Fintech Review

MAY 4, 2025

Best for : Fintechs needing unified access to multiple financial and business data systems. Rutter Offers a universal API for integrating commerce, accounting, and payments data across platforms like Shopify, Amazon, Stripe, and Xero. Ideal for platforms integrating finance tools at scale.

Payment APIs and Integration 76

Payment APIs and Integration FinTech Multi-Currency Embedded Finance 76

Finovate

JANUARY 24, 2025

The regulatory landscape for fintechs and financial services companies operating in the European Union is expected to undergo significant changes this year, with new standards, guidelines, and rules governing payments, data privacy, digital assets, and more.

Regulations 72

Regulations FinTech BNPL Cross-Border 72

Fintech Finance

MARCH 5, 2025

“PAR transforms fragmented payment data into actionable insights, fostering deeper customer connections,” said Yasser Abou-Nasr, SVP of Product at IXOPAY. By restoring this connection, PAR brings the familiarity of Main Street to e-commerce, enabling merchants to engage customers more personally and seamlessly.

Accounts 52

Accounts Fraud Detection Payments Fraud Prevention 52

Basis Theory

MARCH 11, 2024

Access to, and control of, data is a fiercely competitive and much-debated area of modern business, and nowhere is this more true than in the cases of data portability and interoperability.

Interoperability 88

Interoperability Payments Data Payments 88

PYMNTS

JUNE 17, 2019

Not only is this reality making life difficult for merchants, it is also creating challenges for consumers because they have yet one more choice when it comes to storing sensitive and secure payment data — through a browser, through people who gave them their phones or other services.

Interoperability 85

Interoperability FinTech API EMV 85

PYMNTS

AUGUST 12, 2020

Visa has become a part of the ranks of companies experimenting with Phixius, a technology that assists credentialed service providers in exchanging and supervising digital payments data, NACHA said in a Wednesday (Aug. As of now, companies mainly trade data regarding payments with deals between two parties.

Phixius 79

Phixius ISO 20022 Payments Data NACHA 79

Fintech Finance

SEPTEMBER 17, 2024

The move comes as part of its offering to simplify reconciliation and enhance data standardisation for its global payments client base. ISO 20022 is the global messaging standard for financial messages, designed to enable interoperability between financial institutions and other market players.

ISO 20022 105

ISO 20022 ISOs Reconciliation Message Standards 105

Fintech News

DECEMBER 10, 2023

Surprisingly, one of the most common reasons behind payment failures is incomplete or inaccurate data. To address this issue effectively, having a reliable source of truth for payment data is indispensable. This proactive approach eliminates the costly consequences of failed payments.

Addressing 122

Addressing Fraud Prevention Financial Inclusion Payments 122

Fintech Finance

SEPTEMBER 25, 2024

Greater control of payment data with Standalone Vault and Forward API Standalone Vault allows customers to securely store, manage, and retrieve all their Checkout.com transaction payment data in one centralised vault.

Continuity 98

Continuity Product Payment APIs and Integration API 98

PYMNTS

DECEMBER 30, 2020

Increasingly, as B2B payment innovators discussed, that adaptability is giving way to accelerated infrastructure innovation, as well as new business and payment models, all in pursuit of greater efficiency. On the buyer side, adoption of electronic payments that can automate repeat transactions and aggregate payment data will be key.

B2B 119

B2B Payer Payments BNPL 119

PYMNTS

NOVEMBER 10, 2020

Increasingly, corporate treasurers need to move and view their liquidity in real time across their accounts, with Scaffidi pointing to open banking as a means of unlocking that view, and real-time payments as a means of enabling instant liquidity transfers.

B2B 117

B2B Real Time Payments Value Added Service ISO 20022 117

PYMNTS

JUNE 16, 2020

As the financial services industry seeks to expand the use and value of instant payments linking cross-border transactions with always-on digital commerce, uniting far-flung stakeholders and fostering interoperability is key. Think of the cargo ship that ferries containers in its cargo hold.

ISO 20022 72

ISO 20022 B2B Cross-Border ISOs 72

PYMNTS

FEBRUARY 26, 2020

As the world’s payment market infrastructures and their currencies complete their adoption of ISO 20022, they are reaping the benefits that interoperable and data-rich standard can offer. Richer Data With A Little Help From Our Friends . A Gradual Move With Big Benefits.

ISO 20022 104

ISO 20022 ISOs SWIFT Cross-Border Payments 104

The Fintech Times

MARCH 31, 2024

Ensuring interoperability between CoP systems Thomas Peeters , head of Benelux, Nordics and Baltics at Swift Thomas Peeters , head of Benelux, Nordics and Baltics at Swift, explained: “Simple mistakes are the cause of huge delays in cross-border payments.

Payee 59

Payee SWIFT Cross-Border Cross-Border Payments 59

PYMNTS

FEBRUARY 5, 2020

In addition, manual processing currently used can lead to misapplied payments while opening the door to fraud. Phixius lets businesses share payment-related data to “improve fraud protection, automate manual processes and improve customer experiences,” according to the announcement.

NACHA 52

NACHA Phixius B2B Same Day ACH 52

The Fintech Times

MAY 17, 2024

There is a global desire to find commonality, interoperability and simplicity for online payments. Our passkeys, designed specifically for payments, represent a massive paradigm shift in our industry because it confirms identity without interrupting the checkout experience,” said Forestell.

Product 128

Product Consumer Online and Mobile Banking RTP 128

The Payments Association

JANUARY 15, 2025

For merchants, this shift is significant: Network tokens arent just a security measure; theyre a dynamic, interoperable solution that simplifies payments, reduces costs, and improves approval rates. By removing the need for merchants to store sensitive card details, network tokens mitigate the risk of data breaches.

Security 88

Security Data Breach Payment Networks Interoperability 88

PYMNTS

JANUARY 22, 2019

Financial Innovation Now (FIN) submitted a public letter in December, contending that the Fed was best-positioned to operate a ubiquitous, interoperable real-time payments network. Innovation, flexibility and agility helped drive WEX ’s acquisition of Discovery Benefits, Inc.

Faster Payments 66

Faster Payments Real Time Payments Ubiquitous Debit Card 66

PYMNTS

MARCH 22, 2018

Parker said Modo works to provide interoperability and manage payments data, all in the cloud — which he said is a big deal because less than 1 percent of all payments data is ever in the cloud, although he believes that’s where it all should be. It’s taken for granted that they will be interoperable.

Interoperability 46

Interoperability ACH PayPal Payments Data 46

PYMNTS

DECEMBER 12, 2018

However, with so much sensitive information being transferred with each transaction, the need to keep the data secure has never been greater. In the new Smarter Payments Tracker , PYMNTS explores the latest efforts by banks and businesses to keep payments data secure from fraudsters, cybercriminals and other bad actors.

Data Breach 66

Data Breach Payments Faster Payments Breach 66

PYMNTS

OCTOBER 23, 2018

Just as the physical point of sale benefited from global, interoperable standards, we expect SRC to bring similar levels of success to eCommerce, mCommerce and IoT channels,” Anil noted in the press release. is expected to define interfaces for the secure exchange of payment data and accommodate the use of dynamic data, such as cryptograms.

EMV 49

EMV Continuity Security Interoperability 49

PYMNTS

SEPTEMBER 11, 2019

In June, the Chinese digital payment player Alipay and a handful of European mobile wallets announced a partnership to promote QR code payment interoperability. How Cross-Border Payments Are Made. API-based payment solutions can also help alleviate cross-border payments frictions by serving as payment-vetting mechanisms.

Cross-Border Payments 76

Cross-Border Payments Cross-Border ISO 20022 Real Time Payments 76

PYMNTS

JANUARY 25, 2019

Many major corporations still crave real-time payment services, though, because they provide more detailed information. . However, the current payments environment in the U.S. is fragmented, Richardson said, and faster payment systems can remove some of the headaches of managing payments data and reconciliation.

Real Time Payments 67

Real Time Payments Federal Reserve RTP TCH 67

PYMNTS

OCTOBER 17, 2017

In an interview with Karen Webster, Modo CEO Bruce Parker said that viewing a payment holistically — before, during and after – will help break down information silos and remove the friction of interoperability, and even improve operational efficiencies to boot. Modo asks, by way of contrast, not to agree on a ledger.

Payments 46

Payments Interoperability Rules Blockchain 46

PYMNTS

AUGUST 9, 2019

The second Payment Services Directive (PSD2) requires financial institutions (FIs) to provide third parties access to their payment data, but some countries and banks are implementing this faster than others. Last week, U.K.-based 14 deadline. “If The Competition. Under PSD2, all banks are required to open their APIs.

Authentication 61

Authentication Payment APIs and Integration Compliance Issuers 61

PYMNTS

JANUARY 29, 2020

The EU wants to capitalize on the trove of industrial and professional data in Europe and look at technological innovation, saying, “the winners of today will not necessarily be the winners of tomorrow,” Reuters reported.

Cross-Border 52

Cross-Border Rules Interoperability Central Bank 52

PYMNTS

MAY 12, 2020

He recommends digitizing key components of paper check payments, including the automatic capture of payment data and integration with firms’ enterprise resource planning (ERP) and other back-office systems. They’re foundational, and a lot of people still like using them,” he said.

B2B 52

B2B Same Day ACH FedNow Federal Reserve 52

PYMNTS

MARCH 16, 2016

“The main drivers behind CPA’s ISO 20022 initiative are to provide the Canadian financial community with enriched, robust remittance data, to enhance domestic and cross-border interoperability and to increase efficiency,” said Mark Brule, director of the CPA’s payments innovations operations.

ISO 20022 40

ISO 20022 ISOs Message Standards Cross-Border 40

Nanonets

AUGUST 14, 2023

The system can predict cash flow based on existing invoices and payment data, allowing you to plan your funds more effectively. It also ensures timely payment processing, reducing the risk of late fees or missed payments. Problem 8: Lack of interoperability Not all systems can communicate with each other effectively.

AI 52

AI Process Automation Interoperability 52

PYMNTS

MAY 7, 2018

Orlando said that the general premise of tokenization as part of the payments process – as a secure way of storing a credential – allows disparate types of data to be mixed. Along different continuums, you can link data together,” he told Webster.

Credential 44

Credential Use Case Issuers Interoperability 44

PYMNTS

JANUARY 26, 2017

Otherwise, how can we manage an effective distributed ledger of data across all parties? Interoperability and integration of the buyer and sellers’ data is therefore essential. Today, that data is stored in their ERP.”.

Blockchain 57

Blockchain Cross-Border Payments B2B Cross-Border 57

Fintech Finance

MAY 16, 2024

There is a global desire to find commonality, interoperability and simplicity for online payments. Our passkeys, designed specifically for payments, represent a massive paradigm shift in our industry because it confirms identity without interrupting the checkout experience,” said Forestell.

Product 52

Product Online and Mobile Banking Credential RTP 52

PYMNTS

JUNE 22, 2018

The Smarter Payments Tracker , powered by FIS , is a bimonthly report that looks at how payment systems are evolving to become faster, transmit data, offer interoperability between systems and more to improve the payer and payee experience. About the Tracker.

Account Takeovers 43

Account Takeovers Accounts Data Breach Breach 43

PYMNTS

FEBRUARY 7, 2020

Emerging technologies like virtual reality and 5G are also adding to the burden of higher bandwidth and faster service speeds, all of which will pressure these telcos to accelerate their interoperability capabilities. However, the telecommunications arena is far from the only industry experiencing this shift.

Volume 40

Volume B2B Cross-Border On-Demand 40

EBizCharge

JULY 18, 2024

Training should cover using the EDI system, troubleshooting common issues, and maintaining data integrity and security. Investment in training is crucial in avoiding disruptions and errors during the transition to and use of EDI payments. Therefore, a solid data backup strategy is essential to mitigate risks.

ACH 52

ACH Transactions Payments Funds Transfer 52

Fintech Finance

MARCH 5, 2025

“PAR transforms fragmented payment data into actionable insights, fostering deeper customer connections,” said Yasser Abou-Nasr, SVP of Product at IXOPAY. By restoring this connection, PAR brings the familiarity of Main Street to e-commerce, enabling merchants to engage customers more personally and seamlessly.

Accounts 59

Accounts Fraud Detection Payments Fraud Prevention 59

PYMNTS

MARCH 7, 2016

SHOULDN’T WE BE PROTECTING MORE THAN JUST PAYMENTS DATA? The POS breaches that colored our world in payments starting at the tail end of 2013 set in motion a whole host of activities designed to protect payments data at the physical point of sale.

Online and Mobile Banking 46

Online and Mobile Banking Payments Same Day ACH Financial Inclusion 46