Instant euro transfers are no longer an optional upgrade. With the Instant Payments Regulation (IPR), they are becoming a regulatory…

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

On paper, PSD3 and the new Payment Services Regulation (PSR) are aimed at payment service providers, not merchants. That distinction…

Instant payments have moved from “emerging” to expected in a surprisingly short amount of time. In many markets, customers now…

Most merchants don’t get flagged because they’re doing something wrong. They get flagged because they describe themselves in ways that…

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

Across Asia, stablecoins are no longer treated as speculative instruments in search of a use case. By 2026, regulators in…

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…

If you’ve spent any time looking at expansion decks for Southeast Asia, the narrative is always the same: 680 million…

For many global merchants, checkout design is built on a familiar assumption: cards first, everything else as an optimisation layer.…

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

Across the Gulf, digital wallets are no longer treated as lightweight fintech add-ons. By 2026, regulators in the UAE and…

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…

The Middle East is entering 2026 as one of the fastest-growing payments corridors in the world and one of the…

For many global merchants, “Asia” is still treated as a single expansion decision. One checkout flow, one set of payment…

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

Japan has been saying goodbye to cash for years, just not loudly. Unlike markets where governments force abrupt transitions, Japan’s…

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…

From January 1, 2026, cash stopped being a neutral operating choice for Nigerian merchants. The Central Bank of Nigeria’s revised…

Australia is quietly becoming one of the most important payment laboratories in the world. While many markets are still debating…

Europe has always been a paradox for high-risk merchants. It is one of the world’s most advanced digital payments regions,…

For four decades, card networks have shaped how global commerce works. They enabled online payments, cross-border acceptance, and scale but…

Europe’s payment landscape is undergoing one of its most significant structural shifts in a decade. With the EU’s Instant Payments…

Introduction For more than a decade, European e-commerce was shaped by a predictable checkout pattern: cards first, PayPal as backup,…

Until recently, Central Bank Digital Currencies (CBDCs) sounded like a distant policy experiment interesting to economists, but disconnected from real…