Once widely disparaged as an unwieldy fraud solution, 3-D Secure is back on the radar screens of risk managers at major online merchants and card issuers. Improvements in the 15-year-old technology, combined with surging e-commerce fraud, are driving the renewed interest, experts say. “Two-and-a-half years ago, zero U.S. online merchants …

  Not yet five years after its implementation, a controversial federal regulation governing interchange and transaction routing for debit cards has come under review as part of a process set out by a 20-year-old law called the Economic Growth and Regulatory Paperwork Reduction Act. The debit card regulation, the Federal …

By John Stewart   These days, the airline and air-travel industry finds itself squeezed between two imperatives that have come into sharp focus in recent months. With high average tickets, airlines must guard against fraud at a time when the spread of EMV chip cards is pushing more criminals into …

While the U.S. market wrestles with its nearly 6-month-long transition to EMV chip cards and contactless payments based on near-field communication (NFC) technology, the rest of the world is surging ahead with contactless, online, and mobile transactions, according to the latest report from Juniper Research. Total digital payments worldwide will …

  Most businesses thrive on referrals from existing clients, but acquirers and independent sales organizations get a surprisingly paltry number of referrals from the merchants they process for. In fact, fewer than 1% of merchants refer other merchants to their transaction servicer, even in the face of rewards such as …

  The U.S. payments industry’s transition to EMV chip cards has produced a number of side issues, but few may be more pressing for card-not-present merchants than the failed authorizations caused by the ongoing replacement of as many as 1.6 billion credit and debit cards. The new EMV cards carry …

The liability shift by which merchants not prepared to accept EMV chip cards now must bear responsibility for counterfeit card fraud has given rise to a federal antitrust lawsuit seeking class-action status for merchants. The 47-page complaint, filed Tuesday in U.S. District Court for the Northern District of California, comes …

There’s nothing new about identifying e-commerce customers through the device they use, but now the proliferation of mobile devices has data scientists hatching new ways to thwart fraudsters. One way authenticates users through not-so-obvious links between the many devices they may rely on day-to-day. The other takes a close look …

  With its enforcement action against Dwolla Inc., announced on Wednesday, the Consumer Financial Protection Bureau made plain it is expanding its writ to include data-security practices and putting digital-payments startups in its cross-hairs. The ripple effect could reach a number of payments providers if they are incautious about data …

While the mobile wallets launched by corporate giants Apple Inc., Alphabet Inc.’s Google unit, and Samsung Electronics Co. Ltd. have sparked a good deal of publicity, not much is known about actual adoption and usage so far, since the companies have been characteristically tightlipped. But that doesn’t mean researchers who …