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!
Form3’s account-to-account payments platform uses a multi-cloud architecture and a single code base to deliver zero-downtime payment processing solution via a single API
Form3, the cloud-native account-to-account payments platform, announced it is the only provider in live production delivering zero-downtime payment processing via a true multi-cloud architecture and a single code base. The platform currently processes over £4 billion in annual transaction volume for tier one banks including Mastercard, Nationwide, Lloyds, and Barclays. Form3’s platform recently proved its resilience when a cloud provider experienced a 40-minute outage—without any interruption to service or dropped payments. The platform’s ability to seamlessly switch between Amazon Web Services (AWS), Google Cloud Platform (GCP), and Microsoft Azure ensures continuous availability and fault tolerance. This is critical in financial services, where even brief downtime can result in financial loss, regulatory exposure, and reputational damage. In addition to its multi-cloud strategy, Form3’s single code base ensures consistent, secure, and efficient software delivery for all customers. This unified architecture allows for universal deployment of updates, patches, and new features without the delays and risks associated with fragmented codebases. “Our platform offers banks and financial institutions a truly resilient, zero-downtime solution that’s secure, compliant, and scalable. With a single API and unmatched reliability, our customers can focus on expanding their reach and services without worrying about outage.”
Stripe services can now natively run on Verifone payment devices, to support commerce use cases such as self-service checkout and tableside ordering
Through this partnership, Stripe services will natively run on Verifone payment devices, offering Stripe customers even more flexibility and choice in deploying durable and performant in-person payments. Merchants can now support commerce use cases such as self-service checkout and tableside ordering by leveraging Verifone’s payment devices with Stripe Terminal, an in-person payments solution. Verifone and Stripe support digital wallets, QR codes on-reader, digital or printed receipts, and interactive screens for tipping, loyalty programs, customer signatures, and more. Stripe customers can choose from a broad range of Verifone devices—from multilane to handheld readers with built-in printers—designed to meet the needs of any in-person commerce experience. With powerful device management tools and dedicated support from Stripe and Verifone, merchants can confidently manage and scale their in-person payments with ease.
Meta is considering using stablecoins for cross-border payments; Instagram could integrate stablecoins to facilitate small payouts in the range of $100 to creators in different markets
Meta is reportedly considering adopting stablecoins as a way to make cross-border payments. The company is in discussions with crypto firms and is likely to use more than one type of stablecoin. The company is looking at stablecoins as a way to make cross-border payments without the fees associated with wire transfers and other payment methods. One executive at a crypto infrastructure provider suggested Meta’s subsidiary Instagram could integrate stablecoins to facilitate small payouts in the range of $100 to creators in different markets, which would result in lower fees than if paid by fiat currencies. They described Meta as being in “learn mode,” adding that Meta would likely be agnostic toward the type of stablecoin it used, rather than choosing one provider, such as Circle’s USDC. Meta announced the initiative — first called Libra and later named Diem — in 2019 but abandoned it in early 2022 when the initiative met with opposition from regulators and lawmakers. Meta’s interest in the technology reflects the growing interest in stablecoins among non-crypto companies, especially as congressional lawmakers debate two bills that would regulate stablecoins after years of regulatory uncertainty.
Cleo partners with Paystand to automate B2B payments- integrating the creation of sales orders, invoices, order-to-cash and accounts receivable (AR) processes directly with ERP, CRM, eCommerce, and accounting systems
Cleo announced a strategic partnership with Paystand, a B2B payments solution provider that works largely with retailers, manufacturers, distributors, and software vendors. Paystand can help retailers, manufacturers, distributors and software vendors automate their order-to-cash and accounts receivable (AR) processes, letting them collect revenue faster. Todd Kibisu, Channel Account Manager at Paystand. “Cleo’s platform automates the creation of sales orders and invoices in our customers’ ERP systems, and Paystand seamlessly takes over at this point by automating AR processes through the reconciliation of funds. Together, we’re enabling businesses to save time, reduce costs, and unlock new growth opportunities.” Through this collaboration, Paystand also delivers ecosystem integration to customers, offering: Streamlined Operations: Eliminate manual data entry for AR tasks and integrate directly with ERP, eCommerce, and accounting systems. Enhanced Visibility: Comprehensive views of payment transactions, improving tracking, reducing fees, and mitigating risks. Improved Customer Experience: Integration with CRM systems enables better customer support, communication, and overall management.