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Credit Card
About 90% of payment schemes print card numbers with 16 digits. But 90% producing 16-digit cards should not turn into a rule that card numbers are always 16 digits. Web payment forms must also account for the remaining 10%.
Agentic Commerce
The next customer on the internet may not be human. If AI agents become part of purchasing decisions, the rules of e-commerce, marketing, and payment systems could change.
E-commerce
AI agents are moving beyond answering questions to searching, deciding, and paying on behalf of users. This post explains Agentic Commerce and what it means for payment systems, digital wallets, e-money institutions, banks, and fintechs.
Open Banking
Embedded Finance means integrating financial products and services into non-financial platforms, experiences or business processes. In other words, services offered by financial institutions become part of the product or service flows of non-financial organizations.
HSM & Security
Non-face-to-face transactions in which the cardholder authorizes the merchant to store card data, and the merchant uses that stored data to carry out the transaction, are called Credential-on-File (CoF) transactions.
Payment Systems
Agentic Commerce Protocol (ACP) is a next-generation protocol that lets AI agents integrate directly into commercial processes such as payments, orders, refunds and subscriptions. This post explains how it works and what it offers businesses.
Online & Authorization
Electronic Commerce Indicator (ECI) is a 2-digit value generated by payment schemes (Visa, MasterCard, etc.) in 3D Secure transactions to determine the transaction's security level (Full 3D Secure, Half 3D Secure, Non 3D Secure), and it varies by payment scheme.
General
Who will win in Agentic Commerce? Owning the customer used to be a huge advantage. Once an agent starts deciding on the customer's behalf, where does the real power move to?
E-commerce
In recent years, data exchange over wireless mobile devices has become much faster and more secure. In 2019, mobile devices were used in 54.5 percent of purchases made by e-commerce users. With the steady growth in mobile users, mobile commerce keeps gaining ground.
E-commerce
Online shopping has become the norm, and a well-optimized payment page is one of the best ways to win customers back. This post shares 13 practical tips for reducing cart abandonment and increasing conversions on your e-commerce site.
Merchant & POS
Samsung Pay decided to add new services: users in India will soon be able to apply for financial products such as loans and credit cards through Samsung Pay, in partnership with Paisabazaar.
Credit Card
First, your card must be enabled for e-commerce transactions, with domestic and international authorizations usually managed separately. Second, your card must be eligible for 3D Secure transactions.