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£85,000Maximum mandatory reimbursement per APP scam claim under the UK regime from October 2024

Who Pays When the Customer Pressed Send? APP Fraud Reimbursement and the New Scam Defence

The UK's mandatory reimbursement regime moved the cost of authorized push payment scams onto payment firms. Other markets are watching, and fraud teams everywhere are rethinking what prevention means.

Priya Castellanos · 9 Sept 2026

July 2025US GENIUS Act signed into law, creating a federal framework for payment stablecoins

Blockchain & Crypto

Stablecoins in Cross-Border B2B Settlement: Beyond the Hype, Into the Treasury

New regulatory frameworks in the US, EU and Hong Kong have turned fiat-backed stablecoins from a crypto-market plumbing tool into a candidate for mainstream business payments. The hard questions are now operational.

Dev Halloran · 22 Jul 2026

3Questions every agent-initiated payment must answer: who authorized it, within what limits, and who is liable

E/M-Commerce

Agentic Commerce: When the Customer at Checkout Is an AI Agent

AI agents that search, compare and buy on a person's behalf are moving from demos to early products. Payments infrastructure was not built for a buyer that is software, and the industry is racing to adapt.

Jonah Whitlock · 3 Jun 2026

31 Mar 2025Date PCI DSS v4.0's future-dated requirements became mandatory

Fraud & Risk

Network Tokens and Passkeys: The Pincer Movement on Card-Not-Present Fraud

Card-not-present fraud thrives on two stolen things: card numbers and passwords. Network tokenization makes the first far less useful. Passkeys eliminate the second. Together they change the game.

Priya Castellanos · 13 May 2026

Jan 2018PSD2 began to apply across the EU, putting third-party account access into law

Open Banking

From Open Banking to Open Finance: PSD3, the PSR, FDX and the Section 1033 Saga

The first era of open banking was about payment accounts. The next is about everything else, and the rules are being written on both sides of the Atlantic at once.

Aiko Brennan · 29 Apr 2026

2022Year the PCI Security Standards Council published the Mobile Payments on COTS (MPoC) standard

POS / SoftPOS

SoftPOS Goes Mainstream: When the Terminal Became an App

A phone that accepts contactless cards used to be a pilot. Now it is a standard product line for acquirers, backed by a dedicated security standard and a growing set of use cases.

Jonah Whitlock · 25 Mar 2026

0.2% / 0.3%EU caps on consumer debit / credit card interchange under the Interchange Fee Regulation

Card Payments

Debit vs. Credit at the Point of Sale: The Economics Behind the Tap

To a shopper, debit and credit feel identical at the terminal. To merchants, issuers and regulators, they run on very different economics, and the gap is shaping everything from rewards to routing.

Maren Okafor · 18 Feb 2026

10 secMaximum end-to-end execution time for a SEPA Instant credit transfer