In Part 1, we established that real risk flows upward. Now, we need to look at exactly what is flowing up that chain. Visa’s latest reports break down exactly what keeps Acquirers awake at night. If you are a Payment Facilitator (PayFac) or a Marketplace, these aren't just theoretical concerns, they are the specific pitfalls that can cause your Acquirer to pull the plug on your processing capabilities. Here is a deep dive into the four critical risk areas you need to master,

In the world of fintech and e-commerce, speed is seductive. We are constantly chasing the next innovation: faster checkouts, invisible payments, and seamless onboarding. It’s easy to think that speed is the only metric that matters. But here is the truth that separates the fleeting startups from the industry giants: Sustainable growth isn't powered by speed alone; it is powered by risk management. Whether you are a high-risk merchant, a Payment Facilitator (PayFac), or a Mark

Artificial Intelligence is reshaping payments, but not always for the better. While businesses are using AI to improve security, speed, and customer experience, fraudsters are leveraging the same technology to attack the financial ecosystem at scale. At the recent Visa Payments Vault event in Washington D.C., Visa’s SVP of Payment Ecosystem Risk and Control, Michael Jabbara , highlighted how AI-fueled fraud  is becoming one of the most complex challenges for both businesses a

When you start an application process with a payment provider whether they are an acquirer, ISO, or a PayFac, you must have heard or found it somewhere in the email that application is with underwriters.

The Holiday Boom Comes with Hidden Risks ’Tis the season for sales, and scams. As consumers rush to grab deals, fraudsters rush even faster  to exploit the surge in online transactions. Recent data from Mastercard and The Harris Poll  revealed that while 41% of global shoppers claim to be more cautious online during the holidays, nearly half admit they’d still ignore obvious security warnings for a deep discount or rare item. That same impulse, choosing convenience or profit