary account numbers (PAN) to one-time debit card transactions or social security numbers.

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Merchant Underwriting: What It Is, How It Works, and Why It’s Important

Stax

The merchant underwriting process helps reduce fraud (including chargeback volume), ensures compliance with regulations, and protects financial stability in the payment processing space. This process involves reviewing the businesss structure, financial health, industry type, and compliance with regulations.

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What is a BIN in Payment Processing

Clearly Payments

Merchants in high-risk categories, such as online gaming, travel, and adult services, benefit from BIN data as it helps processors manage risk levels and ensure compliance with industry regulations. Establish a Relationship with an Acquiring Bank The first and most essential step in acquiring a BIN is to partner with an acquiring bank.

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The Ultimate Guide to Ecommerce Payment Solutions

Stax

Theyre easy to integrate and set up, with the host taking care of data security measures, including PCI compliance and fraud protection. Businesses using self-hosted gateways must handle data security measures and comply with industry standards like PCI DSS.