The Next Major Shift in Payment Risk Won’t Be Transaction Intelligence. It Will Be Product Intelligence. Banks and Processors Still Monitor Transactions, Chargebacks and Merchants. The Next Risk Layer Is Understanding What Their Merchants Are Actually Selling. For decades, payment risk has largely been managed from the transaction backward. Banks and processors monitor chargebacks. Fraud […]
The FTC's Warning to PayPal, Stripe, Visa and Mastercard Exposes a New Reality. Payments Is Being Told to Monitor More—and Debank Less. They Need to Prove Not Only That They Manage Risk, but Why They Make the Decisions They Make. Intelligence Is How You Do Both. The payments industry is receiving two messages that, at […]
How Many Enforcement Actions Before Merchant Monitoring Becomes a Board-Level Issue? Paddle. Nuvei. Humboldt. The FTC Is Sending Payments a Message. Three payment companies. Three FTC enforcement actions. More than $21 million in announced monetary settlements or relief. And one increasingly uncomfortable question for every processor, PayFac, merchant-of-record provider, acquirer and sponsor bank: How much […]
Square Is Leaving Hemp. The Bigger Question Is Why Banks and Processors Keep Leaving. The Hemp Industry Has Spent a Decade Outsourcing Compliance to Its Financial Partners. That Model Is Breaking. For years, the hemp industry has complained about payment processors and banks. Accounts get terminated. Applications take too long. Documentation requirements change. Products get […]
VAMP Is Measuring the Smoke. What If We Could See the Fire Starting? Why Merchant Intelligence and Product Intelligence May Become the Leading Indicators of Payment Risk For decades, medicine has struggled with a familiar problem: treating the symptom without fully addressing the underlying cause. The pain appears, so we treat the pain. The inflammation […]
What If Every Product in Commerce Had a Digital Compliance Identity? How Digitized Product Intelligence Could Transform Payments, Banking, Compliance and Regulated Commerce For decades, regulated-product compliance has largely operated in a world of documents. PDFs. Images. Labels. Certificates of Analysis. Laboratory reports. Ingredient lists. Licenses. Packaging. Testing records. Manufacturer documents. Emails. Spreadsheets. Folders. Shared […]
Peptides Are Exploding. Payments Isn’t Ready. The Research-Peptide Market Is Growing Faster Than the Infrastructure Built to Underwrite and Monitor It Peptides have moved from a niche scientific category into one of the fastest-growing areas of health, wellness, performance, longevity and medical commerce. Some are well-established prescription therapies. Others are being compounded. Others are sold […]
Your Policy Changed. Did Your Portfolio? Why Every New Compliance Rule Creates a Portfolio-Wide Problem Most Payment Companies Aren't Built to Solve "Updating a policy is easy. Proving that thousands of existing merchants comply with it is where the real work begins." - Noah Fitzgerald, CPP, CRO Qredible, Inc. The Email Arrives Monday Morning […]
Your Regulated Merchant Portfolio Needs an Audit. Then Your Underwriting Model Needs to Change. New Rules Are Exposing an Old Problem: Payment Companies Know Their Merchants, But Often Don't Know Their Products. "The real compliance challenge isn't responding to the regulation that just changed. It's building an operating model that doesn't require you to start […]
The Death of MCC Codes We Cannot Build the Future of Merchant Acceptance Around Four Digits ""After more than 30 years in payments, I believe one of the biggest constraints on our industry's future is something we've become so accustomed to using that we've stopped questioning it." - Noah Fitzgerald, CPP, CRO Qredible, Inc. […]
