What RTP and FedNow have achieved mark significant inflection points in US payments infrastructure. After the ISO 20022 deadline in November 2025, faster payments rails will be smoother with straight-through-processing (STP), streamlined reporting and compliance, and potential for enhanced interoperability. The future of US digital payments must include automated reconciliation, STP, and arguably most importantly, request for payment (RfP) if firms want to remain competitive. The RfP message type could turn real-time payments into bi-directional, eventdriven workflows that are useful for just-in-time billing for utilities for instance, or consumer initiated B2B payments through a QR code, for example. In conversation with Finextra, a representative from U.S. Bank indicated that RfP “has the promise to drive increased instant payment adoption in the US.” Returning to the point around data, they elucidated on how RfP allows businesses to send data-rich digital requests through the receiver’s bank. This initiates an immediate payment, at any time of day, any day. U.S. Bank’s view is that “RfP improves customer experiences by enhancing payer security through bank-driven authentication, and reduces risk for RfP senders by eliminating returns for unauthorised or insufficient funds compared to traditional debits.”
Paythru partners with Adyen to build omni-channel EV payments platform that will allow drivers to pay with their preferred payment method including mobile wallets and fleet cards, which can be easily processed and allocated to the charge point operator
EV payment specialist Paythru has partnered with Adyen to co-develop a next-generation, omni-channel payments platform for EV charging. The collaboration aims to address the problem of inconsistent EV charging payments – where EV drivers face different payment methods at different charge points – which frustrates drivers and hampers EV uptake. The partnership will integrate Adyen’s platform with Paythru’s software and expertise in EV-specific payments. The resulting EV payments platform will allow drivers to pay with their preferred payment method, which can be easily processed and allocated to the charge point operator. The platform will also incorporate a range of digital features to make the user experience easier, such as emailed digital receipts. It will be purpose-built to integrate into EV charging software, including compatibility with emerging standards. Key features of the new EV charging payment platform will include: Support for over 100 global payment methods across 100+ countries, including mobile wallets and fleet cards; Plug & Charge readiness (ISO 15118), ensuring compatibility with energy optimisation and bi-directional charging; Transparent pricing, digital receipts, and real-time data integration; White-label front ends for charge point operators and fleet managers.
Mambu offers a composable payments platform that integrates seamlessly with any core banking ecosystem and supporting instant payments and ISO 20022
Mambu, a global cloud banking firm, has launched Mambu Payments, a composable banking platform designed to help financial institutions modernize their core infrastructure and accelerate innovation across the entire banking stack. The platform, which integrates seamlessly with any core banking ecosystem, is designed to help financial institutions face regulatory pressure, the rise of instant payments, industry-wide shifts like ISO 20022, and increasing customer expectations for speed and reliability. Mambu connects institutions to a growing network of pre-integrated clearing systems, partner banks, and payment schemes, enabling end-to-end automation through a modern payments hub. The service is gaining traction, with Western Union, INDEXO Bank, and BCB Group all expanding their partnerships with Mambu to modernize their payment systems. Mambu Payments will be officially unveiled at Money20/20 Europe, where the company will showcase its expanded platform and meet with banks, fintechs, and partners shaping the future of finance.
Conferma’s partnership with JP Morgan Payments Network to enable businesses to issue virtual cards and make multi-currency payments via API that integrates directly with ERP, procurement, and expense management platforms
Conferma has expanded its strategic membership in the J.P. Morgan Payments Partner Network to include J.P. Morgan Payments’ virtual card solutions as part of its European offerings. This expansion offers European-based businesses the opportunity to issue and manage virtual cards effortlessly, unlocking multi-currency capabilities and providing greater flexibility to streamline payments across the region. J.P. Morgan Payments’ virtual card services offer businesses in Europe the opportunity to access virtual card services and benefit from trusted payment capabilities—simplifying procurement, boosting cash flow, and enhancing security. What this means for businesses: Expanded payment freedom: Corporates can issue virtual cards, eliminating international barriers and empowering businesses with greater global agility. Multi-currency efficiency: Virtual cards enable payment in local currencies, reducing FX costs and improving payment efficiency. Seamless integration: Conferma’s API technology integrates directly with ERP, procurement, and expense management platforms, making adoption effortless and quick. Stronger financial oversight: Businesses gain more visibility, control, and fraud protection, enhancing compliance and security. By combining J. P. Morgan Payments’ virtual card solutions through the J.P. Morgan Payments Partner Network with Conferma’s seamless technology, businesses can accelerate payments, enhance security, and cut operational costs.
PayPal pilots digital wallet in Germany amid stablecoin push that combines crypto, BNPL, cashback incentives and contactless payments
PayPal is set to launch its first mobile wallet in Germany as part of its strategy to increase in-store payments. The wallet will be accessible through PayPal’s app and tap-to-pay at merchants that accept Mastercard contactless payments. The app will provide a unified view of both online and in-store transactions. PayPal aims to differentiate its digital wallet by offering cashback incentives when users make contactless payments at select German retailers. The wallet is similar to Apple Pay and Google Pay, but it may be challenging to stand out in an already saturated market. The launch follows PayPal’s push for its PYUSD stablecoin, which has struggled to gain momentum in a market dominated by Tether and Circle. PayPal plans to support its Pay Later functionality for in-store purchases, allowing users to pay in 3- to 24-month installments. A PayPal digital wallet that combines crypto, BNPL, and contactless payments would align with several dominant trends in the payment industry.
Salesforce new pricing model gives companies a more attractive way to pay for non-conversational and internal uses of the AI agents by charging them about 10 cents per “action”, offering greater flexibility to shift spending between human and digital labor
Salesforce is unveiling a new pricing model for its AI products and letting customers reallocate spending from traditional software subscriptions to the artificial intelligence tools. Clients will pay about 10 cents per “action” when using some Salesforce AI agents, which are tools designed to complete work without the need for supervision from an employee, Salesforce plans to announce Thursday. The new pricing structure is meant to give companies a more attractive way to pay for non-conversational and internal uses of the AI agents such as scanning through old emails to find potential sales targets, according to Bill Patterson, an executive vice president at the company. Salesforce will also begin to let customers shift contracted spending from per-user application subscriptions to its AI agent offerings. This will help give the companies greater flexibility to shift spending between workers and AI agents, Patterson said. “For companies who are looking at the future of their workforce — whether it scales up or scales down — what the flex agreement gives us is this ability to move spending between human labor and digital labor,” Patterson said.
Mitigating run risks from payment stablecoins would require enacting regulatory provisions such as prescriptive reserve composition standards, maturity limits on reserve assets and mandatory deposit of cash reserves at FDIC-insured banks
Payment stablecoins and MMFs share a crucial structural similarity in their susceptibility to run risk during financial stress. Both are designed to provide investors with a stable, cash equivalent asset, backed by underlying reserves — but neither is explicitly guaranteed by the government. As policymakers consider stablecoin regulations, it is essential to recognize the parallels between stablecoins and MMFs, particularly regarding run risks and potential threats to financial stability. Drawing on lessons from past MMF reforms, regulators have the opportunity to craft a regulatory framework for stablecoins that mirrors the credit and liquidity safeguards applied to MMFs. To mitigate systemic vulnerabilities, stablecoin regulation could include the following provisions: Credit quality requirements for reserve assets backing payment stablecoins; Prescriptive reserve composition standards, limiting assets to cash and high-quality liquid securities; Liquidity requirements, such as a minimum percentage of reserves in daily and weekly liquid assets; Maturity limits on reserve assets to reduce duration risk; Liquidity fees triggered when liquid assets fall below predefined thresholds; Custodian requirements mandating securities and other noncash assets reserves be held at regulated custodians; Cash reserves mandated to be deposited at FDIC-insured banks; Daily disclosure of the reserve assets with monthly audits, published on the issuer’s website to enhance transparency; Prohibition on the payment stablecoin issuer lending reserve assets or using reserve assets as collateral; Requiring issuers to assess through stress tests their ability to maintain a $1 net asset value under adverse scenarios;. By drawing on the regulatory lessons learned from MMFs, policymakers have an opportunity to get ahead of the curve. Implementing sensible, risk-based safeguards for stablecoins will not only protect investors and preserve financial stability but also foster growth in the digital asset space. With proactive regulation, the promise of stablecoins can be realized without repeating past mistakes.
Solution combines Deluxe’s merchant processing tech and Chargent’s Salesforce-native tools to enable businesses to automate billing, accept payments, and gain real-time transaction insights natively without leaving the Salesforce environment
Deluxe and Chargent announced a strategic partnership to deliver seamless, end-to-end payment integration within Salesforce. This collaboration allows businesses to automate billing, accept payments, and gain real-time transaction insights—all without leaving the Salesforce environment. By combining Chargent’s powerful, Salesforce-native tools with the secure and scalable merchant processing infrastructure at Deluxe, the new offering helps businesses accelerate cash flow, reduce manual work, and improve financial visibility. “This partnership enhances the way our customers manage payments—simplifying operations and supporting revenue growth,” said Bryan Van Meter, Head of GTM at Chargent. “Deluxe brings credibility, scale, and decades of payments expertise that our customers can trust.” “Partnering with Chargent allows us to bring the robust payment infrastructure at Deluxe directly into the Salesforce ecosystem,” said Brian Mahony, President of Merchant Services at Deluxe. “This integration gives businesses a secure, efficient way to manage payments within the platform they already rely on—helping them streamline operations, improve cash flow, and support long-term growth.”
Samsung adds Green Dot’s embedded finance platform to digital wallets- a P2P tool to quickly transfer funds within minutes from Samsung Wallet to other digital wallets or contactless debit cards
Digital bank Green Dot announced a new partnership with Samsung Electronics to add new features and functionality to Samsung Wallet1, the secure, go-everywhere app for conveniently using and organizing daily essentials. Leveraging Green Dot’s comprehensive and configurable embedded finance platform, Arc, Samsung Wallet’s U.S. users will soon have access to Tap to Transfer2, a peer-to-peer (P2P) tool enabling users to quickly transfer funds within minutes3 from Samsung Wallet to other digital wallets or contactless debit cards, with additional features and functionality planned. Arc is the embedded finance platform of services featuring all of Green Dot’s secure banking and money processing capabilities designed to fuel value, loyalty and growth for consumers and businesses. Integrated with Green Dot Bank, Arc provides partners with leading FDIC-insured banking products and tools, plus regulatory and compliance expertise, oversight and support. “Our partnership with Samsung presents an enormous opportunity to bring convenient and instant peer-to-peer payments to Samsung’s vast user base,” said Crystal Bryant-Minter, SVP, Money Movement, Green Dot. “It also exemplifies Arc’s potential to power leading brands with seamless, secure financial experiences that deliver real value to everyday consumers.”
Agentic commerce would require payments on blockchain; use cases are emerging across: data-for-value exchanges, personal data negotiations and agent collaboration networks
Our current payment infrastructure was built for humans, not machines. It’s slow — settlements can take days — and expensive, with high transaction fees and middlemen at every step. Now, imagine these AI agents operating in real time. They’ll buy access to data, rent computing power, hire other agents for help and make split-second decisions. In this new economy, every delay and every fee becomes friction that eventually breaks the system. This new form of machine-driven trade — what we might call “agentic commerce” — will lead to a massive acceleration of economic activity. These agents won’t sleep, won’t wait and won’t tolerate inefficiencies. They’ll require a global ledger that can keep up — a payment rail that is always on, decentralized, fast and cheap. This is precisely what blockchain technology was built for, not for speculative assets but for programmable, frictionless payments at scale. Their use cases are already emerging across three broad categories: data-for-value exchanges, personal data negotiations and agent collaboration networks. Data is digital gold, yet its creators are not compensated for its use in training AI models. Imagine a new type of web crawler. But this time, instead of scraping content for free, it negotiates and pays other AI agents representing the data owners — publishers, platforms, creators — for access. These transactions are machine-to-machine and happen in milliseconds. With privacy regulations like GDPR and CCPA, individuals have more control over their data. In the future, consumers will deploy AI agents to manage and monetize their data. These agents could automatically reject any use of personal data (and save us from five clicks on each website we visit) or negotiate terms with companies seeking that data, granting access in exchange for compensation — again, small but frequent payments best handled by blockchain rails. Agents won’t act alone. A specialized travel planning agent may coordinate a complex itinerary. Still, it needs to consult other agents with deep knowledge, such as a hotel booking agent for Tahiti with real-time availability data. These agents will transact with one another, paying for services and data in a rapid-fire chain of collaboration, completing in seconds what used to take hours or days. This is the future of commerce: autonomous, collaborative and instantaneous.