Chargebacks vs Refunds vs Reversals: Dispute Language Merchants Must Get Right in 2026
By 2026, most chargeback losses are no longer caused by fraud alone. They are caused by misunderstanding. Across payments teams,…
Impersonation Fraud 2026: How Fraud Models Detect “Someone Pretending to Be You” Before Payments and Payouts Are Approved
Impersonation fraud has emerged as one of the most consequential identity risks facing payment ecosystems in 2026. Unlike traditional fraud…
Designing Payments for the Gulf Consumer: Why Middle East Checkout Behaviour Defies Global Assumptions in 2026
For many global merchants, checkout design is built on a familiar assumption: cards first, everything else as an optimisation layer.…
Pre-Dispute Alerts 2026: How Ethoca/Verifi-Style “Early Warning” Workflows Reduce Chargebacks Before They Exist
Chargeback management has traditionally been reactive. A dispute is raised, evidence is gathered, representation is submitted, and the outcome is…
Real-Time Transaction Monitoring 2026: Moving From Batch Alerts to Always-On Risk Decisioning (and Cutting False Positives)
For years, transaction monitoring has operated on a delayed logic. Transactions were processed, alerts were generated in batches, and risk…
From Rules to Probabilities: How Risk Scoring Frameworks Are Shifting to “Likelihood × Impact” Models in 2026
For years, fraud and risk systems have been built around a simple assumption: a transaction is either safe or unsafe.…
Transaction Risk ≠ Customer Risk: Why 2026 Scoring Frameworks Separate Identity Trust from Payment Intent
In 2026, one of the most persistent failures in fraud prevention is not a lack of data or sophistication, but…
Context-Aware Risk Scoring 2026: Why Time, Channel, and Behaviour Now Outweigh Static Fraud Signals
Fraud in 2026 rarely announces itself through obvious red flags. The most damaging payment losses increasingly originate from transactions that…
Dynamic Risk Orchestration: How 2026 Payment Stacks Combine AI, SCA Exemptions & Real-Time Routing to Balance Fraud and Conversion
For years, merchants relied on fixed fraud rules and predictable authentication flows to manage risk. A transaction was either safe…
Payment Funnel Intelligence 2026: How to Benchmark Declines, Friction, Routing & 3DS by BIN, Issuer and Geography
Most merchants track approval rates, but very few understand why their payments fail and almost none analyse declines at the…
Fraud Velocity & Transaction Sequence Modelling: The 2026 Guide to Detecting Bot Attacks, Card Testing & Rapid-Fire Abuse
Over the past two years, fraud has changed shape. Instead of slow, isolated attempts, PSPs are now seeing bursts of…
Predictive Risk Models 2026: How Merchants Use Behavioural, Device & Payment Graph Data to Prevent Fraud Before Checkout
Fraud in 2026 no longer behaves like a series of isolated attacks that merchants can block with static rules, velocity…
Real-Time Payments Diagnostics: How Merchants Use Live Issuer Feedback, Risk Scores & Acquirer Health Signals to Optimise Acceptance in 2026
For years, merchants optimised their payment performance using static rules: fixed routing preferences, monthly acquirer reviews, and after-the-fact reporting. That…
Settlement Risk Intelligence: How Predictive Models Detect Delays, Corridor Failures & Liquidity Gaps in 2026
For high-risk merchants, the payment challenge in 2026 is no longer authorisation or routing efficiency, it is the unpredictability of…
Transaction-Level AI: How PSPs Use Predictive Fraud Models to Cut Chargebacks and False Declines
Payment fraud is evolving faster than traditional decisioning systems can respond. As digital commerce expands across cards, A2A payments, mobile…

