Consumer Risk: Page 3

  • American Express business virtual cards payments small business
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    Justin Sullivan via Getty Images
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    Amex buoyed by big spenders

    The card network reported a 15% year-over-year increase in cardholder spending at luxury merchants.

    By • Feb. 2, 2026
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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
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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
  • apps embedded finance payments social media banking
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    Embedded finance to ‘explode’: panel

    Tucking financial services, like payments, into a broader range of consumer situations is about to take off, bank executives said Thursday.

    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
  • 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
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    Jeff Wells/Payments Dive
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    Amazon to halt palm payments

    The online retailer said all Amazon One palm readers will be removed from physical stores by June 3.

    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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    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
  • Gloved hand holds card reader device and illegal skimmer next to it.
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    Retrieved from U.S. Secret Service press release on website on January 26, 2026
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    Secret Service foils card skimmers

    The federal agency last year identified and deactivated some 400 illegal card reader inserts in major U.S. cities.

    By • Jan. 26, 2026
  • A Klarna sign at a Charlotte Premium Outlets mall in Charlotte, N.C. on March 26, 2022.
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    Caitlin Mullen/Payments Dive, data courtesy of Industry Dive employee Caitlin Mullen
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    Deep Dive

    How payment personalization could change the way we pay

    The emerging trend will require payment companies to jockey for position in payment suggestions offered by agentic shopping tools.

    By • Jan. 26, 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
  • 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
  • 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
  • BNPL Afterpay buy now pay later retail shopping consumers debt
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    Eduardo Munoz Alvarez via Getty Images
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    Afterpay tallies BNPL repayments

    Most Afterpay customers have repaid their Black Friday and Cyber Monday purchases, the company said, pushing back on consumer “debt spiral” concerns.

    By Tatiana Walk Morris • 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
  • A hand holds a smartphone displaying the Affirm app.
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    Courtesy of Affirm
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    Affirm to offer BNPL for rent

    The buy now, pay later player is one of the first to offer pay later installment financing for tenants paying their monthly rent.

    By • 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
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    Getty Images
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    Checkout.com grabs special banking charter

    The payments processor received conditional approval for Georgia’s merchant acquirer limited purpose bank charter.

    By • Jan. 12, 2026
  • President Donald Trump signs Genius Act with congressional members around him in White House room.
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    Win McNamee via Getty Images
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    Stripe to enable crypto payments

    A collaboration with Crypto.com announced Tuesday will allow consumers to make payments to merchants with digital currencies.

    By • Jan. 9, 2026
  • Fiserv Clover point of sale checkout processing AI
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    Sundry Photography via Getty Images
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    Fiserv’s Clover adopts biometrics

    Customers will be able to make payments by scanning their face or palm at merchants that use the subsidiary’s point-of-sale service.

    By • Jan. 7, 2026
  • Klarna BNPL IPO NYSE buy now pay later Walmart
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    Courtesy of Klarna Group
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    Klarna faces investor lawsuit

    The buy now, pay later company understated the risks of its consumer loans, the legal action alleges.

    By • Jan. 5, 2026
  • A Klarna sign at a Charlotte Premium Outlets mall in Charlotte, N.C. on March 26, 2022.
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    Caitlin Mullen/Payments Dive, data courtesy of Industry Dive employee Caitlin Mullen
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    Klarna, Shift4 embrace stablecoins

    Both companies announced stablecoin ventures in the past week.

    By • Dec. 23, 2025
  • A hand holding an iPhone showing the Apple Pay setup screen. The interface displays a Mastercard graphic with instructions for adding a card, and the phone is partially in its packaging against a warm yellow background.
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    Alamy
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    Fiserv, Visa unite on agentic tools

    The payment processor plans to partner with card networks, also including Mastercard, to cater to merchants navigating agentic commerce.

    By • Dec. 22, 2025