The Fintech Times

JANUARY 28, 2025

” Since 2015, UK law has capped the level of MIFs at 0.3 Damages continue to accrue until the date of judgment or settlement (plus interest) – meaning, if the lawsuit proves successful, Visa and Mastercard could be forced to pay billions in compensation. per cent on consumer credit transactions, and 0.3

Visa 59

Visa Commercial Card Caps Laws 59

The Payments Association

JUNE 3, 2025

Asset tokenisation consolidates multiple functions into a single distributed ledger, including issuance, trading, settlement, and custody. Tokenisation must also contend with data sovereignty laws that dictate where data can be stored, processed, and transferred.

Security 88

Security Payment Security Payment APIs and Integration Credential 88

Fintech News

JULY 21, 2025

India has complex tax and compliance laws like GST, TDS, and OPGSP guidelines for exporters. Regulatory Headwinds Each APAC country has its own digital commerce framework, from licensing and data storage to taxation and cross-border money movement: • Indonesia and Vietnam have rules around onshore vs. offshore acquiring and data storage.

Cross-Border Payments 59

Cross-Border Payments Cross-Border APACS Multi-Currency 59

Stax

MARCH 11, 2025

Settlement and funding At the time the payment processor sends a confirmation message to your payment gateway, it will also facilitate the transfer of funds from the customers account to your merchant accountthis is known as the settlement process.

Online Payment Processing 88

Online Payment Processing Process Payment Gateways Online and Mobile Banking 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. Federal and Provincial Regulations There’s no federal law in Canada that prohibits credit card surcharging, but that doesn’t mean businesses can surcharge without any oversight.

Credit Cards 52

Credit Cards Legal Card Network Rules Rules 52

The Fintech Times

JULY 17, 2025

They have the potential to revolutionise how we move money; accelerating settlement, cutting friction from cross-border transactions and laying the groundwork for programmable finance that actually works for institutions and consumers alike. Or consider institutional settlement. But excitement alone doesn’t make a product credible.

Stablecoins 45

Stablecoins Cross-Border Issuers Use Case 45

Finextra

JULY 16, 2025

As global finance becomes increasingly digitized, the infrastructure supporting cross-border financial services — payments, settlements, identification, compliance — has been largely constructed with the explicit aim of exclusion, rather than inclusion. The consequences are profound. It can be practically engineered.

Cross-Border 52

Cross-Border OFAC Laws Compliance 52

Stax

NOVEMBER 14, 2024

Complying with International Regulations Each country has unique laws and regulations governing online transactions, data protection, and fraud prevention. Some payment processors offer expedited international settlement options to help merchants avoid lengthy wait times. This delay can impact cash flow for businesses.

Credit Cards 88

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

Finextra

JUNE 23, 2025

By passing this law, U.S. By transforming stablecoins from a wild experiment into a tightly supervised financial product, the law paves the way for broader adoption. Round-the-clock settlement is one of JPMD’s selling points: businesses could pay each other on a Saturday at midnight as easily as a Tuesday at 10 a.m.,

Embedded Finance 52

Embedded Finance Stablecoins Finance Payment APIs and Integration 52

Clearly Payments

FEBRUARY 10, 2025

Settlement Delays International payments can take 2-5 days to process due to multiple banking systems involved. Regulatory Compliance Businesses must comply with rules like GDPR (Europe), PSD2 (EU), and AML/KYC laws in various countries. Higher Interchange Fees International card transactions often have 0.5%

Small Business 65

Small Business Process Address Verification System (AVS) Cross-Border 65

The Fintech Times

JANUARY 17, 2025

Fintech regulations in Trkiye largely align with EU standards, with its Payment Law resembling the First Payment Services Directive (FPSD). A proliferation of accelerator programmes, co-working spaces, and incubation centres further highlights the countrys burgeoning startup ecosystem.

Digital Payments 59

Digital Payments FinTech Laws Credit Cards 59

The Payments Association

JUNE 16, 2025

Law enforcement also needs serious resourcing. The consensus across the sector remains that a cross-sector, prevention-focused strategy—encompassing telcos, tech platforms, law enforcement, and government—is urgently needed to prevent fraudulent transactions before money moves, rather than attempting recovery after the fact.

Scams 88

Scams Assessments Consumer Protection Fraud Prevention 88

The Fintech Times

JULY 1, 2025

This enables third-party broker-dealers to access custody, clearing, and settlement for on-chain assets. The move aims to broaden institutional and retail access to digital securities within the framework of federal securities laws. Company updates Prometheum Capital , a subsidiary of Prometheum Inc.,

FinTech 59

FinTech Payment APIs and Integration Online and Mobile Banking Contactless Payments 59

EBizCharge

JUNE 23, 2025

But here’s the catch: surcharge rules are a patchwork of federal guidelines, state laws, and card network rules. That distinction is important because surcharges are more tightly regulated by both card networks and state laws. Today, surcharge rules are shaped by a mix of card brand requirements and state-level laws.

Credit Cards 52

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

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. Bank Accounts & Settlements Merchant Account A special account used to receive card payments. Chargeback Report A summary of disputes.

Online and Mobile Banking 52

Online and Mobile Banking Debit Card Processors ACH 52

Payments Dive

JUNE 11, 2025

Sean Gallup via Getty Images Dive Brief: Buy now, pay later company Sezzle sued Shopify Monday, alleging in a federal lawsuit that the Canadian e-commerce marketplace systematically damaged its business and violated antitrust laws when it favored Shopify’s own BNPL offering over that of Minneapolis-based Sezzle for the past four years.

BNPL 78

BNPL Privacy Stablecoins On-Demand 78

PayPal

JULY 17, 2025

Availability or legality of digital asset services may change without notice, and services may be restricted, suspended, or terminated in certain jurisdictions as required by law or regulation.

PayPal 98

PayPal Stablecoins Venmo Blockchain 98

The Paypers

JUNE 26, 2025

In addition, the company is expected to continue to focus on meeting the needs, preferences, and demands of clients and users in an ever-evolving market, while prioritising the process of remaining compliant with the regulatory requirements and laws of the industry as well.

Payments 56

Payments Embedded Payments Audit Multi-Currency 56

The Payments Association

JULY 18, 2025

In the UK, the implementation of landmark fraud prevention laws and the expansion of the cryptoasset regulatory perimeter mark a decisive shift towards greater accountability. The offence, modelled on similar provisions in anti-bribery and tax evasion law, applies regardless of whether senior management was aware of the misconduct.

Regulations 88

Regulations Payments Payment APIs and Integration Legal 88

The Fintech Times

NOVEMBER 14, 2024

Born out of the global law firm DLA Piper, Scintilla is a digital asset creation platform that combines the compliance and regulatory knowhow of a global law firm with technology solutions. Launched in 2023, SSImple is a SaaS platform that facilitates compliance with expected FMSB and FCA requirements driven by T+1 settlement.

FinTech 64

FinTech Non-Bank Settlement Laws 64

Stax

DECEMBER 9, 2024

Authorization and Settlement The acquiring bank, upon receiving the transaction details, verifies the availability of funds in the consumer’s credit card account. If sufficient funds are available, the bank approves the transaction and sets in motion the settlement process.

Credit Cards 88

Credit Cards Process Disputes Card Issuer 88

Fintech Labs Insights

MAY 22, 2025

An Emerging Parallel Equities Market Krakens xStocks , built on Solana and backed 1:1 with real-world shares, form a shadow version of the equities market operating outside of traditional exchanges, clearinghouses, and settlement rails. Blockchain-native settlement could shorten T+2 to T+instant.

Settlement 15

Settlement Blockchain Cross-Border Non-Bank 15

Payments Dive

JUNE 20, 2025

By Patrick Cooley • July 25, 2024 Justin Sullivan via Getty Images Visa CEO ‘strongly’ disagrees with class settlement ruling The card network giant expects the parties to negotiate a new settlement following a judge’s rejection of an agreement reached earlier this year, but its CEO notes that could happen after a trial begins.

Push-to-Card 88

Push-to-Card Privacy Settlement Zelle 88

Payments Dive

JUNE 24, 2025

million settlement Monday that resolves more than a decade of litigation against Visa and Mastercard over allegations that the networks colluded to limit competition in the ATM market and to keep access fees high. The class-action settlement endorsed by U.S. Visa did not respond to emails seeking comment on the settlement.

ATM 167

ATM Settlement Visa Privacy 167

EBizCharge

MAY 22, 2025

These include regulations such as Payment Card Industry Data Security Standards (PCI-DSS), General Data Protection Regulation (GDPR), and local and industry-specific invoicing laws like the Health Insurance Portability and Accountability Act (HIPAA). Failure to comply can result in fines or legal issues.

Process 52

Process Best Practices Reconciliation Automation 52

Payments Dive

JUNE 17, 2025

Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Dive Brief MoneyGram settles NY AG lawsuit The money transmitter will pay a $250,000 civil fine to resolve claims it violated consumer laws with its remittances practices.

FedNow 78

FedNow Federal Reserve Privacy CFPB 78

Payments Dive

JUNE 13, 2025

Last year, the Consumer Financial Protection Bureau sought to regulate EWA providers under federal lending laws, a move that fintechs opposed. States are gradually beginning to regulate EWA providers, with Arkansas, Maryland and Utah adding to the collection this year.

Payroll 78

Payroll Privacy B2B Addressing 78

Fintech Weekly

JUNE 5, 2025

The law doesn’t vanish when enforcement slows. 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. That’s the point—our laws and legal frameworks are meant to be universally applicable.

Risk 78

Risk Legal Legal Framework AI 78

The Paypers

JUNE 20, 2025

The bipartisan bill, which seeks to create a legal framework for stablecoin issuance, is now being reviewed by the House of Representatives and may be signed into law by August 2025. These tokens are typically pegged to the US dollar and backed by reserve assets, offering faster settlement and lower transaction fees.

Stablecoins 36

Stablecoins Digital Currency CBDC Cross-Border 36

Payments Dive

JULY 14, 2025

Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Connecticut enacts controversial EWA law The state’s governor signed a measure last week that some earned wage access providers opposed.

Laws 78

Laws Caps Privacy Settlement 78

Finextra

JULY 7, 2025

Buying a stock in token form doesn’t mean securities laws vanish. Regulators around the world are actively scrutinizing how tokenised stocks fit into laws – investor protections, market integrity, etc. Faster settlement reduces counterparty risk (the risk someone defaults before the trade settles) and frees up capital.

Blockchain 59

Blockchain Payment APIs and Integration Regulations Security 59

Payments Dive

JULY 14, 2025

Existing laws tailored to traditional finance don’t quite fit crypto. Mersinger noted that regulating the industry with the laws already in place has “created ambiguity,” thus limiting innovation and pushing changemakers to other jurisdictions with clearer crypto rules. Sign up A valid email address is required.

Privacy 117

Privacy Stablecoins Regulations Treasury 117

Payments Dive

JANUARY 16, 2025

The digital payments provider agreed to pay penalties to the Consumer Financial Protection Bureau and a group of states under settlements that alleged the company violated banking laws.

Blocks 174

Blocks Regulations Settlement Laws 174

PYMNTS

DECEMBER 26, 2018

According to a report in TechCrunch , citing law firm Lichten & Liss-Riordan, Uber has as part of the settlement tentatively offered to pay 11 cents for each mile Uber drivers drove. With the settlement, drivers who accept it must release all claims lodged against Uber related to misclassification of employees.

Settlement 83

Settlement Agreements Laws Rules 83

PYMNTS

FEBRUARY 22, 2019

In a settlement that has been given preliminary approval by a federal court in New York, Visa and Mastercard, along with bank defendants, have agreed to provide roughly $6.24 billion in settlement funds. The Court has now given preliminary approval to this settlement.” 7 to determine if the proposed settlement is approved.

Settlement 87

Settlement Visa Debit Card NOV 87

Payments Dive

JULY 29, 2024

The law firm falsely suggested it represented well-known businesses in the claims filing process and blamed an outside party for the snafu that prompted a call for sanctions.

Process 88

Process Settlement Visa Laws 88

PYMNTS

SEPTEMBER 18, 2018

billion settlement has been reached by Visa, Mastercard and several U.S. The settlement had been anticipated over the past few weeks, as evidenced by news reports over the summer. The settlement had been anticipated over the past few weeks, as evidenced by news reports over the summer. billion in the same case.

Settlement 70

Settlement Visa Agreements Rules 70