On 27 November 2025, EU legislators reached a provisional political agreement on the Third Payment Services Directive (PSD3) and the…

The Verification of Payee (VoP) scheme has formally moved from preparation to enforcement. The European Payments Council confirmed that its…

By 2026, most chargeback losses are no longer caused by fraud alone. They are caused by misunderstanding. Across payments teams,…

By 2026, fraud no longer waits for scale. It manufactures it. The most damaging fraud patterns facing digital merchants today…

Card testing used to sit in an awkward corner of fraud operations. Everyone knew it existed, most teams dealt with…

For years, card testing and enumeration lived in an uncomfortable grey zone. Everyone knew it was bad. Everyone dealt with…

Card testing has evolved into a form of automated reconnaissance rather than opportunistic fraud. In 2026, attackers no longer rely…

Impersonation fraud has emerged as one of the most consequential identity risks facing payment ecosystems in 2026. Unlike traditional fraud…

For years, chargeback prevention and chargeback recovery were treated as separate disciplines. Prevention focused on reducing disputes through fraud controls…

Chargeback management has traditionally been reactive. A dispute is raised, evidence is gathered, representation is submitted, and the outcome is…

For years, transaction monitoring has operated on a delayed logic. Transactions were processed, alerts were generated in batches, and risk…

For years, fraud and risk systems have been built around a simple assumption: a transaction is either safe or unsafe.…

In 2026, one of the most persistent failures in fraud prevention is not a lack of data or sophistication, but…

Fraud in 2026 rarely announces itself through obvious red flags. The most damaging payment losses increasingly originate from transactions that…

For years, merchants relied on fixed fraud rules and predictable authentication flows to manage risk. A transaction was either safe…

Over the past two years, fraud has changed shape. Instead of slow, isolated attempts, PSPs are now seeing bursts of…

Fraud in 2026 no longer behaves like a series of isolated attacks that merchants can block with static rules, velocity…

Underwriting has entered a new era. By 2026, the volume, complexity and global distribution of high-risk merchants have evolved far…

AML and KYC requirements for payment companies are entering a new phase. Banks, acquirers and upstream PSPs are applying stricter…