Tearsheet

FEBRUARY 27, 2025

Crypto transactions might not have the same level of dispute resolution. However, Zabaneh notes that dispute resolution falls under the merchants payment processor. “We provide a very seamless dispute system and work with merchants to ensure proper resolution occurs in a timely manner,” she says.

PayPal 72

PayPal Payments Digital Currency Privacy 72

Fintech Finance

JULY 16, 2025

An industry first, the Chargeback AI Assistant offers faster and more effective solution to the increasingly complex dispute settlement and revenue loss recovery issues for SMEs and e-commerce platforms. Pilot testing showed a 3 percentage points increase in win rates, while time spent on dispute resolution was reduced by 46%.

AI 59

AI Disputes Payments Automation 59

Clearly Payments

MARCH 14, 2025

It occurs in a matter of seconds but consists of multiple stages, from authorization to settlement. Stage 4: Chargebacks and Dispute Resolution If a cardholder disputes a transaction, a chargeback process may be initiated: The cardholder contacts their issuing bank to dispute the charge. Final Confirmation 0.5

Credit Cards 52

Credit Cards Transactions PCI DSS Online and Mobile Banking 52

Stax

MARCH 4, 2025

Settlement period – The length of the settlement period can significantly impact your customers cash flow. Some providers offer a three-day settlement period and others have instant settlement. A shorter settlement period helps your users access business funds faster.

Credit Cards 88

Credit Cards Payment APIs and Integration Payment Gateways Gateways 88

The Fintech Times

MARCH 25, 2025

Meeting both local and international regulatory standards, the platform integrates various components, including an Integration Platform for seamless connectivity, a Participant Portal for real-time transaction monitoring, and a Dispute Portal for efficient case resolution.

Instant Payments 59

Instant Payments Payments Settlement Central Bank 59

Stax

DECEMBER 9, 2024

Debit or credit card chargebacks are when a disputed charge made to a merchant’s account is refunded to the customer’s bank account. According to the federal Fair Credit Billing Act , consumers can dispute a charge in the case of billing errors and the failure of a business to render goods or services as described.

Credit Cards 88

Credit Cards Process Disputes Card Issuer 88

The Payments Association

JUNE 16, 2025

Businesses cite a broad mix of motivations, from lower transaction fees and faster settlements to a lack of consumer demand. Crucially, establishing a standardised dispute resolution framework is essential to gain merchant confidence, addressing their most significant barrier and unlocking the full potential of this payment method.”

On-Demand 88

On-Demand Settlement Disputes Addressing 88

Stax

MAY 13, 2025

Some solutions also offer flexible settlement schedules and real-time funding, helping you stay ahead of cash flow crunches. Whether its a technical issue or a chargeback dispute, having a real person to talk to can make all the difference. Look for providers that offer clear pricing, straightforward contracts, and responsive support.

Credit Cards 88

Credit Cards Payment APIs and Integration Processors Online and Mobile Banking 88

Stax

NOVEMBER 21, 2024

Clearing and settlement With full authority to proceed with the transaction, your credit card processor will forward the transaction details to the relevant card networks, which are responsible for routing the relevant funds from your customer’s bank to your business bank (acquiring bank).

Credit Cards 88

Credit Cards Small Business Process Credit Card Payment Processing 88

Clearly Payments

FEBRUARY 10, 2025

Chargeback Fees If a customer disputes a transaction, you could pay between $20 and $100 per chargeback. Chargebacks: A Hidden Risk A chargeback occurs when a customer disputes a transaction, and the money is refunded to them, often at the merchants expense. for every $1 disputed due to fees, lost inventory, and operational costs.

Small Business 66

Small Business Process Address Verification System (AVS) Cross-Border 66

Finextra

JUNE 4, 2025

Humans Mobile Ltd (Singapore), part of Humans Group, an international holding company and owner of Humans' business in Uzbekistan, has formally initiated arbitration proceedings against the Republic of Uzbekistan before the World Bank's International Centre for Settlement of Investment Disputes (ICSID Case No. ARB/25/24).

Disputes 52

Disputes Settlement 52

EBizCharge

FEBRUARY 26, 2025

NetSuite automates key aspects of the payment process, including authorization, capture, and settlement, reducing manual effort and minimizing errors. NetSuite records the disputed transaction. Merchants can submit documentation to dispute the chargeback. NetSuite records the disputed transaction.

Credit Cards 52

Credit Cards Process Payment Gateways Payment APIs and Integration 52

Stax

JANUARY 21, 2025

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. Optional add-ons include ACH processing, next-day settlement, and customer branding. You can also dispute chargebacks from your account.

Payment Gateways 88

Payment Gateways Gateways PCI DSS Payment APIs and Integration 88

EBizCharge

DECEMBER 18, 2024

A clearinghouse is an intermediary organization that facilitates the settlement of transactions, ensuring the accurate and efficient exchange of money, securities, or data between parties in financial or other transactional systems. This benefits buyers and sellers by providing quicker settlements. What is a clearinghouse?

Facilitators 52

Facilitators Transactions Settlement Mitigation 52

The Fintech Times

JUNE 6, 2025

Due to their vulnerability to cash flow issues and slow payment settlement times, SMBs are intensely focused on payment innovation. A third of SMBs (32 per cent) cite payment settlement delays as a major cash flow disruptor, rising highest (37 per cent) among larger merchants.

Payment Security 40

Payment Security Security Point-of-Sale (POS) Contactless Payments 40

Fintech Finance

JULY 3, 2025

This expansion is core to Worldpay’s strategy for enabling global merchants to serve local consumers with preferred payment types, accelerating commerce through improved authorization rates, robust fraud protection, and efficient settlements.

Alternative Payment Methods 52

Alternative Payment Methods Multi-Currency Acquirers Cross-Border 52

Fintech News

JULY 21, 2025

Scenario 2: An Indian SaaS firm wants to scale across SEA Without orchestration: Requires multiple PSP contracts & integrations, inconsistent tax & compliance handling, fragmented dispute resolution. With orchestration: Single integration provides region-wide PSP and APM access, automates tax compliance, and consolidates payment data.

Cross-Border Payments 57

Cross-Border Payments Cross-Border APACS Multi-Currency 57

Clearly Payments

MAY 22, 2025

Settlement A settlement is when the funds from a transaction are actually transferred to the merchant. Batch A group of transactions sent for settlement at the same time. Chargeback Fee A fee charged when a customer disputes a charge. Chargeback When a customer disputes a charge and wants their money back.

Online and Mobile Banking 52

Online and Mobile Banking Debit Card Processors ACH 52

My Payment Savvy

JUNE 16, 2025

Settlement (1–3 Business Days Later) At the end of the day, your processor batches all approved transactions and sends them for settlement. Strong, secure payment processing systems include tools that help prevent disputed charges. How does the gateway handle disputes, chargebacks, and fraud prevention?

Payment Gateways 52

Payment Gateways Gateways Online and Mobile Banking PCI DSS 52

Stax

NOVEMBER 14, 2024

They occur when a consumer disputes a certain charge to their account. Mitigating Delays in International Settlement Times Cross-border transactions can take longer to process than domestic ones due to currency conversions, regulatory checks, and additional verification steps. Step one in both cases is not to panic.

Credit Cards 88

Credit Cards Process Online and Mobile Banking Payment APIs and Integration 88

Cardfellow

JUNE 7, 2025

Chargebacks, on the other hand, happen when the customer initiates a dispute with their bank. In this case, they’re unhappy with the transaction but either your business refused to issue a refund, or the customer didn’t try to obtain a refund but went straight to a dispute.

Accounts 52

Accounts Processors Returns Credit Cards 52

EBizCharge

NOVEMBER 27, 2024

Transaction settlement: After a payment is authorized, the merchant account facilitates the settlement process. Stay prepared to address chargebacks and disputes promptly to maintain smooth operations and protect your business. This integration ensures a seamless and secure transaction flow.

Accounts 52

Accounts Payment Gateways Gateways Payment APIs and Integration 52

EBizCharge

MARCH 20, 2025

Whats a settlement period? The settlement period is the time it takes for funds from a transaction to be transferred to the merchants bank account. Whats a settlement period? The settlement period is the time it takes for funds from a transaction to be transferred to the merchants bank account.

Payment Gateways 52

Payment Gateways Gateways Payment APIs and Integration Payments 52

Fintech Finance

JULY 15, 2025

Customer experience, faster settlement, and lower fees top the list of perceived benefits. Larger businesses (those with over £25 million in turnover) are especially interested in faster settlement times (69%), while medium-sized firms express heightened concerns about fraud, dispute processes and limited recurring payment functionality.

Payment APIs and Integration 52

Payment APIs and Integration On-Demand Settlement Small Business 52

Fintech News

JULY 21, 2025

E-wallet providers have also been brought into the fold through the Financial Industry Disputes Resolution Centre (FIDReC), giving consumers access to independent redress channels beyond SRF-specific cases. These alternatives are designed for post-dated payments and transactions that require higher certainty of settlement.

FinTech 57

FinTech Scams AI Risk 57

Cardfellow

JUNE 16, 2025

Some business owners choose to pay for instant funding or faster settlement, but if you don’t elect to do that, settlement typically takes 1-3 business days. If processors and banks chose to use FedNow, you could see instant settlement of transactions on the FedNow rails. Credit cards also have better dispute options.

FedNow 52

FedNow Credit Cards Process P2P 52

The Fintech Times

JULY 16, 2025

Despite a better customer experience, faster settlement and lower fees being listed as some of the biggest benefits of open banking-enabled A2A payments, in its survey of 500 senior decision-makers across UK SMEs, The Payments Association found that a third of businesses still don’t fully understand what open banking entails.

Payment APIs and Integration 45

Payment APIs and Integration On-Demand Settlement Disputes 45

The Payments Association

JUNE 16, 2025

Limited exceptions: Reimbursement may be denied if the consumer is found to have acted with gross negligence, engaged in first-party fraud, or if the case involves a genuine commercial dispute. Of these, the consumer standard of care has quickly become a contentious focal point.

Scams 88

Scams Assessments Consumer Protection Fraud Prevention 88

EBizCharge

JUNE 27, 2025

A class-action settlement between Canadian merchants and Visa and Mastercard gave businesses the ability to start surcharging customers for credit card payments. A rushed implementation can lead to errors, disputes or, worse—violations of card network rules or provincial regulations. That changed in 2022.

Credit Cards 52

Credit Cards Legal Card Network Rules Rules 52

The Fintech Times

MAY 31, 2025

Preparing for flexible settlement frameworks Grigore Rou, founder and CEO of Pi Squared, According to Grigore Rou , founder and CEO of Pi Squared , the most advanced verifiable settlement layer for AI and crypto, traditional blockchains exist and are already becoming outdated if they fail to become flexible.

Blockchain 76

Blockchain Settlement Privacy Disputes 76

The Payments Association

JULY 18, 2025

Evaluate impact on systems architecture, including interoperability requirements, private-sector wallet development, and settlement linkages with RTGS and new ISO 20022 rails. Inadequate liquidity planning to support real-time settlement may lead to processing failures or financial penalties.

Regulations 88

Regulations Payments Payment APIs and Integration Legal 88

Finextra

JUNE 26, 2025

Chargeback fraud False claims for chargebacks by consumers: False claims for chargebacks, also known as chargeback fraud or friendly fraud, occur when consumers falsely dispute legitimate transactions with their credit card companies to get a refund while keeping the purchased goods or services.

Stablecoins 52

Stablecoins Payment APIs and Integration Fraud Prevention Cross-Border 52

EBizCharge

JUNE 23, 2025

As part of that settlement, they agreed to permit credit card surcharges, provided that merchants followed a strict set of rules around limits and disclosures. A major turning point came in 2013 when Visa and Mastercard settled a class-action lawsuit with a group of merchants. Getting this wrong can cost you.

Credit Cards 52

Credit Cards Legal Card Network Rules Point-of-Sale (POS) 52

Payments Dive

JULY 14, 2025

But the real costs, such as failed payments, delayed settlements, disputes, chargebacks and manual interventions, hide in plain sight. If your business isn’t looking beyond the transaction fee, these hidden costs can significantly impact your bottom line. Fees aren’t the problem. Friction is. It’s easy to track fees.

Payments 163

Payments Privacy Settlement Reconciliation 163

Finextra

JUNE 26, 2025

Chargeback fraud False claims for chargebacks by consumers: False claims for chargebacks, also known as chargeback fraud or friendly fraud, occur when consumers falsely dispute legitimate transactions with their credit card companies to get a refund while keeping the purchased goods or services. Pay with TRIO offers: Settlement in minutes.

Stablecoins 52

Stablecoins Payment APIs and Integration Cross-Border Account Takeovers 52

Fintech Weekly

JUNE 5, 2025

The only other example I can recall that created such a sea change was when the SEC stopped granting preemptive waivers of the bad actor tag as part of settlements. And the analogy fits as some of the competition for those resources feels like the wild west in terms of sharp conduct and disputes.

Risk 78

Risk Legal Legal Framework AI 78

The Fintech Times

MAY 22, 2025

Worldpay is bringing key solutions to Colombia including its e-commerce payments technology , multi-layered fraud protection, 3D secure and secure customer authentication , authorisation, clearing and settlement, dispute management and data insights.

Disputes 45

Disputes Acquirers Settlement Global Payments 45