PYMNTS Study

Payment Data Can Keep Merchants Tied to Their Processors

Payment Data Can Keep Merchants Tied to Their Processors
Payment Data Can Keep Merchants Tied to Their Processors
October 20, 2026  |  Payment Methods

A merchant can negotiate a better payment processing rate and still face an expensive move if its saved customer credentials are tied to its existing...

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Banks’ Growing Fraud Tech Stacks Create an Integration Challenge
Banks’ Growing Fraud Tech Stacks Create an Integration Challenge
October 20, 2026  |  Cybersecurity

Banks have plenty of fraud technology, but getting all of it to work as a cohesive line of defense is becoming a problem. The PYMNTS...

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At 12, Apple Pay Has Yet to Break the Card Habit In-Store
At 12, Apple Pay Has Yet to Break the Card Habit In-Store
October 20, 2026  |  Digital Payments

Your phone can handle the checkout. Your hand may still reach for the same old card. Twelve years after Apple Pay arrived, mobile wallets are...

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Scams Capture 22.4% of Fraud Dollars as Banks Adjust Defenses
Scams Capture 22.4% of Fraud Dollars as Banks Adjust Defenses
October 16, 2026  |  Fraud Prevention

Banks have an opportunity to strengthen fraud prevention by looking more closely at payments that arrive with a valid login or a customer’s approval. That’s...

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BNPL Providers Look Beyond Grocery for More Wallet Share
BNPL Providers Look Beyond Grocery for More Wallet Share
October 15, 2026  |  BNPL

The buy now, pay later (BNPL) wallet is crowded, and grocery purchases show just how much the leading providers already overlap. Between 87% and 96%...

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Nearly 9 in 10 Card Issuers Turn to AI to Stop Fraud Without Blocking Sales
Nearly 9 in 10 Card Issuers Turn to AI to Stop Fraud Without Blocking Sales
October 15, 2026  |  Fraud Prevention

For card issuers, artificial intelligence is moving closer to the transaction itself. Eighty-nine percent of issuers plan to adopt or expand at least one AI...

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Credit Unions Could Land More FinTech Partners by Simplifying Onboarding
Credit Unions Could Land More FinTech Partners by Simplifying Onboarding
October 14, 2026  |  Credit Unions

A FinTech that wants to sell to 10 credit unions can face 10 separate onboarding processes. For a market made up of thousands of individual...

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33% of US Shoppers Use Digital Wallets Online
33% of US Shoppers Use Digital Wallets Online
October 14, 2026  |  Consumer Insights

Merchants could keep more ready buyers at checkout by accepting the digital wallets those shoppers already use, with wallet gaps putting roughly 36 million U.S....

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