Fintech Finance

NOVEMBER 6, 2024

Headquartered in Haarlem, XPP’s technology serves thousands of clients across Europe, ensuring seamless payments and transactions in various sectors. Each platform removes the complexity of payments within its specific domain, with proven technology that perfectly aligns with sector requirements.”

Embedded Payments

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 Use Overview in USA and Canada In the U.S.,

Credit Cards

Stax

MARCH 13, 2025

To improve the payment experience for consumers, card networks must innovate and incorporate the latest technologies. Security technology Additional security measures like EMV chip cards and contactless payments can both influence interchange fees. Swipe fees fund these initiatives and cover the maintenance costs.

Debit Card

Stax

JUNE 8, 2025

A payment gateway is a technology that authorizes and processes payments between buyers and sellers by securely transmitting payment data. A payment gateway, on the other hand, is a technology that acts as an intermediary between a merchant’s website and the payment processor, securely transmitting payment information.

Payment Gateways

Clearly Payments

AUGUST 6, 2025

In 2024, fraudsters increasingly used artificial intelligence (AI) , deepfake technology, and synthetic identities to bypass traditional fraud controls. Evolving Tactics: AI & Organized Fraud Rings Fraud rings are no longer small-time operations. Many now operate like tech companies—complete with teams, tools, and automation.

Credit Cards

Stax

MARCH 6, 2025

Think Bluetooth technology but without manual device discovery and pairing. NFC technology can process payments through: Peer-to-peer mode. Read/write technology. This technology turns any NFC-enabled smartphone, smartwatch, or wearable into a contactless credit or debit card. NFC is a subset of RFID technology.

Contactless Payments

Stax

MAY 6, 2025

Both dipping and tapping require an EMV chip card that generates a unique one-time code for every transaction. In tap-to-pay transactions, EMV combines with another technology called NFC (near-field communications) that makes it possible for the card terminal to read credit card information from contactless cards.

Credit Cards

Cardfellow

JUNE 17, 2025

Device-based digital wallets use near field communication (NFC) technology to allow users to pay for purchases without handing over a credit or debit card. Available for iPhones, Apple Watch, and some iPads, Apple Pay utilizes NFC technology and can be used in many locations that have contactless terminals. How does it work?

PayPal

Stax

JULY 7, 2025

Mobile payments will typically involve one of several technologies, including Near Field Communication (NFC), QR codes, or SMS messaging. Mobile payment systems refer to the technologies and infrastructure that enable businesses to accept payments via mobile devices—whether in-store, online, or in-app.

Mobile Payments

Finextra

JULY 8, 2025

Tap to Interact” may not replace QR codes or EMV NFC in the short term, but it introduces a lightweight, extensible, and user-friendly method to bring digital engagement into physical spaces—especially in markets where app ecosystems dominate over card networks. What Comes Next? It expresses the views and opinions of the author.

Payment APIs and Integration

Cardfellow

MAY 17, 2025

This is particularly true if your machine is old enough that it doesnt support EMV chip cards. If you dont have an EMV capable terminal, its a good idea to upgrade now. A basic countertop credit card machine that accepts chip cards and includes the latest technology will typically run you a few hundred dollars. Still not sure?

Credit Cards

Stax

JANUARY 28, 2025

Click to Pay is based upon global EMV Secure Remote Commerce (SRC) standards, which include security measures like tokenization , multi-factor authentication , and 3D Secure protocols. So, by creating a unified system and eliminating the need to manually enter credit card information, the main feature of Click to Pay is speed.

Payment APIs and Integration

The Fintech Times

NOVEMBER 12, 2024

Each platform removes the complexity of payments within its specific domain, with proven technology that perfectly aligns with sector requirements.” Headquartered in Haarlem, just to the West of Amsterdam, XPP’s technology serves thousands of clients across Europe, ensuring seamless payments and transactions in various sectors.

Transactions

The Payments Association

JULY 11, 2025

Payments leaders face a critical technology decision as traditional point-of-sale (POS) systems give way to cloud-native, AI-powered payment platforms that fundamentally reshape customer interactions and operational efficiency. What’s next? Gone are the days of standalone dedicated payment terminals."

Point-of-Sale (POS)

Stax

MARCH 5, 2025

Meanwhile, a payment gateway is the technology that authorizes and processes payments between a buyer and seller by securely transmitting payment data. Meanwhile, a payment gateway is the technology that authorizes and processes payments between a buyer and seller by securely transmitting payment data. How do they work together?

Credit Card Payment Processing

Cardfellow

MAY 19, 2025

Some machines let you take magstripe, EMV chip, and NFC (contactless) payments while others only accept magstripe and EMV. These days, its harder to find a magstripe-only machine, and since the technology is outdated and less secure, you shouldnt purchase a magstripe-only model anyway.

Credit Cards

Stax

MAY 23, 2025

Join the Payments-Led Growth Movement Sign up to keep up-to-date with the latest trends in payments, vertical SaaS, and technology from industry experts. Join the Payments-Led Growth Movement Sign up to keep up-to-date with the latest trends in payments, vertical SaaS, and technology from industry experts. EMV, NFC, etc).

ISVS

Cardfellow

MAY 19, 2025

All five offer and promote EMV chip-capable credit card machines and options that can accept NFC (contactless) payments. Youve probably seen these machines at retail stores and supermarkets without even realizing it. Each company offers multiple models, with different models providing different features. With over 7.5

Credit Cards

Cardfellow

MARCH 27, 2025

For example, a business that doesnt use an EMV credit card machine and instead relies on magstripe swiping could see their transactions downgrade to Visa Non-Qualified. Common Reasons to Downgrade to Visa Non-Qualified There are several reasons a transaction may downgrade to the Visa Non-Qualified interchange category.

Processors

Cardfellow

FEBRUARY 26, 2025

This is done instead of swiping a magnetic strip or dipping an EMV chip card. The technologies are different, but most chip cards are also contactless enabled. They simply hold (or tap) their card or phone to the contactless reader on a credit card machine to complete the transaction. Is contactless the same as a chip card?

Contactless Payments

Finextra

JUNE 18, 2025

21 November EMV® 3DS: what do domestic schemes need to know? Twelve years on, the journey continues — driving payments toward a more open, interoperable, and innovative world. It expresses the views and opinions of the author. 13 February nexo standards: simplifying payments one transaction at a time.

ISO 20022

Clearly Payments

MAY 22, 2025

EMV Chip technology on credit cards. Chip & PIN EMV transaction that requires a PIN instead of a signature. EFT (Electronic Funds Transfer) Same as ACH, used more often in Canada. Digital Wallet Apps like Apple Pay or Google Pay that store your card. Contactless Payment A tap-to-pay method using NFC.

Online and Mobile Banking

EBizCharge

JUNE 12, 2025

It features a proprietary payment gateway equipped with advanced security features, including tokenization and encryption technology, to safeguard sensitive data and prevent fraud.

Process

Payments Source

OCTOBER 2, 2016

EMV chip cards have delivered on their promise to halt counterfeit fraud at the physical point of sale. But for a technology developed long before the invention of e-commerce, mobile wallets and the word "omnichannel," delivering on its promise still feels like falling short.

EMV

PYMNTS

AUGUST 13, 2020

PAAY has rolled out a partner platform to let merchants and payment providers implement and track EMV 3DS, a standard that aims to help prevent unauthorized card-not-present (CNP) transactions, throughout different merchant accounts. seconds on average through EMV 3DS. In that instance, merchants have to contend with cart abandonment.

EMV

Payments Source

NOVEMBER 11, 2020

EMVCo, the major card brand-supported venture to establish EMV guidelines and specifications, has begun testing a program to determine if consumer mobile devices can securely accept contactless payments — a move that not only hastens the adoption of contactless payments, but renews criticism over which networks control technology and routing decisions. (..)

EMV

Payments Source

APRIL 13, 2016

migration to EMV chip technology – intended to reduce card fraud, provide global interoperability, and enable safer payment transactions – may prove to be a valuable move for more than just the payments industry.

EMV

Payments Dive

MAY 29, 2018

New foodservice technologies — including self-order kiosks, mobile ordering and EMV-enabled payment systems — are being introduced at a rapid pace. Operators with existing POS investments need to be able to integrate new capabilities into their existing systems.

EMV

Payments Source

SEPTEMBER 26, 2016

’s $49 contactless card reader, there’s a new enticement to consider: Square has sped up the time it takes to accept EMV cards by 1.5 For merchants still on the fence about whether to buy Square Inc.’s seconds.

EMV

Payments Source

AUGUST 9, 2016

Card manufacturer Oberthur Technologies is offering issuers facing a shortage of EMV chip cards an option to receive as many as 25,000 in five days, rather than waiting the standard three to four weeks.

EMV

Payments Source

FEBRUARY 28, 2016

EMV liability shift for counterfeit card fraud went into effect, most restaurants aren't processing chip cards, and that's not changing anytime soon, according to a top executive at Heartland Payment Systems. Five months after the U.S.

EMV

Payments Source

SEPTEMBER 19, 2016

In order to successfully and scalably combat card-related fraud and digital payments hacking, organizations need to rely less on standards like EMV and PAN/PRN, and recognize today’s currency is no longer just about money.

EMV

Payments Source

DECEMBER 14, 2016

The percentage of EMV transactions in the United States is miniscule compared to other parts of the world, but the migration to chip cards in the U.S. is lifting the technology's global growth — now at 42.4% of all card transactions.

EMV

PYMNTS

FEBRUARY 13, 2019

Merchants saw a drop in card-present fraud due to the increased adoption of Europay, Mastercard and Visa (EMV) chip cards, Visa said. Merchants who have upgraded to chip technology saw a decrease of 80 percent in counterfeit fraud dollars in September of 2018 when compared to September of 2015. More than 3.1 million in Dec.

EMV

Fintech Finance

OCTOBER 18, 2024

Fime is proud to announce that it is the first to offer testing services in line with the EMV®* C-8 Contactless Kernel Specification**. The new EMV Contactless Kernel specification aims to simplify contactless payment acceptance. Migration will take some time and adoption plans should be carefully considered.

EMV

Payments Source

FEBRUARY 6, 2017

deadline for EMV migration, acquirers are taking stock of the damages that merchants incurred this year to determine the effect of the new technology. Now that the second holiday season has passed since the U.S.

EMV

Payments Source

FEBRUARY 22, 2019

Fuel payment options in the trucking industry have long relied on private-label cards from giants like Comdata and WEX, but a new challenger called Gas Pos is hoping to break in by capitalizing on new payments technology and the looming gas-station EMV migration.

EMV