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With chargeback volume set to hit 324 million in 2028, merchants and issuers need to find a way to protect their bottom line

Tearsheet

Source: 2025 State of Chargebacks: A GLOBAL VIEW FOR ISSUERS AND MERCHANTS A significant chunk of the expected increase in chargebacks will occur in North America, with the expected volume of chargebacks reaching 132.9 million in 2028 from 114.4 million in 2025.

Issuers 59
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How to Increase Transaction Success Rates for Online Merchants

Finextra

For high-volume or international merchants, this setup can significantly reduce declines caused by mismatches between issuer expectations and processor behaviour. Solutions like Adaptive Acceptance leverage machine learning to optimise transaction submissions to issuers, refining message formatting and routing paths.

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The battle for merchant deposits: How the fintech sector is challenging banks’ core business

The Payments Association

McMurtrie points out that the traditional four-party model involving consumers, merchants, acquirers, and issuers has also evolved significantly. This gives them a foothold to expand their services then, potentially offering lending and other value-added products that further cement their position as the go-to provider.

FinTech 88
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Stablecoins to streamline Cross Border Payments

Finextra

The legislation would limit the issuance of payment stablecoins in the United States to “permitted payment stablecoin issuers” (“PPSIs”) and qualifying foreign issuers. A foreign issuer would be permitted to offer and sell stablecoins becoming subject to OCC supervision, among other things. Stablecoins Act” or “GENIUS Act.”

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Navigating the shift: How banks and PSP’s can thrive with PSD3 and PSR in the EU & UK

The Payments Association

Data sharing: Businesses will need to provide more detailed information to issuers to comply with SCA requirements. Transaction monitoring and exchange of fraud-related data: To combat fraud effectively, banks and payment service providers must monitor transactions and share fraud-related data to detect early signs and respond swiftly.

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Rivero Advises Banks to Brace for Spike in Cardholder Disputes as Black Friday and Cyber Monday Near

Fintech Finance

While this payment method remains popular due to Visa and Mastercard’s robust consumer protection frameworks, it is essential for issuers to ready their operations for the anticipated rise in disputes. As the holiday shopping season approaches, card-based payments continue to dominate consumer transactions.

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Stablecoins Are Having a Moment. But What Are They Really?

Fintech News

They’re also centralised, which means the issuer holds the reserves and controls redemptions. Why This Could Be a Game Changer One of their biggest advantages of stablecoins is the ability to settle transactions around the clock, bypassing the delays, fees, and multiple intermediaries that define legacy systems like SWIFT.