Industry

Sibos/Swift: How is AI Making Transaction Anomaly Detection Smarter? (Session Video)

Sibos

Hear about smart transaction monitoring using AI for payment anomalies.

Industry

Nine European Banks to Launch Joint Euro Stablecoin in 2026

Ledger Insights

"Today nine European banks from eight countries unveiled plans for a joint euro stablecoin to be issued in the second half of 2026. The banks are Banca Sella, CaixaBank, Danske Bank, DekaBank, ING, KBC, Raiffeisen Bank International, SEB and UniCredit. The consortium has set up a company in the Netherlands and will apply for a MiCAR license with the Dutch Central Bank. While there are nine banks so far, they are open to other banks joining."

Industry

The Future of Dental Payments Starts Now: Curve Dental Launches Curve Pay

PR Newswire

"Curve Dental®, the leading provider of all-in-one, cloud-based dental practice management software, today unveiled Curve Pay, a breakthrough in dental payments that redefines how practices get paid. With Curve Pay, every payment — in office, online, or on the go — is processed directly inside the Curve platform, eliminating outdated processors, hidden costs, and reconciliation headaches once and for all."

Industry

Over 21 Years, a Massive Drop in B2B Check Payments, Study Finds

Nacha

"Business-to-business check payments have plummeted over the past two decades, new research shows. In 2004, 81% of B2B payments involved paper checks, according to that year’s Association for Financial Professionals Digital Payments Survey. Fast forward to the 2025 edition and that number is down to 26%, a new low. Nacha reported that from 2015 to 2024, overall B2B volume soared 155%, from 2.9 billion payments to 7.4 billion payments. The value of those payments climbed 105% from $28.3 trillion to $58.2 trillion. Same Day ACH has also seen tremendous growth since its 2016 inception."

Industry

The Risks from Allowing Stablecoins to Pay Interest

Bank Policy Institute

"Stablecoins are digital assets designed to maintain a stable value, primarily pegged to the U.S. dollar. The recently passed GENIUS Act, prohibits stablecoin issuers from paying interest. There are at least two broad reasons to be concerned about potential rapid growth in stablecoins. First, if backed by government securities, stablecoins would reduce demand for bank deposits and thus the supply of bank credit .... "

Industry

Are ATMs Still a Profitable Business?

ATM Marketplace

"If you've ever wondered whether ATM machines are profitable, the short answer is yes, often far more than most business owners expect. ATMs are reliable profit engines that can increase foot traffic, enhance the customer experience and deliver steady, predictable income. ATM owners earn money primarily through surcharge fees, interchange fees, dynamic currency conversion (DCC), and credit card surcharge."

Industry

2025 AFP Digital Payments Survey

Financial Professionals

"Results from the 2025 AFP® Digital Payments Survey: A Triennial Publication indicate organizations are increasingly adopting emerging digital payment technologies. Approximately 30% of organizations report being familiar with cryptocurrencies, blockchain technology, stablecoins or the role of central bank digital currencies within emerging digital payments, indicating there is a significant opportunity to increase awareness in the profession."

Industry

Decoding Digital Money

ABA Banking Journal

"We are entering a new era of financial innovation driven by tokenization. Tokenized money market funds, tokenized real estate and tokenization of real-world assets are rapidly gaining attention. And now there is talk about tokenized deposits. Since President Trump signed the Genius Act into law, several large banks have announced their plans to issue payment stablecoins (hereafter referred to as stablecoins) and to tokenize deposits. But are these two digital assets the same? What are their key differences and similarities? What do they mean for customers and banks?"

Industry

CharIN and EMVCo Launch Special Project to Advance Payment Solutions for EV Charging

EMVCo

"CharIN e.V. and EMVCo have announced a joint initiative to promote secure and interoperable payment solutions for electric vehicle (EV) charging. The project focuses on aligning EMV®-based open payments with ISO 15118 Plug & Charge systems, enabling a seamless and secure payment experience across the global EV charging ecosystem."

Industry

Introducing the Agentic Commerce Consortium: A Collaborative Initiative

Basis Theory

"Introducing the Agentic Commerce Consortium: By forming the Agentic Commerce Consortium, and with the release of our inaugural whitepaper Empowering Merchant-Controlled AI Commerce: An Open Agentic Commerce Whitepaper, we [Basis Theory] are documenting a path forward to give merchants the ability to opt-into agentic commerce in a secure, controlled manner (versus just sitting back and getting scraped) while simultaneously pushing the industry forward with the realities of architectural constraints that exist in the way the internet functions today."

Industry

New Law Extends Ban on Card Surcharges to Foreign and Commercial Cards by 2026 [New Zealand]

Devdiscourse

"The Government has taken another major step toward eliminating hidden payment charges for consumers and easing compliance burdens for businesses. Commerce and Consumer Affairs Minister Scott Simpson announced that the Retail Payment System (Ban on Merchant Surcharges) Amendment Bill has passed its first reading in Parliament, expanding the current ban on surcharges to cover foreign-issued cards and commercial cards."

Industry

JPMorgan Says Circle Faces ‘Intense’ Competition From Tether, Hyperliquid and Fintech Rivals

The Block

"Circle, the issuer of the stablecoin, faces “intense” competition as Tether, Hyperliquid, and several fintech companies prepare new stablecoin launches, according to JPMorgan analysts. Still, they cautioned that the stablecoin landscape may end up as more of a “zero-sum game” for U.S. issuers unless the crypto market expands significantly."

Industry

Cash Discounting vs. Surcharging: The Case for Optimized Surcharging

CBT News

"Most auto dealerships operate on razor-thin profit margins while juggling rising costs for inventory and labor. Adding to these financial pressures, credit card processing fees, typically ranging from 1.5% to 3.5% per transaction, can quickly erode profitability, especially on high-ticket purchases like vehicle down payments and major service appointments. Surcharging and cash discounting offer two distinct approaches: pass credit card processing fees to customers who pay with credit, or incentivize cash payments with discounted pricing."

Industry

Fighting Fraud Together: Early Warning Services, the Company Behind Zelle® and Paze℠, Responds To OCC, Fed, and FDIC RFI

PR Newswire

"Early Warning Services, LLC, submitted a comment letter yesterday responding to the Office of the Comptroller of the Currency (OCC), Federal Reserve Board, and Federal Deposit Insurance Corporation (FDIC) Request for Information regarding potential actions to address payments fraud. In its submission, Early Warning lays out five essential pillars to address this problem: establish a cross-sector task force; standardize information sharing; enhance sector-wide engagement and best practices; increase law enforcement coordination; continue investing in and scaling consumer education initiatives."

Industry

New York Banking Regulator Required to Adopt Blockchain Analytics for Risk Management

Coinspeaker

"The New York State Department of Financial Services (NYDFS) has directed banking organizations under its supervision to implement blockchain analytics tools as part of their compliance frameworks, marking the regulator’s latest step to strengthen oversight of cryptocurrency activities."

Industry

Visa’s VAMP Could Cost Banks and Merchants

Practical Ecommerce

"Visa’s new fraud monitoring framework gets its teeth on October 1, 2025, when merchants’ acquiring banks are held to a new chargeback and fraud standard and a new fee structure. Visa granted acquiring banks and, indirectly, merchants six months to prepare for VAMP ratio enforcement and its potential fees. The “advisory” period ends September 30, 2025, and some acquirers could incur a $10 fee (or more) per chargeback. VAMP enforcement, however, rolls out in phases through 2026."

Industry

Branch Launches "Branch Embedded" to Power Fast, Flexible Worker Payments Directly Within Platforms

PR Newswire

"Branch, the leading workforce payments platform, announced the launch of Branch Embedded, a solution that allows businesses to seamlessly integrate fast payment options directly into their existing applications and platforms. By adopting Branch Embedded, businesses can accelerate their time-to-market, reduce engineering overhead, and unlock revenue streams without the complexity of building payments infrastructure from scratch."

Industry

Deadline: Request for Information (RFI) on Addressing Payments Fraud

Atlanta Federal Reserve

"The public comment period will close on Thursday, September 18, 2025. The Office of the Comptroller of the Currency (OCC), Treasury; the Board of Governors of the Federal Reserve System (Board); and the Federal Deposit Insurance Corporation (FDIC) seek public input on questions related to payments fraud."

Industry

Personetics Launches MCP Server — Enabling Banks to Develop Agentic AI Applications Using Customer Financial Intelligence Data

Financial IT

"Personetics announced the launch of Personetics MCP Server, which enables banks to develop and deploy Agentic AI applications leveraging Personetics’ sophisticated financial models and actionable insights. With the MCP (Model Context Protocol) Server, banks gain direct access to Personetics’ capabilities—including financial behavior analysis, predictive analytics, and contextual engagement frameworks."

Industry

Payment Card Processing Trends: Merchant Surcharging to Offset Interchange Costs

Reuters

"US merchants are cautiously optimistic that a federal district court's decision in Corner Post, Inc. v. Bd. of Governors of Fed. Rsrv. Sys., No. 1:21-CV-00095, 2025 WL 2253474, (D.N.D. Aug. 6, 2025) will pave the way for lower debit card interchange costs. The court concluded that the Federal Reserve exceeded its authority under Regulation II (15 C.F.R §§ 235.1-235.10) by allowing additional costs to be included as part of the calculation for debit card interchange, which is the fee that a bank charges for its costs associated with processing a debit card transaction."

Industry

Alibaba Partners with Slope to Deliver Flexible Payment Options for U.S. Business Buyers at Checkout

Business Wire

Slope, the AI-powered credit and risk infrastructure provider, announced their partnership with Alibaba on “Pay Later for Business,” an embedded financing solution enabling U.S. business buyers to conveniently manage payments and cash flow directly at checkout. Slope’s real-time underwriting technology assesses business buyers based on live transaction and financial data, delivering rapid credit decisions while enhancing accessibility to capital for a broad range of businesses.

Industry

Taco Bell on Layaway? Doordash Introduces Installment Payment Options

MSN

"You can now buy Taco Bell and more on layaway, thanks to DoorDash’s latest partnership. The San Francisco-based food delivery service announced Thursday that it is teaming up with Klarna, the Swedish buy-now, pay-later company. The collaboration will allow DoorDash users to pay for their orders in several flexible ways. Customers can choose to pay in full at checkout, split payments into four equal interest-free installments, or delay payments to a date that works with their payday schedule."

Industry

Transforming Payments: Paytently and Mastercard Unveil New Open Banking Solution

Open Banking Expo

"Paytently, the specialist payments orchestration platform, has launched Paytently Open Banking powered by Mastercard Open Finance, an account-to-account payment option at checkout that lets customers pay directly from their bank and helps merchants increase conversion rates and improve cash flow."

Industry

Virtual Card Market on Track to Triple By 2030: Here’s What It Means for Global Travel Commerce

Hotel News Resource

"The financial systems that underpin travel and hospitality have always been intricate. Over the past few years, digital payment innovations have emerged to address challenges, and one in particular is now gaining critical momentum: the virtual credit card (VCC). This design offers two important advantages. First, it sharply limits the potential for fraud. Second, it enables transaction-level control."

Industry

Paychex Introduces New Financial Management Solution Powered by BILL to Simplify Payroll and Payments for SMBs

Business Wire

"Paychex, Inc. announced a new financial management solution for accounts payable provided by BILL, a financial operations platform for small and midsize businesses (SMBs). Launching through Paychex Flex®, Bill Pay, Powered by BILL, integrates payroll, HR, and accounts payable and empowers SMBs to manage their people and payments in one seamless experience."

Industry

PCI Council Eyes Wider Data Protection Role Beyond Payments

Computer Weekly

"The Payment Card Industry Security Standards Council (PCI SSC), the body responsible for payment card security standards, is looking to extend its data security standard to protect a wider range of corporate and personal data beyond credit card numbers. In an interview with Computer Weekly, Yew Kuann Cheng, regional vice-president for the PCI SSC, said the organisation is considering feedback from its stakeholders who have called for the Payment Card Industry Data Security Standard (PCI DSS) to be applied to other kinds of data."

Industry

Paysecure Boost Transparency and Control with Customisable Surcharge Fee Solution

Gambling Insider

"Paysecure, leading payment orchestration platform in iGaming, roll-out customisable surcharge fee solution, built to enhance their dynamic cashier functionality. With this enhanced functionality at Paysecure, operators can define fees according to card details (e.g., credit vs. debit), location, market, currency, payment method, customer segment and more."

Industry

Consumer Protection Has a Robust New Champion — and the Banking Sector Isn’t Ready

Insider Monkey

"New York Attorney General Letitia James has made consumer protection a defining priority of her tenure. Her latest salvo is a lawsuit filed on August 13 against Early Warning Services, a company run by a group of the largest banks in the United States–including Bank of America, JP Morgan Chase Bank, and Wells Fargo–that is the parent company of electronic payments platform Zelle. According to the lawsuit brought by the State of New York, the banks making up Early Warning Services rushed to develop Zelle as an alternative to popular payment platforms like Venmo and Paypal–with potentially devastating consequences."

Industry

Another Risk From Agentic AI Payments - First-Party Fraud [Video]

BankInfoSecurity

"The rise of agentic commerce is forcing the financial sector to reconsider traditional fraud controls. While automated transactions may follow all technical authorizations, agentic AI tools still lack an understanding of user intent. That disconnect could lead to a surge in first-party fraud, warned Cleber Martins, head of payments intelligence and risk solutions at ACI Worldwide."

Industry

America’s Banks Will Continue to Consolidate

Banking Exchange

"The number of banks has gone down 50% in the last 20 years, but it still has a long way to go before it is similar in nature to other countries. Larger banks will continue to scoop up regional banks. In contrast, Canada has fewer than 80 banks in total and yet is considered one of the more stable systems in the world, with the banking sector considered fully prepared for an economic downturn."