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The Paypers

@ThePaypers

The leading independent source of news and analysis for professionals in the global #payments, #fintech and #commerce community. #Amsterdam #Iasi

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thepaypers.com
Joined December 2009
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💡 A2A payments’ progress depends on trust, something that is clear from The Paypers’ Account-to-Account Payments Report 2026, now freely available to download ➡️ bit.ly/3TuCEHK As A2A payments have expanded over the years, this third edition of the report will help all ecosystem players navigate the complexities of A2A payments. Split into six sections covering the global landscape, our industry guide shares insights into: ✔ Real-time payments (RTPs) infrastructure and scheme evolution ✔ A2A technology enablers: Open Banking, Open Finance, and CBDCs ✔ A2A payments interoperability and cross-border scaling ✔ The global A2A market landscape – local and regional developments ✔ Regulations and fraud prevention None of The Paypers' reports is complete without industry mappings, so we’ve prepared two infographics featuring local and regional A2A schemes and rails, plus Open Banking- and Open Finance-based A2A payments and technology providers.
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Canada's Manulife Bank is modernising its credit cards with @BrimFinancial. The move embeds cards and payments in the bank's digital channels, supporting not just customers but also its advisors and mortgage specialists.
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🧵Instant payment rails are fast, but speed isn’t the whole story. A2A only works when the payer consents, the payee is verified, and both banks know what’s happening. Estera Sava, Senior Writer at The Paypers, looks at the layers that make it work: Open Banking, Open Finance, and CBDCs 👉 buff.ly/MjzHO03
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3/ Recurring payments around the world: UK: the UKPI went live in June 2026 to build a scheme for commercial VRPs Brazil: Pix Automático is already collecting variable recurring payments EU: the SPAA scheme is still stuck in pilot Meanwhile, @Visa is building dispute rules on top of Pay by Bank instead of fighting it.
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4/ CBDCs have made more political progress than technical progress. The Digital Euro pilot is underway, but first issuance isn’t targeted until 2029. So far, multi-rail interoperability is coming from direct links between existing instant payment systems, not from CBDCs.
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Acceleron is helping Oregon's First Federal cut wire exceptions, see its FX spreads clearly and get same-day answers when issues come up.
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LuLu Financial Holdings has integrated Purpleplum's orchestration platform into LuLu Money Business, bringing business accounts, payments, cards, remittances and payroll together for UAE SMEs. 🗨️ Read more: buff.ly/wXQnBsj
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.@Mercuryo_io has launched Swaps, letting users convert between assets like BTC, ETH, USDC and SOL across multiple blockchains, with fixed quotes and transparent pricing, according to the company. 🗨️ Read more: buff.ly/VcZDVKJ
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Told her account was under attack, Sarah opened her banking app, passed biometric SCA and sent money straight to a fraudster. Nothing failed. That’s the problem. Catch the recording of our APP fraud webinar with @mBankpl, Worldline & @blackwired32799 👉 buff.ly/67qkjnN
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.@Chargebacks911 will indemnify merchants against qualifying chargebacks on agent-initiated purchases, using behavioural data to assess risk. 🗨️ Read more: buff.ly/2QjXlIU
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Realeyes' privacy-safe face credential is now part of GBG's GBG Go, helping fraud teams stop duplicate sign-ups and re-verify users at risky moments. 🗨️ Read more: buff.ly/vxqQ7YK
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.@stripe has launched Stripe Pay, a plug-in that lets businesses send free, instant transfers to each other using Stripe profile handles, no bank details needed. 🗨️ Read more: buff.ly/lOsyj0d
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🧵 A failed payment isn’t always a lost payment, but retrying the wrong one can cost you more than the sale. We spoke with payment expert Avadhut Thakar about what a well-designed payment recovery system needs to get right 👉 buff.ly/EqLUOov
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3/ Bring your risk signals into recovery. TC40 data, SAFE reports and pre-arbitration alerts can show when a card has already been flagged for fraud, so you can stop retrying before it turns into a chargeback. A risk profile can change between attempts. Check it on every retry.
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4/ For customers, good recovery is mostly invisible. Fix backend errors and only reach out when they actually need to do something, like update an expired card. Plus: why preventing duplicate charges is the biggest engineering challenge.
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.@airwallex is now a payment provider on @OpenTable, bringing its global infrastructure and 85+ licences to restaurants, starting in North America. 🗨️ Read more: buff.ly/VZ8yQBs
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.@Mastercard Gateway is now live in Syria, helping banks extend card acceptance to merchants, from large retailers to SMEs.
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