ISO & Agent

Pizza Hut has played a large role in building China's middle class. It's also a major cog in Ant's investment in Yum China.

Since e-commerce retailers often don't have the same personal relationships as traditional retail, it can be harder to dispute chargebacks.

As volume grows, fraud and security risk will expand as well. Merchants and issuers can't afford to avoid the extra work to secure the channel.

There are hundreds of millions of users that store credit cards with Google but don’t use Android Devices, giving Google the chance to take advantage of data it already has to improve functionality.

The Internet of Things is making it possible for POS terminals to be connected to all sorts of applications and devices, which helps improve customer experience, but also makes these systems more vulnerable to hacking attacks.

Third party mobile payment apps are resetting consumer expectations, and retailers must embrace the technology, writes Joe Leija, general manager of North America at Ingenico ePayments.

3DS 2.0 is designed to vastly improve cardholder authentication, and in so doing, improve the digital checkout and payment process.

Collaboration has now become a constant theme in the payments industry, where longtime enemies are putting aside their differences to survive in the fast-paced digital world.

One-time passcodes or more complex passwords are not enough, and add friction and potential frustration for the user. The solution is mobile identity authentication, writes Randy Vanderhoof, executive director of the Secure Technology Alliance.

Product searches can be confusing, which can increase card abandonment and cut into sales. Virtual assistants and other customer service improvements can solve the problem, writes Arjun Mendhi, a director at Infinite Analytics.

The risky side of bots played a role in last year's IRS hack. But non-data driven security can fight back, argues Robert Capps, a vice president at NuData.

It's a big challenge to educate small merchants on the importance of data security, but many acquirers and ISOs are jumping at the opportunity to fill the role of educator.

As payments innovation expands and diversifies, retailers will need to find ways to deftly embed low-touch payments into omnichannel shopping.

Digital wallets are maturing, meaning card plays will increasingly resemble Chase Sapphire, targeting a specific higher end demographic, writes Alyssa Arredondo, director of financial vertical marketing at Entrust Datacard.

There's been a lot of regulation against interchange fees, but there are some signs of easing in both the U.S. and U.K.

As mobile devices get more complex, self-help will become vital to attract m-commerce and payments, writes James Ramey, CEO of DeviceBits.

The Durbin Amendment is on the chopping block , which could reverse years of savings for merchants and consumers.

Retailers can excel at sales, service and selection, but if the point of sale doesn't have the latest technology, stores will turn off consumers.

Amazon's new service is a chance for all retailers to examine their e-commerce strategy and come up with ways to keep people from leaving sites before making a purchase.

Innovators offer speed, but banks retain customer relationships and a vast product range that can add services to payments.