Digital Transactions Authoritative, insightful and timely information for payments professionals
Consumer spending is expected to remain resilient this holiday shopping season and buy now, pay later loans will play a key role in the trend, according to Cash App Afterpay’s 2025 Holiday Survey. Despite 38% of consumers in the United States saying they feel more financially stressed than in 2024, …
September, 2025
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11 September
Weighing the Profitability of High-Risk Merchants in a Risk-Wary Climate
High-risk merchants can offer generous profit margins, but those returns must be weighed against the risks they bring. That balancing act starts before onboarding and continues afterward, panelists at the Western States Acquirers Association conference said Wednesday. One of the many considerations with high-risk merchants is to avoid misunderstanding the …
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11 September
Mastercard And Open Banking and other Digital Transactions News briefs from 9/11/25
Mastercard Inc. and Paytently, a payments-orchestration platform, announced they have collaborated on an open-banking initiative that will leverage Mastercard systems to let consumers make payments directly from their bank accounts at checkout. In related news, Mastercard said it has worked with NCR Atleos and ITCARD to allow cash withdrawals at ATMs using a …
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10 September
FedNow Announces a $10 Million Transaction Limit, Set for November
The Federal Reserve said Tuesday it will raise the transaction limit on FedNow transactions tenfold, to $10 million, effective in November. Launched in July 2023, FedNow is a real-time payments system linking more than 1,400 U.S. financial institutions. The move will have come nine months after the rival Real Time …
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10 September
The Cost of Scams And Fraud Tops $5 for Each Dollar of Loss
Financial-services organizations have long held a sobering view of the cost of scams and fraud. Now, the cost of these crimes and misdeeds has reached an average of $5.75 per every $1 of fraud loss, finds the latest edition of the 2025 True Cost of Fraud Study for North America …
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10 September
Global’s Genius in the UK and other Digital Transactions News briefs from 9/10/25
Global Payments Inc. announced it has launched its Genius processing platform in the United Kingdom, starting with quick-service and fast-casual restaurants. Genius for restaurants, which launched in May, and Genius for Retail consolidate 16 point-of-sale products into a platform that is marketed internationally. Mastercard Inc. announced it is working with Stripe, Google, and …
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9 September
As BNPL Rises in Popularity, Consumers Are Missing Payments; Zip Partners with Gift Platform Nift
Some 76% of consumers in the United States have taken out buy now, pay later loans, but 49% have missed a payment, while 67% of BNPL users are paying on multiple BNPL loans at once. That’ all according to a recent study from LegalShield. The trend comes at a time …
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9 September
COMMENTARY: How the GENIUS Act Is a Quiet Revolution in Crypto
For years, critics and evangelists alike have obsessed over crypto’s headlines, its volatility, its philosophy, its personalities. But the GENIUS Act, recently passed in the United States, points to a new phase: a regulated, institutionalized, quietly ubiquitous crypto economy, one that doesn’t shout from the rooftops but works silently in …
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9 September
PAR Technology’s PAR AI and other Digital Transactions News briefs from 9/9/25
Restaurant payments-technology developer PAR Technology Corp. launched PAR AI as part of its product line, along with Coach AI, intended to be intelligent assistants in restaurant operations. Point-of-sale terminal maker Verifone Inc. is working with Futurex L.P., a developer of data-encryption technology, to enable remote key injection through the Futurex CryptoHub platform, Futurex said. …
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8 September
Paytrie Joins Circle to Grow Cross-Border Stablecoin Payments, While StratX Launches a Stablecoin Protocol
Paytrie AB Inc., a platform for buying and selling stablecoins, is joining the Circle Payments Network in what it says is an effort to expand the reach of stablecoins to consumers in Canada. The deal, which builds on Paytrie’s support for USD Coin, a stablecoin pegged to the United States …