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Distributed ledger technology could encourage direct transaction settlement and improve reporting for transactions more efficiently than existing protocols like SWIFT. As discussed in a previous article, the fact that the average bank transfer takes 3 days to settle is a banking legacy that many merchants and consumers are eager to be rid of. Moving money has always been a rather sluggish process,…

Despite several recent hiccups in valuation, lawsuits, and calls for regulation in the media, Bitcoin remains a hot topic for speculators and investors. Looking beyond cryptocurrency, though, there’s the technology — known as blockchain — on which the currency operates. Does blockchain technology really have the power to upend the payments status quo? Or, is it all hype? Blockchain is Cheaper (in …

Merchants and financial institutions once faced isolated incidents and single-source attacks. Bad as that was, the modern trend is much more alarming. Fraud is no longer a one-man job. Now, would-be fraudsters can hire someone (or a group of people) to do their dirty work for them. This is called “fraud as a service” (or “FaaS”), and it’s the next big thing in fraud. What is Fraud as a Service? Fr…

Ethoca, a Mastercard company, launched Consumer Clarity to help tackle the growing chargeback crisis. Now, with this tool available, merchants have a powerful asset to stop many types of chargebacks before they are ever filed. This is good news for merchants… as well as the banks who represent them. What is Consumer Clarity? Consumer Clarity (formerly known as Ethoca Eliminator) provides merchants…

Verifi, a Visa company, launched Order Insight to help tackle the growing chargeback crisis. Now, with this tool available, merchants have a powerful asset to stop many types of chargebacks before they are ever filed. It’s good news for merchants… as well as the banks who represent them. What is Order Insight? Order Insight works as a plugin for the Visa Resolve Online (VROL) platform. The service…