payments

The 20-year Legal Battle Over Credit Card Fees Is Over — and for Once, Everyone’s a Winner

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Legal battle over credit card swipe fees ends after 20 years, resulting in reduced fees that benefit merchants and consumers. Visa and Mastercard will lower fees and maintain stability for years, promoting competition and innovation in the payment system while ensuring consumers retain credit card rewards and protections. The settlement provides clarity and confidence for financial systems, demonstrating effective public policy balance.

https://thehill.com/opinion/finance/5602073-visa-mastercard-swipe-fees/

How Payment Threat Intelligence Helps Banks Fight Fraud Faster

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Payment fraud is evolving, with criminals using AI and automation to enhance attacks rapidly. Effective fraud prevention relies on timely payment threat intelligence, allowing teams to detect early signs of fraud, improve collaboration between cybersecurity and fraud divisions, and proactively mitigate risks. As threats become more sophisticated—employing techniques like infostealers and deepfakes—integrated intelligence systems can equip banks to respond quickly, reducing potential losses from attacks by sharing vital, real-time insights about fraudulent activities.

https://www.mastercard.com/us/en/news-and-trends/Insights/2025/how-payment-threat-intelligence-helps-banks-fight-fraud-faster.html

Top 10 Countries That Have Payment Card Info Spilled Onto the Dark Web in 2025

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Top 10 countries with card info on dark web in 2025: US (30,000+ cards), Singapore (5,400+), Spain (5,090+), UK (1,804+), Kuwait (1,518), France (722), Ireland (589), Canada (442), Germany (408), Cyprus (326). Stolen cards trading at low prices due to high supply and low-quality data. Most stolen details remain valid for 12-16 months, making them risky for consumers. Key security measures: monitor statements, use strong passwords, disable browser password saving, enable multi-factor authentication.

https://www.cybersecurity-insiders.com/top-10-countries-that-have-payment-card-info-spilled-onto-the-dark-web-in-2025/

How Agentic AI Could Turbocharge Fraud

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Agentic AI could revolutionize online shopping but poses significant fraud risks. Payments professionals at Money 20/20 expressed concerns that criminals might exploit AI to execute scams more effectively. Programs like FraudGPT, available for subscription, could escalate fraud incidents by automating scams and creating synthetic identities. Executives highlighted challenges in verifying AI-driven transactions and the need for robust authentication processes to combat fraud as agentic AI technology becomes prevalent.

https://www.paymentsdive.com/news/how-agentic-ai-could-turbocharge-fraud-payments/804562/

Carding and How Businesses Can Prevent It

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  • Carding Definition: Carding refers to the illegal use and sale of stolen credit card data, which enables unauthorized purchases and facilitates identity theft.
  • Theft & Fraud Tactics: Common methods include phishing, hacking, skimming, and bot-based attacks; dark web markets play a central role.
  • Business Defenses: Effective prevention uses AI fraud detection, encryption, transaction monitoring, and customer alerts.
  • Business & Customer Impact: Carding results in financial losses, reputational damage, increased costs, and emotional distress for victims.
  • Tools & Trends: Advancements in fraud and security address evolving tactics with AI and industry best practices.

https://stripe.com/en-fi/resources/more/what-is-carding-how-this-type-of-fraud-works-and-how-businesses-can-prevent-it

The Global Payments Ecosystem: Updates From PCI

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PCI Security Standards Council's new Regional Director for Europe, Úna Dillon, aims to enhance payment security through collaboration and education. She draws on her previous MRC experience to address regional challenges and advocate for PCI standards. The Council focuses on developing security standards while working with various stakeholders, and emphasizes the ongoing compliance and enforcement process involving card brands and acquiring banks. Future efforts will prioritize data protection, emerging payment technologies, and stakeholder engagement across Europe.

https://thepaypers.com/payments/interviews/protecting-the-global-payments-ecosystem-updates-from-pci-security-standards-council

When Customers Call, Costs Climb: Why Self-service Starts With Better Payment Experiences

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Poor payment experiences drive customers to call support, increasing operational costs. Inefficient payment systems, clunky logins, limited options, and poor design contribute to frustration. Each agent-assisted call can cost significantly more than self-service transactions. Businesses need to improve payment experiences by addressing barriers, offering flexible options, and enhancing design for better user interaction. This shift can improve customer satisfaction, accelerate cash flow, and lower costs, ultimately boosting profitability. Investing in Payment Experience Management is crucial for long-term success.

https://www.paymentsdive.com/spons/when-customers-call-costs-climb-why-self-service-starts-with-better-payme/761138/

Payment App Development: Complete Guide to Build Secure Apps 2025

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Appinventiv showcases its impact with over 3000 digital deliveries across 35+ industries. The company offers a comprehensive range of AI solutions, app development services, and digital transformation offerings. Key highlights include security measures for payment app development, diverse monetization models, and the significance of user experience. Appinventiv emphasizes the importance of compliance, security, and technology in creating successful payment apps amidst growing mobile payment trends. The text encourages businesses to recognize the immense opportunities in the digital payment landscape and provides insights into effective strategies for entering this market.

https://appinventiv.com/blog/payment-app-development-guide/

Credit Card Processing Fees: What You Need To Know (2025)

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Credit Card Processing Fees Overview:

Businesses incur credit card processing fees for transactions, primarily consisting of interchange fees (1%-3%), assessment fees (0.15%-0.25%), and processor markup fees. Average fees range from 1.70%-2.5% of the transaction amount. To minimize costs, businesses can choose appropriate pricing models, reduce chargebacks, negotiate fees, or encourage lower-cost payment methods. Key processors include Shopify Payments, PayPal, and Square, each with distinct pricing structures and additional costs. Understanding hidden fees and reading processing statements helps ensure cost efficiency for retail operations.

https://www.shopify.com/za/blog/credit-card-processing-fees

Visa and Mastercard: The Global Payment Duopoly

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Visa and Mastercard dominate global payment processing, holding 90% market share outside China and a combined value of $850 billion. Their dominance stems from historical foundations, strategic advantages, and network effects, despite facing challenges from companies like Amazon and national processors like India's RuPay. The duo's strong position results from restrictive practices and significant investments, which hinder competition. However, rising fintech and regulatory pressures may disrupt their duopoly, impacting future payment processing dynamics.

https://quartr.com/insights/edge/visa-and-mastercard-the-global-payment-duopoly

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