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Payment gateways are an integral part of the digital economy, acting as the bridge between merchants and financial institutions to authorize online transactions. Over the past few decades, they’ve undergone a remarkable transformation to keep up with shifting consumer expectations for speed, security, and seamless experiences. This article explores the evolution of payment gateways, from clunky le…

Negative-option billing is a billing model in which customers are automatically charged for a product or service unless they actively opt out or cancel within a specific window of time. This model is widely used in subscription-based businesses, such as streaming platforms, magazine subscriptions, and software services. For example, if you sign up for a one-month free trial of a streaming service …

Banking and fintech professionals know how critical dispute resolution is to maintaining customer satisfaction, operational efficiency, and regulatory compliance. That’s why we’re thrilled to announce that DisputeLab from Fi911® has been named as a finalist for the 2025 Banking Tech Awards USA! The 2025 Banking Tech Awards USA celebrate excellence and innovation across the banking and fintech indu…

Triangulation fraud is a common type of online fraud that can cause significant financial losses for both buyers and sellers involved. It not only affects individuals but also impacts eCommerce platforms and their reputation. This deceit involves three primary stakeholders: the fraudster impersonating as the seller, an unwitting buyer, and an innocent merchant. The fraudulent seller convinces the …

The Payment Card Industry Data Security Standard (PCI-DSS) is a set of global standards developed to safeguard cardholder data. It applies to any entity that processes, stores, or transmits credit card information — making it especially relevant to banks and financial institutions. Compliance ensures robust security practices to prevent breaches and protect sensitive payment card data. It’s not ju…