PaymentsJournal
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Boosting Revenue for Merchants by Optimizing Authorization Rates
A critical factor is often overlooked when focusing on improving the customer experience: ensuring payments go through successfully. A failed payment is more than simply a lost sale. It can lead to wi
The Connecting Thread: How PAR Values Can Mitigate Fraud and Supercharge Loyalty Programs
When customers make purchases using Apple Pay or Google Payor enter their card info at online checkouttheir sensitive data is protected by replacing it with a token. While this safeguards consumer p
Sports and Entertainment Venues Can Be a Proving Ground for Payments
A cursory survey of sports venues will reveal fields sponsored by Citi, Chase, PNC, and Truistjust within Major League Baseball alone. However, the connection between payments and the arenas and stad
The Future of Payment Cards: Metal, Personalization, and the Power of Design
Because digital payments offer such powerful use cases, many speculate that they will inevitably replace physical cards. However, this perspective overlooks several key factorsnot only are physical c
Reconciliation Isn’t Just for the Back-Office Anymore
Reconciliation has traditionally been seen as a back-office function, but modern technology has made it a priority. Automation, real-time data, and embedded finance solutions are transforming cash flo
Infostealers: The Latest Cyberthreat Facing Financial Institutions
Last year, a breach of cloud storage company Snowflake resulted in data stolen from more than 150 companies, with more than $2 million extorted from victims. The attack was carried out by an infosteal
Personalized Gift Cards Are the Cornerstone of Employee Engagement Programs
Across industries and companiesfrom small businesses to large enterprisesorganizations are constantly searching for ways to improve corporate culture and boost employee engagement. However, in large
Inside Outsourced Item Processing: A Client Case Study
When Academy Bank first considered outsourcing its item processing, it anticipated a challenging and uncertain journey. However, partnering with Fiserv transformed the experience, delivering both anti
Beyond Checks: Why Prepaid Cards and Digital Payments Are the Smarter Choice
Many organizations still rely on paper checks, with no immediate plans to phase them out. However, one of the key issues with checks is that criminals favor them as well. Last years AFP Payments F
Down the Path to Full Payments Orchestration
Many businesses are familiar with payments optimization, which focuses on enhancing the outcome of individual transactions. However, the growing field of payments orchestration takes a broader approac





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