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Non-Bank Payment APIs and Integration Research 
Stax
APRIL 3, 2025
But launching your eCommerce store is just half the equationaccepting payments efficiently and effectively is a whole different ball game. On the surface, it seems effortless, with customers only taking a few seconds to initiate and complete payments. Its the bridge between an eCommerce website, its customers, and the bank.
Finextra
JUNE 27, 2025
Soon, ISO 20022, a messaging standard designed to improve how payments are processed and communicated, will become the global norm. ISO 20022 was introduced in 2004 and has since been part of a long and complex journey to improve international payment messaging. And unfortunately, more work is ahead for everyone.
90 
Finextra
JULY 2, 2025
What began as CSR reporting has grown into real-time green incentives, making ESG a key strategy for both companies and banks. What began as CSR reporting has grown into real-time green incentives, making ESG a key strategy for both companies and banks. Banks and Fintechs now add sustainability scores to every payment.
59 
Stax
MAY 6, 2025
Credit cards are a staple in the wallets of consumers today, and they will undoubtedly be a payment method of choice for years to come, particularly as the adoption of mobile and contactless payments continues to grow. In fact, ResearchAndMarkets.com forecasts the global credit card payment market to grow to $762.16
88 
Finextra
JUNE 11, 2025
Indigenous Banking (Shroffs and Mahajans): Long before modern banks, India had a thriving indigenous banking system. These banks introduced formal ledger-based accounting and cheque payments. Cheque System: The cheque emerged as a formal payment instrument, requiring physical movement and manual clearing processes.
Finextra
JULY 8, 2025
They’ve been dependable, secure, and universally accepted - shaping how we shop, make payments, and interact with the digital economy. The rise of Real-Time Payments (RTP) However, that dominance is no longer guaranteed.
52 
Finextra
JUNE 24, 2025
EuroPA is an alliance of national digital payment champions – 𝗕𝗮𝗻𝗰𝗼𝗺𝗮𝘁(Italy), 𝗕𝗶𝘇𝘂𝗺 (Spain), 𝗠𝗕 𝗪𝗔𝗬 (Portugal), 𝗕𝗹𝗶𝗸 (Poland), 𝗜𝗥𝗜𝗦 (Greece), and 𝗩𝗶𝗽𝗽𝘀 𝗠𝗼𝗯𝗶𝗹𝗲𝗣𝗮𝘆 (Nordics). Wero enables instant, account-to-account (A2A) payments without relying on traditional card networks.
59 
Finextra
JUNE 26, 2025
And if your customers don’t feel safe while making payments, they won’t return. In this guide, you’ll understand what digital payment security is and what these regulations mean, how they impact your payment operations, and what you need to do to meet them. PCI DSS stands for Payment Card Industry Data Security Standard.
52 
Stax
NOVEMBER 14, 2024
And yet, accepting non-cash forms of payments is more or less required to operate a modern business, at least in the U.S. Credit, debit, and digital payments have far and away become the most popular payment method. Cash has dropped to less than 20% of all US payments in recent years. merchant’s) bank.
88 
Finextra
JULY 2, 2025
Home News Crypto MiniPay and Noah debut global-to-local stablecoin payments Editorial This content has been selected, created and edited by the Finextra editorial team based upon its relevance and interest to our community.
64 
Finextra
JULY 9, 2025
With APIs, ISO 20022 messaging, and global collaborations, real-time payments are transforming the way companies operate across borders. Waiting days or weeks for international payments to clear used to be the norm. But the rise of real-time payments (RTP) is changing that. That’s no longer the case.
Finextra
JUNE 11, 2025
In their place stands a more sophisticated and scalable payment conduit: the digital wallet. No longer just a fintech novelty, it is a cornerstone of the new digital economy—driving shifts in consumer behaviour, altering merchant ecosystems, and compelling banks and PSPs to rethink their roles. This is not an incremental change.
52 
The Fintech Times
APRIL 12, 2025
As traditional banking processes are replaced by more integrated financial solutions, companies across industries are embedding payment processing, lending, insurance, and investment services directly into their platforms. The need for traditional banks to digitise has never been more apparent.
Finextra
JUNE 13, 2025
In 2025, banking apps will deliver smarter, more secure, and integrated experiences. In 2025, banking apps will deliver smarter, more secure, and integrated experiences. Based on industry research and expert insights, here are five pivotal trends redefining mobile banking.
Stax
JANUARY 28, 2025
Completing online payments via manual card entry can be time-consuming and off-putting for customers. Research shows that 55% of customers will abandon their cart if they have to re-enter checkout information like credit card details, negatively affecting your business conversion rate. Learn More What is Click to Pay?
Finextra
JULY 8, 2025
China’s Cross-border Interbank Payment System (CIPS) is rapidly emerging as a central artery in the internationalization of the Renminbi (RMB), offering a robust infrastructure for cross-border settlements and reshaping how global institutions engage with China’s markets. What Is CIPS and Why Does It Matter?
Finextra
JULY 10, 2025
When a payment fails — due to fraud checks, technical issues, or user error — it can result in lost revenue and a frustrated customer who may not return. Why Payments Fail Payment failures happen for all sorts of reasons — some financial, some technical, others tied to fraud checks or customer behaviour.
52 
The Payments Association
JULY 11, 2025
Analysed: The future of point of sales (POS) systems 10 July 2025 by Payments Intelligence What is this article about? The strategic adoption of AI, IoT, mobile, and biometric tech to future-proof payments and retail operations. This transformation extends far beyond processing payments. Why is it important? What’s next?
Open Banking Excellence
JULY 8, 2025
Open banking in the United States is rapidly evolving, driven by both market initiatives and ongoing regulatory discussions. contrasts it with developments in Europe and the UK, and highlights key insights for the future of open banking in the country. Open banking in the U.S. has relied more on voluntary industry initiatives.
130 
The Payments Association
JUNE 16, 2025
Offline settlements with a digital pound: Lessons from the BoE’s report 16 June 2025 by Payments Intelligence LinkedIn Email X WhatsApp What is this article about? A Bank of England experiment proving that offline payments with a digital pound are technically feasible, but complex. Why is it important? What’s next?
88 
Finextra
JULY 21, 2025
Financial institutions that delay transformation risk regulatory non-compliance, competitive disadvantage, and operational inefficiencies that compound exponentially over time. Open banking mandates, real-time payment requirements, and evolving data privacy regulations require architectures built for adaptability, not just stability.
Finextra
JUNE 2, 2025
Location Joburg Followers 5 Opinions 22 Follow Unfollow Open Banking has moved from regulatory idea to industry reality, driving transformation by enabling secure, permissioned data sharing between financial institutions and third-party fintechs. The impact has been profound at a macro level.
52 
Finextra
JUNE 30, 2025
From virtual assistants to risk modeling and hyper-personalized customer experiences, banks are betting big on AI to transform operations, reduce costs, and redefine digital engagement. This global heatmap of AI in banking draws on fresh data, case studies, and market insights to uncover the evolving landscape of AI adoption.
69 
Finextra
JUNE 21, 2025
Born as a small merchant processor in the late 1990s, Shift4 has rapidly evolved into a global “ commerce technology ” player powering payments for over 200,000 businesses today. base, the company is positioning itself as a serious challenger to payment incumbents worldwide.
Finextra
JULY 7, 2025
The UK government recently outlined its National Payments Vision – plans for a next-generation payments ecosystem, built around open banking and emerging technology. Why Cabling and Connectivity Still Matter Ultra-low latency and high-speed connectivity are non-negotiable in fintech.
52 
Finextra
JULY 14, 2025
Banks turned to a powerful ally: artificial intelligence. AI didn’t just automate services—it began shaping intimate, context-aware journeys that feel less like banking and more like a personal concierge for your financial life. The result? A seismic shift from transactional to transformational.
71 
Finextra
JUNE 30, 2025
Central banks across 66 countries are now in the advanced phases of exploring Central Bank Digital Currencies (CBDCs), with 44 pilots including the digital euro already underway. Digital currencies can be issued by central banks (aka. CBDCs), commercial banks (aka. tokenised deposits and stablecoins) or non-banks (aka.
Finextra
JULY 1, 2025
The European Central Bank’s (ECB) recent guidelines on intraday liquidity risk management are a response to this shift. The European Central Bank’s (ECB) recent guidelines on intraday liquidity risk management are a response to this shift. The ECB’s latest guidance draws a direct line from those events to today.
52 
The Fintech Times
MAY 28, 2025
From AI-driven compliance to the realities of scaling in the cloud, Temenos shares insights into whats influencing payments strategy in 2025, and where banks are still hitting resistance. Innovation in payments Innovation, Fennell says, is often about accelerating growth. All of that is part of innovating in the payment space.
45 
Finextra
JULY 15, 2025
Standard Chartered launches bitcoin spot trading Standard Chartered has become the first global systemically important bank to offer digital asset spot trading to institutional clients. The offering includes spot trading for Bitcoin (XBT/USD) and Ether (XET/USD) through the banks UK branch and will soon add non-deliverable forwards trading.
64 
The Paypers
JUNE 25, 2025
This integration allows banks, fintech companies, and merchants worldwide to access an improved, scalable, and secure payment platform. The platform is built with RS2’s API and cloud-native architecture, which is integrated with Visa’s services, knowledge base, and global network.
Finextra
JULY 9, 2025
still use non-secure or manual record-keeping methods, leaving their estates fragmented and difficult to verify As a result, institutions are inheriting not just assets, but also the compliance and operational chaos that comes with them. Beyond Wills: The Infrastructure Gap The information asymmetry is at the heart of the wealth transfer.
52 
Finextra
JUNE 19, 2025
Acin’s AI-based platform enables financial institutions to safely digitise their non-financial risk analysis, using data intelligence and analytic capabilities. The firm has built a network that calibrates control data and facilitates the appropriate sharing of best practice and standards between financial institutions.
59 
Finextra
JULY 16, 2025
Citigroup CEO Jane Fraser told analysts in a post-earnings conference call that the bank was looking to issue its own stablecoin as well as providing custody for tokenised deposits. Meanwhile JP Morgan chief Jamie Dimon told analysts that the bank planned to be more involved in stablecoin, albeit somewhat reluctantly.
64 
Finextra
JUNE 7, 2025
" The pressure to integrate AI solutions is becoming intense, and organizations that have missed early adoption windows are increasingly turning to external vendors for quick fixes. Regulatory Penalties : Non-compliant AI systems increasingly face steep regulatory penalties. The average cost of a data breach reached $4.45
52 
Finextra
JULY 7, 2025
This includes implementing strict non-disclosure agreements (NDAs) and protecting the intellectual property rights associated with the AI models and the underlying data. Integration Challenges: A Complex Undertaking: Integrating data from multiple sources can be incredibly complex and time-consuming.
59 
Finextra
JULY 4, 2025
Enabling banks and credit providers to automate large parts of their workflows, the MOGOPLUS agentic credit decisioning suite dramatically lowers loan origination costs, and facilitates quicker, more accurate lending decisions. A further funding round to accelerate this growth is also now being structured.
52 
Finextra
JULY 11, 2025
re:cap’s Capital OS combines access to non-dilutive capital with financial planning tools that help management teams deploy it with precision. While prototyping financial tools, they saw an opportunity to integrate capital access with real-time analysis. Out of that insight, re:cap was born.
Finextra
JUNE 10, 2025
The new role has been created to reflect the FCA’s expanding remit, with the integration of the Payment Systems Regulator, regulation of stablecoin and crypto firms as well as buy now pay later activities. It expresses the views and opinions of the author. It expresses the views and opinions of the author.
PYMNTS
SEPTEMBER 13, 2017
New payment and financial technologies are quickly emerging from the FinTech community, all with the promise of expediting payments and reducing the distance between cross-border trading partners. The fear of non-payment, in particular, tends to be the smaller merchants’ worst nightmare.
76 
The Fintech Times
SEPTEMBER 14, 2024
With a strong foundation in semiconductors and information technology, alongside government initiatives and a developing fintech ecosystem, Taiwan is steadily integrating digital innovation into its financial services. Significant payments companies in the region include Taiwan Pay , Line Pay and JKoPay.
119 
Stax
AUGUST 20, 2024
Airline credit cards, payment plans for costly items, and car rental insurance are forms of embedded finance that have been around for a while. Request Quote Understanding Embedded Finance Embedded finance is the seamless integration of financial services and digital banking into conventionally non-financial business services.
Stax
SEPTEMBER 17, 2024
A payment gateway is a must-have for online stores. In fact, research from 2023 shows that 69% of Americans said they’ve used a digital payment method in the past 3 months when making a purchase. And the best way for online businesses to start accepting payments is with a payment gateway.
Stax
SEPTEMBER 12, 2024
Cash is no longer having its moment; card payments are in. From debit and credit cards to Google or Apple Pay, digital, contactless, and mobile payments are on the rise. But if you’re stuck, worry not: in this article, we’ll help you find the best payment terminal for your business. Learn More What’s a Payment Terminal?
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