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.”
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.
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.”
dLocal’s platform enables PayPal Enterprise Payments, previously known as Braintree, cto easily accept cards and process local and alternative payment methods across Latin America, EMEA, and APAC markets
dLocal, a cross-border payment platform for emerging markets, has expanded partnership with PayPal to offer businesses access to payment processing and local payment methods in more than 40 new untapped emerging markets. By leveraging dLocal’s platform, global customers of PayPal Enterprise Payments, previously known as Braintree, can now easily accept cards and process local and alternative payment methods across Latin America, EMEA, and APAC markets without needing to establish local entities. dLocal’s platform will handle both B2B and B2C payment flows, making it easy for businesses to connect with local customers and suppliers. As a result, merchants will gain access to a number of potential benefits including: Access to new, global customers: Integration will provide businesses with quick access to new global customers without having to establish a local entity or pay cross-border fees. Lessen tech debt and complexity: Businesses looking to process in these new markets can leverage their existing PayPal Braintree’s integration – and their stored cards – to process locally with minimal engineering and integration resources required. Increased authorization rates; and One source of truth: Businesses will have access to one single platform to manage local and international payments.
Chargeflow AI-first embedded chargeback solution delivers a native chargeback solution that best suits their product experiences and user workflows for the payments ecosystem
Chargeflow has launched Chargeflow Connect . This infrastructure-agnostic solution enables any payment providers, payment facilitators, ISOs, or fraud prevention platforms to offer natively integrated, end-to-end chargeback automation, alerts, and insights. With Chargeflow Connect, payment platforms can launch a full suite of chargeback automation solutions in weeks. Whether through a hosted UI with 1-click SSO or a fully embedded, white-labeled API integration, platforms have full branding and technical flexibility to deliver a native chargeback solution that best suits their product experiences and user workflows, all backed by Chargeflow’s market-proven AI infrastructure trusted by dozens of platforms, and 15,000+ merchants worldwide, protecting 100’s of billions transactions annually. he launch of Chargeflow Connect is about enabling the entire ecosystem to solve the fast-growing, widespread friendly-fraud problem. By offering integrated chargeback management solutions with end-to-end automation, platforms unlock new revenue streams while making it effortless for merchants to stay on top of chargebacks with a streamlined process, a unified view with AI insights, and intelligent autonomous chargeback handling. It’s a win-win-win for everyone.
Balance’s new RTP-powered Instant Bank Connection allows buyers to link their accounts using only routing and account numbers
Balance, the financial infrastructure platform for B2B commerce, launched Instant Bank Connection, a new capability powered by Real-Time Payment (RTP) rails that simplifies ACH setup for buyers and speeds up payments to merchants—improving cash flow and reducing processing costs. Balance’s new RTP-powered Instant Bank Connection capability allows buyers to link their accounts using only routing and account numbers. This real-time verification streamlines the buyer experience while giving merchants immediate payment confirmation, faster payouts, improved cash flow, and the ability to release goods sooner with confidence—accelerating fulfillment and strengthening customer relationships. Balance’s RTP-powered bank connection is more than just a faster onboarding method—it’s a strategic lever for B2B merchants looking to scale with efficiency. By making ACH payments as seamless as cards, merchants can unlock significantly lower processing costs. By combining RTP-powered bank verification with AI-powered credit management, billing, collections, and cash application, Balance empowers merchants to reduce overhead, improve cash flow, and scale with confidence. Bar Geron, CEO and Co-founder of Balance said “With RTP-enabled ACH payments, they can reduce costs and accelerate access to funds—all while giving buyers a smooth, payment experience.”
Marqeta’s processing volumes surge 27% on card issuance; that non-Block TPV grew at 2x faster than Block TPV
Marqeta’s first quarter results surged across several metrics as new and existing card issuance programs grew on a global stage across debit and credit channels, and the company’s platform gains a tailwind as it enables new BNPL and embedded finance offerings. Total processing volume (TPV) of $84 billion was up by 27%. Forward looking guidance looks for net revenue growth in the range of 13% to 15%. Mike Milotich, interim CEO and CFO, said that net revenue growth of 18% to $139 million. Beyond Block (the company’s largest customer at 45% of Marqeta revenues), Milotich said that non-Block TPV grew at 2x faster than Block TPV, “fueled by a wide range of customers across several use cases. Consistent with the last several quarters, financial services, lending including buy now, pay later, and expense management drove the bulk of our TPV growth.” Lending and expense management TPV continued to grow over 30% “and both accelerated a bit from last quarter,” given a boost by the combination of Klarna’s migration to the Marqeta platform in Europe, and “our BNPL customers benefiting from the increased adoption of Pay Anywhere card solution and distribution through wallets, both are supported in part by newly available flexible network credentials and strong user growth among SMB lending solutions.” He also said that despite a challenging macro environment, there has not been a spending shift across the platform, telling analysts, “Breaking down the spend by low, medium and high discretionary TPV based on merchant category reveals no meaningful shift in the mix of spending in Q1 versus the past several quarters.”
Elavon and Jscrambler partner to strengthen PCI DSS compliance for merchants for requirements of 6.4.3 and 11.6.1
Elavon and Jscrambler have partnered to help merchants comply with PCI DSS requirements 6.4.3 and 11.6.1. Through this agreement, Elavon’s network of more than 400 merchants can leverage Jscrambler’s Client-Side Protection and Compliance Platform to safeguard their business from escalating web skimming attacks. Using Jscrambler’s Client-Side Protection and Compliance Platform and PCI DSS solution, merchants can meet PCI DSS requirements while preventing web skimming attacks, securing payment pages, and maintaining compliance efficiently. Now, through this collaboration, the two companies combine Elavon’s extensive experience as a global leader in payment processing with Jscrambler’s innovative technologies to address the critical need for robust payment security. Jscrambler’s PCI DSS solution delivers the following capabilities: Script Management: Auto-discovers and authorizes payment page scripts, reducing manual approvals by grouping vendor behaviors. Skimming Prevention: Blocks unauthorized data access in real-time, protecting against web skimming and formjacking. Tamper Detection: Monitors HTTP headers and page content, alerting on unauthorized changes via email, SIEM, or Slack. Hybrid Architecture: Supports agentless and agent-based deployment for flexibility, enabling rapid compliance for complex or acquired payment pages. PCI DSS Expertise: Provides direct access to former PCI Security Standards Council members and a strong bench of PCI DSS experts. QSA Alliance Program: Provides access to enablement sessions, assessor forums, and inventory reports to streamline audits. Andrew McCarroll, PCIP Customer Payment Security Executive, Elavon said “By partnering with Jscrambler, Elavon is offering merchants easy access to Jscrambler’s PCI DSS solution.”
Stripe launches stablecoin accounts and AI foundation model to improve fraud detection and authorization rates trained on “subtle signals” per payment, which specialized models cannot capture
Among these, the company debuted an AI foundation model to improve fraud detection and authorization rates. Dubbed the Payments Foundation Model, it is trained on tens of billions of transactions and incorporates hundreds of “subtle signals” per payment, which it said specialized models cannot capture. The technology firm plans to deploy this model across its payments suite to improve performance in ways that were previously unattainable. Stripe stated that early results indicate the model’s effectiveness, particularly against card testing attacks, where it increased detection rates beyond the 80% reduction achieved over two years with previous models. By applying the new foundation model, Stripe increased its detection rate for attacks on large businesses by 64% practically overnight. In parallel, Stripe expanded its money management offerings with the launch of Stablecoin Financial Accounts, powered by stablecoins. Businesses using these accounts can hold balances in stablecoins, receive payments via both crypto and traditional fiat rails such as ACH and SEPA, and send stablecoins to most markets globally. These accounts are designed to be accessible to businesses in 101 countries. Initially, the accounts will support stablecoins USDC and Bridge’s USDB, with plans to incorporate additional currencies over time. Stripe also announced a deeper partnership with NVIDIA, which completed the fastest-ever migration to Stripe Billing.
Perpay taps Marqeta to offer fully integrated digital-first cardholder experience from application to card issuance and spending, enabling instant issuance of virtual and tokenized cards
Marqeta has been selected by Perpay to power its Perpay Credit Card (issued by Celtic Bank), an unsecured credit card designed to help users build or improve their credit by automating payments directly from their paycheck. By linking paychecks, users can ensure automatic balance payments, staying on top of finances while strengthening their credit. Deploying Marqeta’s platform enables Perpay to scale its credit card services while maintaining control over the user experience, gaining customer insights, and leveraging modern credit capabilities. Marqeta’s all-in-one credit system lets Perpay deliver a fully integrated digital-first cardholder experience that aligns with its brand, enhancing engagement and loyalty. Perpay can unify and customize every touchpoint—from application to card issuance and spending—allowing instant issuance of virtual and tokenized cards. It can also access real-time cardholder data and spending controls, offering valuable insights to help users manage finances efficiently. Additionally, Marqeta’s flexible rewards engine allows Perpay to personalize rewards based on individual spending data. This enhances its offerings, helping users earn more to spend within Perpay’s marketplace, keeping customers engaged while reinforcing financial stability. Let me know if you’d like any refinements!