Disputes are no longer just a back-office issue, said Shane Malloy, vice president of Value Added Services at Visa DPS. Visa DPS sees artificial intelligence (AI) as key to changing the game. “AI is really going to allow us to shift dispute [management] from being a really more of a reactive approach … to more of a proactive approach,” Malloy said. AI can triage cases, help with proper classification, and route them to the right teams. Visa DPS is also helping issuers flag recoverable cases and automate evidence gathering to reduce unnecessary write-offs. “Every inquiry that we have is an opportunity for us to help recover value for our issuers, reinforce trust and the AI aspect of that now makes that really scalable,” Malloy said. Malloy points to agentic AI as particularly powerful. Disputes involve unstructured data, multiple intake channels, and regulatory deadlines, making them ideal for automation that goes beyond simple fraud scoring. Use cases include auto-classification, evidence validation, and predicting the likelihood of resolution. “Technology’s allowing us to do things on the Visa DPS side to help clients as far as automating the documentation they need, to detect anomalies … and maintain those audit trails,” Malloy said. He advised issuers to look for AI-first partners who can connect the entire customer journey, from fraud alerts to digital card issuance. “Make sure as you’re doing this, you’re working with partners that have that connectivity that you can connect the customer journey end to end,” he said. Ultimately, Visa DPS aims to resolve disputes as quickly as possible.
WhatsApp’s Business AI combines secure in-app payment processing with centralized campaign management for small businesses, enabling QR code generation and AI-powered cross-platform budget allocation through ML algorithms
Meta will let small businesses offer a payment option within the WhatsApp Business App. “Building on our existing capabilities, we are introducing the ability for small businesses to offer a secure and convenient payment option directly within the WhatsApp Business app. Available on the app, small businesses can now quickly share QR codes in one tap for fast and efficient sales closures, enabling customers to pay directly within WhatsApp using their preferred payment method. We have also introduced a new feature enabling users to call larger businesses directly from the app with a single tap, or receive calls from businesses they’ve requested to hear from. This calling capability is particularly beneficial for times when people have a complex inquiry and need to speak to a customer support executive. This feature is available to all businesses on the WhatsApp Business Platform in India, and starting soon, we will also make it possible to send and receive voice messages for additional support or make a video call, which can be helpful for things like a telehealth appointment. Businesses in India can now create and manage their marketing strategy across WhatsApp, Facebook, and Instagram – all in Ads Manager. This will allow businesses to use the same creative, setup flows, and budgets in one central place. Once onboarded, businesses can upload their subscriber list and either manually select marketing messages as an additional placement or use Advantage+, and Meta’s AI systems will then optimize budgets across placements to maximize performance. Small businesses can now use both the WhatsApp Business App and the WhatsApp Business Platform simultaneously without changing their phone number. This provides significant flexibility and scalability for businesses that are scaling and growing at a faster pace.”
Kredete launches Africa’s first stablecoin-backed credit card with USDC settlement and API-based infrastructure; serving 41+ countries and real-time blockchain Visa integration
Kredete has raised $22 million to help African immigrants in North America and Europe build credit and send remittances via stablecoin payments. Kredete combines international money transfers with a proprietary credit-building engine, enabling users to send money to over 30 African countries while improving their credit history in the US and beyond. The firm has built API-based infrastructure to help businesses make secure cross-border payments into Africa, leveraging modern payment rails and stablecoin technology. With the financing in place, it is set to expand into Canada, the UK and key European markets, as well as introduce new features like rent reporting, credit-linked savings plans, and goal-based loans. At the core of this expansion is Africa’s first stablecoin-backed credit card, set to roll out across 41+ countries, enabling users to spend, build credit, and avoid foreign exchange fees. This will be complimented by interest-bearing USD and EUR accounts to help users preserve value and hedge against local currency volatility.
VoPay integrates real-time PayPal and Venmo payouts into its unified API platform enabling businesses to reach over 400 million digital wallet accounts
VoPay announced an extension of its payment orchestration platform with real-time payouts to PayPal and Venmo. Effective immediately, businesses in North America can send funds directly to PayPal and Venmo accounts, unlocking faster, more flexible, and highly inclusive payout options. With this launch, VoPay customers can reach hundreds of millions of active digital payment account holders through a single API-first integration. This integration into VoPay’s platform strengthens VoPay’s vision of offering every major payment rail and wallet through one embedded payments infrastructure. With PayPal and Venmo payouts, VoPay helps businesses: Expand Market Reach: Serve customers who prefer trusted wallets for convenience, security, and speed. Optimize Payout Success Rates: Improve payout success by offering additional account options through a unified API. Boost Satisfaction & Loyalty: Offer end-users instant, flexible choices for receiving funds, reducing friction, delays, and support overhead. Maintain Operational Control: Leverage VoPay’s advanced settlement reporting, reconciliation, and compliance framework across all payout methods.
Trustly integrates open banking network with JOI Gaming providing instant payouts and encrypted transfers reducing fraud risk for Dutch gambling market
JOI Gaming has picked Trustly as its main payment provider for the Dutch market. The partnership is designed to allow for instant payouts and seamless deposits into iDEAL, the Dutch instant payment system. Using Trustly’s open banking network and access to Dutch instant payment schemes, JOI gaming players can withdraw winnings around the clock, with money sent directly to their bank accounts in real time. Aside from the speed of the payouts, Trustly and JOI say their collaboration bolsters player trust, with Trustly’s direct, encrypted transfers reducing the risk of fraud and supporting strong KYC and AML requirements. “The partnership with JOI gaming strengthens our position as the leading payment provider for online gambling in The Netherlands,” said Vasilije Lekovic, vice president of gaming at Trustly said “With instant payments, iDEAL, and open banking data in one package, we’re confident we’ll add value for JOI gaming and its players.” With industry data showing that players view payout speed as critical, this move positions JOI gaming ahead in a highly competitive market.
Crypto neobank Shield helps exporters accept payments from international buyers in USDT stablecoins and settle them as same-day U.S. dollar wires
Shield raised $5 million in seed funding to continue building its neobank for global trade businesses. The company helps exporters accept payments from international buyers in USDT stablecoins and settle them as same-day U.S. dollar wires. “Businesses get the speed and cost savings of blockchain payments without the constant fear of account closures and unwarranted delays. It also enables them to trade in entirely new markets.” Shield processed over $150 million in cross-border payments in its first year and $40 million in the last month alone. With its new funding, the company will expand its licensing coverage, strengthen compliance, launch “USDT-friendly” bank accounts and other banking products, and enter new trade industries. “We see a world where global trade payments are as fast as domestic wires, where compliance opens doors rather than closes them, and where exporters from every corner of the world can enjoy a banking and payments experience that finally optimizes for them,” Shield said. “Shield will build the infrastructure to make it happen—and this raise is just the start.” Shield’s banking services are provided by Cross River Bank and Lead Bank through licensed partners, according to the post.
SpotOn launches DayCheck enabling one-click tip approvals and instant employee payouts, while eliminating manual calculations and separate account prefunding
SpotOn, the restaurant management system, announced the launch of DayCheck, a new earned tip solution that simplifies tip payouts and cash flow, while boosting employee satisfaction. With DayCheck, operators can skip manual calculations, cash handling, and delayed payouts. Integrated into SpotOn Teamwork, DayCheck automatically calculates tips. Managers can approve tips with a click and payouts are sent to employees rapidly. Unlike other providers, DayCheck does not require the restaurant to prefund the tips in a separate account. The digital-first process reduces a time-consuming task (and headaches) for operators and streamlines cash flow for the business, all while making tip distribution faster and more transparent for employees. For employees, DayCheck means greater control over their hard-earned tips. Instead of waiting for payday, approved tips appear in their DayCheck app, with options for no-fee transfers or rapid transfers for a small fee. A SpotOn debit card offering free rapid payouts for employees at no expense to the business will be available soon, offering even more flexibility. “DayCheck is about making life easier for operators,” said Matt Hyman, CEO at SpotOn. “Owners get a solution that enhances their cash flow and streamlines operations, while employees gain the flexibility to access their money when they need it. It’s a win-win for restaurants looking to attract and retain staff in today’s competitive labor market.”
Stable, a L1 blockchain network secures PayPal investment to enable PYUSD integration with Stablechain’s ultra-fast processing and reduced fees; targeting dollar-based payments in emerging markets
Stable, the layer 1 blockchain network powered by USDT and designed to achieve seamless financial transactions through stablecoins, announced that users will be able to utilize PayPal USD (PYUSD), a stablecoin issued by PayPal and pegged 1:1 to the US Dollar, for commerce and financial transactions on the Stablechain. Additionally, PayPal Ventures, the global venture arm of PayPal, has invested in Stable’s latest funding round. Stable’s integration of PYUSD into the Stablechain will use LayerZero’s recent integration to bridge blockchains programmatically. The combination of Stable’s ultra-fast network processing speeds and reduced fee structure provides for near instant finality along with economics that are beneficial for use in commerce related transactions. Stable will also explore efforts to provide cross-chain compatibility and onramp/offramp capabilities for PYUSD, unlocking new use cases for the stablecoin across different blockchain ecosystems. Stable and PayPal have also agreed to explore potential future products developed around payments and stablecoin utility in the coming months. David Weber, Head of PYUSD Ecosystem, PayPal. “Together, we will unlock new commerce-related use cases for PYUSD, furthering adoption of stablecoins within the greater financial ecosystem.”
Toyota, BYD and Yamaha accept QR code-based USDT (Tether) large payments in Bolivia through BitGo custody, as dollar reserves collapsed 98% from $12.7 billion to $171 million
USDT-payments are now available in Bolivia at Toyota, BYD, and Yamaha, connecting crypto with the sale of cars and their faster and safer process through BitGo and Towerbank. In Bolivia, Toyota, BYD, and Yamaha allow paying with USDT to purchase a vehicle or services, which was verified by the Tether CEO, Paolo Ardoino, on X. This is an initiative between ToyoTa S.A. and Crown Ltda., BitGo Trust Company, and Tether, as well as Towerbank. Customers may now buy vehicles, auto parts, and services with the USD -USD-stablecoin of Tether. Trades are completed on a fast and secure QR code-based payment platform supported by institutional custody by BitGo and crypto-friendly operations by Towerbank. USDT is currently used, and this is the case after Bolivia officially recognized virtual assets and removed a crypto ban in 2024. The transactions of cryptocurrencies in the country increased by 630 percent during the first half of 2025. The auto market in Bolivia alone will amount to more than 500 million dollars, of which the SUVs will constitute 327.7 million of this amount. This makes this payment option a significant breakthrough in selling high price products. The move was a new way of conducting business to make it easier to purchase vehicles. The integration of stablecoins will provide customers with unprecedented speed, security, and financial flexibility, to customers who may not have access to cash. Tether applauded this partnership because it demonstrated the practicality of stablecoins in the auto sector of Latin America.
Survey shows Direct Deposit dominates payday with 92.7% adoption while 78% of Americans would face financial difficulty if paychecks were delayed by one-week
In its 2025 “Getting Paid in America” survey, PayrollOrg (formerly the American Payroll Association) found that nearly 92.7% of respondents said their wages come via Direct Deposit. That’s up from 91.9% in last year’s report. Paper paychecks remained a distant second choice. Just 3.3% of those surveyed this year reported receiving a paper check, down 0.4% from 2024. “Direct Deposit is safer, faster, and far more convenient than a paper check,” said Michael Herd, Nacha Executive Vice President, ACH Network Administration. “The federal government is in the process of phasing out the last of the paper checks it issues and moving toward fully electronic payments. Private employers should follow that lead.” Other ways of receiving pay reported in this year’s survey include an online system such as PayPal or Venmo (1.8%) and prepaid reloadable cards and payroll cards (0.6% each). Asked how difficult it would be to meet financial obligations if their wages were delayed a week, half of respondents said very difficult with another 28% saying somewhat difficult. Were such a delay to occur, 29% said they would turn to family, friends or savings, 26% would delay bill payments, and 25% would use credit cards. “While Direct Deposit doesn’t experience delays, automating payroll savings by Direct Deposit can help with unexpected expenses,” Herd noted.