Sovereign Nations. Different Laws. One Complicated Payments System. On Indigenous Peoples' Day, it's time to examine why tribal gaming, lending, cannabis, tobacco and other regulated businesses remain difficult for financial institutions to support—and why better regulatory intelligence could change that. Today is Indigenous Peoples' Day. A day to recognize the histories, cultures, resilience and sovereignty […]
Your Hemp Portfolio Has 33 Days. Is Your Bank Ready—or Just Sending Letters? Section 781 is about to expose one of the largest blind spots in payments: banks and processors still don't know enough about the products their merchants sell. The consequences could reach far beyond compliance. There is a countdown happening across the hemp […]
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 […]
“We Didn't Know” Is No Longer a Compliance Strategy The FTC's Humboldt Action Should Be a Wake-Up Call for Every Payment Processor, ISO and Sponsor Bank For years, there has been an uncomfortable reality inside payments. Sometimes the less you look, the less you find. And if you don't find it, perhaps nobody has to […]
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 […]
Payments Has a Product Problem Nobody Wants to Own The Next Compliance Infrastructure Battle Won't Be About Knowing the Merchant. It Will Be About Knowing What the Merchant Sells. Next week, thousands of people from across the payments ecosystem will gather to discuss what's changing in our industry and what comes next. There will be […]
