My Payment Savvy

JUNE 16, 2025

Data is Encrypted & Tokenized Immediately after submission, the payment gateway encrypts the card data and replaces it with a token—a random, one-time-use ID. This tokenization keeps the sensitive card information off your servers, reducing the risk of a data breach and easing PCI DSS compliance. Most payment gateways promise 99.9%

Payment Gateways 52

Payment Gateways Gateways Online and Mobile Banking PCI DSS 52

The Fintech Times

JUNE 22, 2025

Banks looking to detect and resolve payment issues before they impact customers will benefit from the Vyntra launch, as the firm will ensure compliance and reduce exposure. Those looking to safeguard instant payment networks will also benefit from the company’s launch, knowing that day-to-day business will not be slowed down.

Compliance 40

Compliance Financial Crimes Crime AML 40

Finextra

JUNE 10, 2025

A single DBT value can hide significant risks if not viewed in a historical context. Reports that rely solely on static financial filings or outdated information miss critical changes in payment behaviors. With better visibility into payment behaviors, businesses can shift from reacting to problems to actively managing financial risk.

Due Diligence 52

Due Diligence Authorization Risk Research 52

PYMNTS

AUGUST 21, 2020

The GetMyBoat platform then integrated payments functionality, allowing owners and renters anywhere in the world to transact securely — often updating cross-border payments issues that have been a bane of the modern boat-renting world. But whether at sea or just cruising on a lake, boating has risks beside payments.

Cross-Border Payments 126

Cross-Border Payments Cross-Border Wire Transfer On-Demand 126

PYMNTS

MAY 4, 2020

percent of younger consumers had poor credit from past payment issues, while 18.8 BNPL services bypass both problems, as they do not require credit checks and will not affect credit scores as long as payments are made on time.”. A study of consumers ages 22 to 30 showed that 20.3

BNPL 89

BNPL Credit Cards Debit Card Consumer 89

The Fintech Times

MARCH 20, 2024

While the companies involved have attributed the problems to technical issues, there’s also speculation about potential cybersecurity attacks. “This has fuelled various conspiracy theories on social media, highlighting concerns about the risks associated with a cashless society.

Contactless Payments 115

Contactless Payments Push-to-Card Payments Online and Mobile Banking 115

PYMNTS

OCTOBER 18, 2020

Stellar CEO Denelle Dixon will be part of a new four-person panel on the private sector’s role in addressing cross-border payment issues at the International Money Fund (IMF)’s annual meeting on Monday (Oct. The existing financial system is fragmented, antiquated, and exclusionary — leaving 1.7B

Cross-Border Payments 76

Cross-Border Payments Cross-Border Financial Inclusion Blockchain 76

The Fintech Times

JUNE 9, 2024

As much as 40 per cent of payment leaders report losing business due to cross-border payment issues, according to a new study by Thunes , a global money movement firm, and Visa , the digital payments giant.

Cross-Border Payments 64

Cross-Border Payments Cross-Border Interoperability Fraud Detection 64

Paystand

NOVEMBER 21, 2024

Table of Contents What is an issuing bank? How do I find my issuing bank? What types of risks do issuing banks have? How do issuing banks operate within the payment cycle? How does the payment cycle work for customers who use credit cards?

Debit Transaction 40

Debit Transaction Debit Card Credit Risk Mitigation 40

EBizCharge

NOVEMBER 27, 2024

The approval or decline is then sent back through the payment gateway to the online merchant, alerting them to complete the order or notify the customer of payment issues. Here’s a quick breakdown of how the process works: Transaction initiation: Customers enter their payment details at checkout.

Accounts 52

Accounts Payment Gateways Gateways Payment APIs and Integration 52

PYMNTS

OCTOBER 17, 2016

Analytics, similarly, support cost savings and minimize risks for corporate clients, the report added. The continuing reliance on manual processes also plagues the remittance notices and payment issue resolution processes, the report added.

Technology 76

Technology Remote Deposit Capture Small Business Automation 76

PYMNTS

OCTOBER 9, 2019

Should customers’ recurring payments fail, due to credit cards expiring or other issues, this could produce involuntary churn in which otherwise willing customers are accidentally dropped. Merchants are working to revise approaches to reduce the risks of their payment methods leading to involuntary churn.

B2C 56

B2C Credit Cards Cross-Border Push-to-Card 56

PYMNTS

AUGUST 23, 2017

Business intelligence company CubeLogic has announced its support for Trade Credit Insurance as part of an overall risk mitigation strategy. ” The company noted while it supported the use of Trade Credit Insurance, the tool should not be used as a replacement for broad risk mitigation strategies.

Risk Mitigation 40

Risk Mitigation Mitigation Risk Risk Management 40

Faster Payments Council

AUGUST 23, 2024

Speakers: Cathy Lesser Mansfield, National Consumer Law Center; Carla Sanchez-Adams, National Consumer Law Center 10:30am-10:40amMT: Networking Break (Capitol Foyer) 10:40am-11:20amMT: Concurrent Breakout Session – Embracing AI in Payments: What's Next?

FPC 128

FPC ISO 20022 Federal Reserve Instant Payments 128

PYMNTS

SEPTEMBER 14, 2018

Further, the Solna platform will bridge SMBs to financial services they can use to further address late payment issues based on their individual needs, and pre-approving them for financing from third parties. Solna said its invoicing and risk management services will expand outside the U.K. later this year.

Small Business 46

Small Business Payments Addressing Risk Management 46

The Fintech Times

OCTOBER 11, 2024

If a safeguarding bank failed, as seen during 2023’s banking crisis, these firms would face significant risk. This lack of transparency not only hampers immediate operations but also complicates future planning and risk management.

Accounts 52

Accounts Cross-Border Payments Cross-Border Reconciliation 52

PYMNTS

AUGUST 12, 2019

The latest Subscription Commerce Tracker explores how subscription-based businesses are adapting to an ever-changing market, and how they keep their payments experience secure and how new models are emerging to stay competitive. With subscriptions, credit card data is often stored for convenience and ease of payment.

Credit Cards 47

Credit Cards Risk Assessment Data Breach Payment Issues 47

EBizCharge

APRIL 22, 2025

Thanks to this enhanced reporting and insights, Salesforce users can generate dashboards that track payment trends, forecast revenue, or identify at-risk accounts, supporting better decision-making across departments. Diverse payment options Nowadays, there are various payment methods available to meet diverse consumer preferences.

Payment APIs and Integration 52

Payment APIs and Integration Payment Gateways Gateways Payments 52

FICO

OCTOBER 4, 2021

It would be prudent to validate if the risk distribution of customers has shifted towards the high risk especially following the survey findings of the 2021 PwC Employee Financial Wellness Survey. . The post pandemic customer landscape is potentially shifting across risk distributions within the delinquent portfolio.

Facilitators 52

Facilitators Risk Direct Deposit Deposit Account 52

PYMNTS

SEPTEMBER 12, 2017

Designing a solution specific to B2B payments means taking into accounts receivable risks like non-payment. Whereas a supplier would have to ensure due diligence in extending payment terms to corporate clients, Noble explained that Apruve does that for them. “We Loss risk is always part of the equation.”.

Payment APIs and Integration 46

Payment APIs and Integration B2B Due Diligence Payments 46

Trade Credit & Liquidity Management

APRIL 16, 2025

Additionally, sales representatives who engage in collection activities gain a deeper understanding of the financial risks involved in selling to customers who do not pay. Sales Teams are able to proactively manage future Credit Risks.

Disputes 52

Disputes Credit Risk Participant Process 52

The Fintech Times

APRIL 28, 2024

The Visa Creator Commerce Study found 90 per cent of creators have experienced issues when getting paid presenting a significant opportunity for innovative financial products that solve the payment issue. According to Accelerated Payments and inflverse, creators are the SMEs of the future.

Underserved 59

Underserved Economy Payments Addressing 59

Fintech Finance

APRIL 23, 2024

The Visa Creator Commerce Study found 90% of creators have experienced issues when getting paid presenting a significant opportunity for innovative financial products that solve the payment issue.

Economy 59

Economy Payments Underserved Addressing 59

PYMNTS

AUGUST 21, 2018

The risks for buyers and suppliers when doing business with each other are vast. Both sides must consider Anti-Money Laundering (AML) compliance and other regulatory risks in their business relationships, too. “Long-term, you risk entering into a relationship that may not be the best fit for both parties.”

Bots 40

Bots Risk Mitigation Risk Mitigation 40

The Fintech Times

MAY 2, 2024

Financial processes were shown to be a key area for automation, with 59 per cent of businesses having automated receiving payments, issuing payments (52 per cent) and generating invoices (57 per cent). However, 39 per cent felt that some job roles were at risk of being made redundant due to automation.

Automation 59

Automation AI Regulatory Compliance Rules 59

Nanonets

MAY 23, 2025

It can generate invoices from conversations and documents, alert you about payment issues, and recommend steps to improve your financial operations. Proactive cash flow management: The system analyzes your financial patterns to predict potential cash flow issues before they occur.

Automation 52

Automation AI Duplicate Process 52

Stax

APRIL 18, 2024

Merchant: The business or entity selling goods or services and accepting credit card payments. Acquiring Bank (Merchant Bank): The financial institution that establishes and maintains the merchant’s account, enabling them to accept credit card payments. which then routes it to the cardholder’s issuing bank.

Credit Cards 88

Credit Cards Process Online and Mobile Banking Processors 88

EBizCharge

APRIL 24, 2025

From generating quotes and creating invoices to collecting payments and updating records, every step is handled with ease to reduce manual entry, eliminate delays, and minimize the risk of errors for faster deal closures and better operational efficiency.

Payment Gateways 52

Payment Gateways Gateways Payment APIs and Integration Payments 52

PYMNTS

NOVEMBER 29, 2016

His expertise covers a wide range of legal, legislative and regulatory issues associated with the areas of consumer financial services. He is the CBA lead for deposits and payment issues as well as small business banking issues and manages CBA’s Deposits and Payments and Small Business Banking Committees.

Non-Bank 57

Non-Bank Small Business Regulations Innovation 57

Fintech Review

NOVEMBER 13, 2023

High street banks often shift their risk appetite abruptly, quickly offboarding gaming companies. XDA aims to address this issue by providing a stable, single platform catering to both crypto and fiat transactions for these companies. What are the payment issues that the gaming industry is facing?

Payments 52

Payments Cryptocurrency Cross-Border Payments On-Demand 52

PYMNTS

OCTOBER 1, 2019

EMV seems to be that payments issue that just won’t go away, but not in the U.S., where at least one vital and robust sector of commerce has yet to adopt the global security standard en masse. We are talking about gas stations and convenience stores, with their EMV liability shift pushed back to Oct.

EMV 67

EMV Innovation Point-of-Sale (POS) Push-to-Card 67

PYMNTS

APRIL 7, 2017

Reports Thursday (April 6) said the regulation requires large companies and LLPs to make public information about their B2B payment practices. The legislation also makes noncompliance a criminal offense, with businesses and their directors at risk for a fine if they don’t publish the information.

Rules 40

Rules Payments Facilitators Regulations 40

PYMNTS

APRIL 4, 2019

They have also struggled to manage the friction and security risk of providing sensitive information, like Social Security numbers and bank data, to their vendor via fax or email in order to secure that capital — another process that can damage the buyer-supplier relationship.

Finance 56

Finance B2B Social Security Security 56

PYMNTS

APRIL 2, 2020

While she added that more SMBs are interested in adopting digital payment methods in an effort to present their customers with more choice, they continue to struggle to overcome the pain points of managing multiple payment rails in a card-not-present environment, and the security risks it presents.

Small Business 64

Small Business Payments B2B On-Demand 64

Nanonets

SEPTEMBER 22, 2023

One of the key challenges businesses face in managing the accounts receivable cycle is the risk of late or non-payment by customers. It is crucial to collect these outstanding payments as soon as possible to avoid tying up working capital and facing longer business cycles.

Accounts 40

Accounts Disputes Automation Risk 40

Nanonets

APRIL 3, 2024

By reconciling invoices and payments promptly, businesses can avoid overpaying or missing payments, thereby maintaining healthy cash flow levels. By promptly addressing discrepancies and resolving payment issues, businesses demonstrate reliability and professionalism.

Reconciliation 52

Reconciliation Process Accounts Duplicate 52

PYMNTS

AUGUST 20, 2018

Risk skewed toward smaller companies, as those with turnover/sales of less than £1 million ($1,274,285 USD) claimed that invoices were being paid more than a month late, to the tune of 26 percent of firms. Another 25 percent said they had risks of bad debt tied to payments that were late. New Zealand Eyes Late Payments, Too.

Payments 41

Payments Small Business Economy Risk 41