What is “real-time” data? Due to the technical requirements to satisfy a complex global payments platform, Payments Orchestration is a concept that is here to stay. As depicted in the white paper: The Payments Orchestration Layer: Necessary functionality in the payments stack, a payment orchestration layer has four components, smart routers, end-user tools, real-time ledgers,…

Guest Post by our partners at Paladin Fraud Group Like so many technologies in the fraud prevention realm, third-party fraud prevention platforms have come a long way since their inception. They’ve offered protection and flexibility to not only prevent fraudulent transactions but to also increase acceptance of legitimate orders. They continue to help organizations scale…

Guest Post by our partners at Paladin Fraud Group In the ongoing game of cat and mouse between fraudsters and organizations with an online presence, two forces are paramount: preventing fraud while also minimizing friction for the user. Add too many steps in the user’s authentication process, they’ll drop off. Which is why fraud prevention…

This post is not a primer on 3D-Secure 2.X (3DS2) If you are looking for a better understanding of this topic before diving in, here’s a list of resources that we’ve curated to answer the following questions:  What is 3D-Secure? What’s the current state of 3D-Secure? Why was there a delay to the PSD2 enforcement…

“I came across this portion of code and everyone avoids it, it’s called payments.” -Joel Taylor, Where’s My Money? Presented at PaymentsFN 2020 The more I watch engineers present on payments, the more abundantly clear it becomes to me that engineers view payments not as a boring mystery but in fact, a super high-risk assignment….

Now, risk reduction thinks two steps ahead. Guest Post by our partners at Paladin Fraud Group It’s a push-and-pull as old as time (well, as old as eCommerce, anyway): merchants need more assurance that a customer is who they say they are—and the customer desires a frictionless transaction process without too many verification speedbumps. Despite…

“Every system of control depends for its survival on the tangible and intangible benefits that are provided to those who are responsible for the system’s maintenance and administration. This system is no exception.” Michelle Alexander, The New Jim Crow.  As payments professionals, when we discuss systems of control we are typically referring to tools and…

With payment providers offering 300+ payment methods for acceptance, it can be difficult to determine when and where to display which payment method. Churn can happen thanks to the confusion of integrating so many potential payment methods. The objective of payments orchestration is to reduce churn in the total conversion rate. One of the most…

By our partners at Paladin Group, now a member of MVB Financial Corp. While the average person on the street couldn’t define “behavioral biometrics” off the top of their head, these technologies are quietly helping to save them from ending up a statistic. With billions of login credentials hacked every year, plenty of people are…