ISO & Agent

Fraudsters deliberately target the holiday season, with more than half of annual fraud income taking place between September and December and chargeback rates increasing by up to 50% at peak shopping periods, writes Suresh Dakshina, president of Chargeback Gurus.

Relevance to the consumer is the challenge for banks in the post-PSD2 era and partnerships hold the key, writes Maikki Frisk, Executive Director of the Mobey Forum

A “neat” or “cool” idea may have garnered attention at the end of 2016, but the market has advanced to the point where a solid business idea that either addresses an unmet need and/or creates a significant cost savings is required to stand out from the crowd, writes Mariam Nishanian, a representative of Dentacoin.

The European regulation will make data sharing more complex, creating an opportunity for stakeholders to collaborate to build new tools.

It’s vital to work with a payment processor that fully discloses its pricing approach on its merchant statements, writes Jeff Zimmerman, COO of Clearent.

Since e-commerce and digital payments' inception, the state of the retail industry has been fluid, always facing new challenges and battles, writes Erik Morton, vice president of strategy and corporate development at CommerceHub.

Automated business payments is key to rightsizing inventory purchases, writes Matt Clark, COO of Corcentric.

Financial institutions should consider personalized campaigns and offers designed to convert customers to their debit or credit card, writes Bob Koehler, executive vice president of project management for SRM.

The industry has the opportunity to expedite gains in interoperability and realize significant cost savings and productivity gains for both the clinical and administrative sides of the industry, writes Chris Seib, chief technology officer and cofounder of InstaMed.

If you’re an omnichannel merchant, it’s critical to analyze fraud separately across your brick and mortar, online and mobile channels, in order to focus your information security resources where they are most needed, writes Michael Lynch, chief strategy officer for InAuth.

Giving merchants direct access to third-party software isn’t new—First Data’s Clover unit introduced the concept three years ago—but Vantiv is giving its approach a custom-development spin with an app marketplace.

It is often difficult to imagine how something will disrupt an industry because it may seem that the industry is already functioning with no problems. But there are inefficiencies that may not be apparent, writes Mariam Nishanian, a representative for Dentacoin.

The lowest rates could be a sign the provider is not investing in itself, not being entirely transparent, or not providing a wide enough range of services for their clients, writes Drew Sementa, CEO of Tidal Commerce.

KRACK, combined with other attacks, allows for the reading of pain text username, passwords, credit card numbers as well as the injection of code including ransomware, writes Timothy Crosby, senior security consultant for Spohn.

Much of the excitement revolves around the development of scaling solutions that may enable Bitcoin, Ethereum, and other blockchains to reach a truly global user base, writes Nick Spanos,founder of the Bitcoin Center.

In recent years, there's been a lot of activity in payments M&A, but a few deals stand out — some for their size, and others for their ability to transform both parties in a fundamental way.

The answer is to change the authentication framework altogether with new technologies that employ passive biometrics and behavioral analytics, writes Ryan Wilk, vice president of customer success at NuData Security.

While the advent of the Internet offered the possibility of increased global connectivity, blockchain has the potential to take this advancement to the next level, writes Sergey Ponomarev, the CEO of SONM.

The problem could be even worse this year, thanks to a new round of consumer data breaches, including the huge Equifax breach that exposed protected data on more than 145 million Americans, writes Rafael, executive vice president at ClearSale.

While many consumers are indeed adding smartphone-driven digital pay and mobile order and pay options into their payments toolbox, cash continues to resonate with American consumers, who show little interest in being "all in" with cashless, or having their choices limited in any way, writes Brian Bailey, managing director of North America for Cardtronics.