Regulations & Policy

  • China Visa P2P payments remittances crossborder
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    Kevin Frayer via Getty Images
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    Visa pushes real-time payments into China

    The company is partnering with UnionPay International to bring direct payments to debit cardholders in one of the largest remittance markets.

    By • Feb. 3, 2026
  • A hand holds a smartphone displaying the Affirm app.
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    Courtesy of Affirm
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    Why some payments companies want to be banks

    Banking charters let those companies streamline their services and save money by not partnering with banks.

    By • Feb. 3, 2026
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    Getty Images
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    Trendline

    Payments industry seeks to keep pace with fraudsters

    As losses from fraud in payments have climbed, companies are seeking new tools to combat illicit schemes.

    By Payments Dive staff
  • The state capitol in Augusta, Maine
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    Getty Images
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    Maine, DC weigh EWA regulations

    Supporters of earned wage access are seeking to shape regulation being considered in Maine and the District of Columbia.

    By • Feb. 2, 2026
  • A close up of a man's hand holding a phone displaying a conversation with a chatbot.
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    Charting 2026 payments trends

    Here are 4 stories that round up our deep dive outlook for this year, including coverage of agentic payments, fraud and personalization.

    By • Jan. 30, 2026
  • A logo of Square, inc. is displayed on a metal sign tht is positioned infront of a commerical building.
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    Alamy
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    Block opens Dublin office

    The location, announced Thursday, will include a demonstration lab to show off products to potential European customers.

    By • Jan. 30, 2026
  • Attendees at the Money 20/20 financial services conference in Las Vegas last year.
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    Lynne Marek/Payments Dive
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    Mastercard reworks Cap One pact

    The card network's CEO said the company signed a new agreement with Capital One, reaffirming ties despite the bank’s purchase of rival Discover.

    By • Jan. 29, 2026
  • Fiserv headquarters
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    Courtesy of Fiserv
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    Fiserv sued over alleged lax security

    A Tampa credit union alleged that the processor failed to protect customers from cyber hacks, but charged extra fees for a security upgrade.

    By • Jan. 29, 2026
  • agentic commerce AI payments fraud retail sales merchants
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    Getty Images
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    Deep Dive

    Bot payments lag in agentic commerce

    Within the emerging world of agentic commerce, a broad gap exists between bot shopping and autonomous payments.

    By • Jan. 29, 2026
  • A man waves an American flag as he walks outside the Missouri State Capitol building in Jefferson City.
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    Michael B. Thomas via Getty Images
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    State legislatures mull remittance restrictions

    Battle lines are being drawn in Florida and Missouri over legislation that would bar money transfer firms from servicing “unauthorized aliens.”

    By • Jan. 28, 2026
  • earned wage access lawsuits New York Attorney General Letitia James paychecks
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    Natasha Moustache via Getty Images
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    DailyPay seeks to dismiss NY lawsuit

    The earned wage access provider and MoneyLion cited a federal agency opinion last month in asking judges Friday to dismiss the New York AG’s complaints.

    By • Jan. 27, 2026
  • Visa Mastercard credit cards interchange fees merchants
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    Getty Images
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    Credit card delinquencies drop, says Fed bank

    The decline happened even as U.S. consumers spent more on their credit cards, data from the Federal Reserve Bank of Philadelphia shows.

    By • Jan. 27, 2026
  • Seated man speaking with New York Times logo in background and the name 'Max Levchin'
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    Neilson Barnard via Getty Images
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    Affirm seeks Nevada bank charter

    The company said Friday that it submitted applications to state and federal regulators to start Affirm Bank.

    By • Jan. 23, 2026
  • Jamie Dimon JPMorgan Chase credit cards interest rates Trump
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    Alexander Tamargo via Getty Images
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    JPMorgan CEO mocks card rate cap idea

    The government should impose a 10% credit card interest rate freeze in Massachusetts and Vermont as an experiment, CEO Jamie Dimon said.

    By • Jan. 22, 2026
  • Klarna BNPL IPO NYSE buy now pay later Walmart
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    Courtesy of Klarna Group
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    Klarna to offer after-purchase BNPL

    Shoppers will be able to convert purchases into installment loans after the transaction, the company said Tuesday.

    By • Jan. 21, 2026
  • In the foreground is a computer screen displaying an animated image of a girl, and in the background people stand with their hands up on their heads.
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    Ezra Acayan / Stringer via Getty Images
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    Deep Dive

    Payments fraud risks burgeon with AI

    The artificial intelligence threats are mounting, but so are the defenses, as new industry trends take hold, from agentic commerce to passkey adoption.

    By • Jan. 21, 2026
  • Wyoming stable token cryptocurrency state government
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    Getty Images
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    Wyoming has big plans for stablecoin

    The first state-issued stable token is being deployed to reduce card interchange costs and simplify payments to vendors.

    By • Jan. 21, 2026
  • Person placing credit card into machine at gas pump.
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    Justin Sullivan/ via Getty Images
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    Consumers push back on swipe fees: survey

    A third of merchants reported customers cancelling purchases when a credit card surcharge is included in their bill, analytics firm J.D. Power found.

    By • Jan. 20, 2026
  • credit cards fees Visa Mastercard merchants swipe litigation networks
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    Michael M. Santiago via Getty Images
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    Merchant lawyers laud surcharge option

    Lawyers for merchants suing Visa and Mastercard over fees reiterated support for a settlement that may saddle consumers with added cost.

    By • Jan. 20, 2026
  • The Federal Trade Commission emblem on the Constitution Center in Washington, D.C.
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    Laurel Deppen/Payments Dive
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    FTC blasts payments processor Cliq

    The Federal Trade Commission lashed out at the firm formerly known as CardFlex, saying this week it should pay $52.9 million to consumers.

    By • Jan. 16, 2026
  • fraud ID theft mobile phones technology biometrics
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    PayPal alums build fraud startup

    Veterans from the digital payments pioneer founded Pinch AI and have raised capital for a business that detects fraudulent returns.

    By Tatiana Walk-Morris • Jan. 15, 2026
  • Ritchie Torres earned wage access fintechs regulation Congress
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    Michael M. Santiago via Getty Images
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    House Democrat joins EWA effort

    Earned wage access providers support a forthcoming bipartisan House bill that would provide federal regulation, overriding state laws.

    By • Jan. 15, 2026
  • fintechs JP Morgan Chase open banking APIs
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    Joe Raedle via Getty Images
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    Trump interest cap might spur lawsuit

    The CFO of the largest U.S. lender, JPMorgan, doesn’t rule out potential litigation by the banking industry to block any credit card interest rate cap.

    By Caitlin Mullen • Jan. 14, 2026
  • Visa Mastercard credit cards interchange fees merchants
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    Getty Images
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    Credit Card Competition bill wins Trump support

    Sens. Dick Durbin and Roger Marshall reintroduced their proposal calling for more competition in the card network industry after the president endorsed it.

    By , • Updated Jan. 13, 2026
  • A close-up of Russell Vought, Director of the Office of Management and Budget, shows him looking up.
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    Anna Moneymaker / Staff via Getty Images
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    Vought concedes on CFPB funding

    The CFPB’s acting director requested $145 million from the Federal Reserve to carry out agency duties for the fiscal second quarter, but noted he disagreed with a judge’s decision ordering the agency to do so.

    By Caitlin Mullen • Jan. 13, 2026
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    Anna Moneymaker / Staff via Getty Images
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    Trump proposes card rate cap; banks eschew idea

    The president said he’d like a 10% cap on credit card interest rates for a year, starting this month, but banks said it would be “devastating” for consumers.

    By • Jan. 12, 2026