Expert perspectives, thought leadership, and bold takes on the evolving world of payments, fintech, and digital commerce. Dive into commentary that challenges norms, sparks debate, and explores what’s next.
Explore how national card schemes like RuPay, Elo, Mir, JCB, Interac, and BC Card are reshaping global payments. Discover their strategies, partnerships, and role in driving sovereign digital rails.
🔗 Published by PaymentsPedia.com The humble credit card has evolved into a complex, high-margin financial product blending consumer psychology, machine learning,
As digital payments proliferate, merchants and fintech platforms often face a critical question: How should we protect sensitive cardholder data?
While encryption has traditionally been the default option, it might not be the most secure—or scalable—approach. In this post, we’ll break down the core differences between encryption and tokenization, explain why it matters under PCI-DSS 4.0, and walk through a real-world use case that demonstrates the business impact.
In recent years, several countries have introduced national QR code standards that mandate domestic routing and processing of digital payments. While these initiatives are
In-flight payments are a fascinating frontier of commerce. Unlike traditional card transactionsTransactions transactions Interactions where value is exchanged for goods
In a world where walletsWallets wallets See Digital Wallets. are becoming smarter and customers more demanding, VisaVisa visa A leading
🪄 Web3 Needs a Backend Too Crypto may be all about decentralization—but building an actual dApp? That still needs infrastructure.As
In a rapidly digitizing world where users demand flexibility, visibility, and control, MastercardMasterCard mastercard A global payments network enabling electronic
Explore how dynamic checkout experiences are changing online payments. Learn how orchestrators like Adyen and Stripe are taking over the checkout flow — and why PayPal is at risk.
In today’s borderless eCommerceeCommerce ecommerce Commercial transactions conducted electronically on the internet. Includes digital payments, shopping carts, and fraud prevention.
📲 The Ultimate Guide to Mobile WalletsWallets wallets See Digital Wallets. in 2025 From Super Apps to Tap-to-Pay: A Region-by-Region
The world of payments is undergoing a radical transformation—and at the core of this shift lies crypto infrastructure. From Bitcoin Lightning and Solana
Imagine a world where international payments are as seamless, secure, and instant as domestic transactionsTransactions transactions Interactions where value is
In every digital or card-based transaction, a series of events unfold behind the scenes—authenticationAuthentication authentication A security process used to
Sector-Focused Monetization Models and Architecture The next big revolution in payments isn’t about new cards or walletsWallets wallets See Digital
While payment orchestration provides redundancy, flexibility, and failover capabilities, many mid-sized retailers or startups initially integrate with a single payment gateway connected to a single acquiring bank for simplicity, speed of integration, or cost minimization.However, this architecture introduces several risks and limitations in case of transaction errors.
Payment orchestration is not just about routing—it’s about building intelligent, resilient, and risk-aware infrastructure that keeps payments flowing even under adverse conditions. By combining:Real-time error detection,Smart retry logic,BIN-level routing optimization,Cost thresholds, andPre-negotiated PSP contracts,
✨ What Is Payments Orchestration? Payments orchestration refers to the intelligent management of multiple payment service providers (PSPs), gateways, fraudFraud
What if one digital card could do it all—debit, credit, installments, rewards—dynamically? MastercardMasterCard mastercard A global payments network enabling electronic transactions
⚖️ Understanding Chargebacks: A Practical Guide for Retailers and Payment Professionals Chargebacks are a common yet complex challenge in the
Introduction Airline payments are among the most complex in the world of commerce. Selling high-value services for future fulfillment, across
Virtual Credit Cards (VCCs) have emerged as one of the most efficient tools in the world of digital payments, especially in travel,
A Global and Regional Breakdown of Cross-Border Interlinkages Multilateral payment platforms are transforming how money moves across borders—shifting from costly,
The growth of APMs (Alternate / Local Payment Methods) can be attributed to: Drivers of consumer adoption include: Drivers of
🔁 What Is Account Updater? VisaVisa visa A leading global payment technology company connecting consumers, businesses, and banks., MastercardMasterCard mastercard
Point-of-sale (POS) systems have evolved from mere transaction terminals to full-fledged business management hubs. At the heart of this transformation
China is a global pioneer in mobile-first and cashless payments, home to the world’s largest digital walletsDigital Wallets digital-wallets Applications
MastercardMasterCard mastercard A global payments network enabling electronic transactions between banks, merchants, and cardholders.’s Payment Network: Mastercard Network (previously Banknet)
Singapore is one of the most progressive and structured jurisdictions for payments and fintechFintech fintech Short for financial technology, refers to
As merchants expand into new markets, offering local and alternative payment methods (APMs) becomes critical to customer experience and conversion. However, integrating
Vibhu Arya @ PaymentspediaVibhu Arya is a fintechFintech fintech Short for financial technology, refers to tech-enabled innovation in financial services.
What Is an IssuerIssuer issuer A bank or financial institution that issues payment cards to consumers. Responsible for authorizations and
MastercardMasterCard mastercard A global payments network enabling electronic transactions between banks, merchants, and cardholders. has long maintained strict monitoring programs for chargebacks and
VisaVisa visa A leading global payment technology company connecting consumers, businesses, and banks. Dispute Monitoring Program (VDMP). This went into
As payments become central to customer experience and monetization, many large retailers and emerging fintechs are exploring ways to take
