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In a digital age where e-commerce is booming, we’re excited to share with you our latest white paper, “Optimizing the CNP False Decline Problem: How Issuers and Merchants Can Collaborate to Approve More.” This comprehensive paper delves into the critical issue of false declines in CNP transactions—an area where legitimate customers are often mistaken for … Read more

Today, the demand for quick and easy financial transactions is higher than ever.  Frictionless payments, which include real-time payment systems (RTP), offer a convenient solution by allowing money to change hands almost instantaneously. This infrastructure is fundamental in supporting various types of transactions, including peer-to-peer (P2P), business-to-business (B2B), and more, ensuring that funds are available … Read more

The recent regulatory changes in the US, spearheaded by the Consumer Financial Protection Bureau (CFPB), have brought the Buy Now, Pay Later (BNPL) market under stricter scrutiny, aligning it more closely with credit card standards. The CFPB’s new rule requires that BNPL providers follow similar guidelines to those governing credit card companies, including more rigorous … Read more

2024 has been a year of significant challenges for the banking industry, with a slowing global economy, high interest rates, and new regulatory hurdles. As we move into the second half of the year, banks continue to face these pressing issues while also seeking new opportunities for growth and innovation. 2024 has been a year … Read more

In the digital age, the online credit/debit card ecosystem plays a vital role in global eCommerce. Collaboration between card issuers and merchants is not just beneficial; it’s essential for optimizing payment processes and enhancing customer experiences. This blog explores the dynamics of these partnerships, their benefits, and real-world examples of success. How do Card Issuers … Read more

Non-Sufficient Funds (NSF) declines refer to situations where a transaction cannot be completed due to insufficient funds in the account linked to a credit or debit card. NSF declines not only disrupt financial transactions but also affect all parties involved, including merchants, issuers, and customers. NSF declines have significant impacts, with Americans paying an estimated … Read more