Payments. AI. Commerce. Decoded. 255 articles and counting.
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When AI agents shop on your behalf, they default to the card on file. That design choice was quietly killing alternative payment methods. Klarna, Affirm, and Stripe moved on the same day to fix it.
While the industry debates agentic commerce protocols, FIS quietly acquired 40 billion transactions a year of issuing infrastructure and launched the first bank-facing agent commerce platform. The bet: whoever controls the issuer side controls the agent era.
AI-powered chargeback prevention, dispute management, and recovery platforms for merchants and issuers. Independently reviewed.
AI-powered merchant risk intelligence and monitoring for payment processors and acquirers. Independently reviewed.
AI-powered fraud detection and prevention tools for payments and financial services. Independently reviewed.
The card networks face their biggest structural test yet.
Mastercard is retiring the card number. Visa is betting on biometrics. The EU is mandating digital wallets. For the first time, identity and payment credentials are merging into a single layer, and the fight over who controls it will reshape the industry.
Chargebacks911 and its sister platform Fi911 provide end-to-end dispute management for merchants, acquirers, and issuers. The Unified Dispute Management System (UDMS), launched in October 2025, is...
Unit21 provides a no-code platform for fraud detection, AML monitoring, case management, and regulatory filing. Through the Fintech Fraud Consortium, the platform covers over 10 percent of adult...
Sift powers fraud prevention, account security, and content integrity across the digital economy. Built on a global data network processing one trillion events annually, the platform delivers...
Alloy orchestrates 250+ data sources for identity and risk decisioning. We reviewed the $1.6B platform serving 700+ financial institutions.
14 of the top 30 global banks trust Duco for reconciliation. We reviewed the cloud-native AI platform replacing legacy financial tools.
Coris fills a genuine gap: continuous AI-powered merchant risk intelligence purpose-built for payment processors and embedded payments companies.
Paymentus argues the next competitive edge in digital payments is not faster rails or cheaper processing. It is service.
An open-source AI assistant went viral, spawned scams, deleted inboxes, and accidentally revealed how unprepared payments infrastructure is for a world where software spends money.
Revolut is targeting a $150 billion listing. Stripe just hit $159 billion in a tender offer. Together they represent a quarter of a trillion dollars in private fintech value, and neither is in any rush to go public.
Payments. AI. Commerce. Decoded.
Pagos expands its MCP server so merchants can query transaction data, approval rates, and fee breakdowns through Claude, ChatGPT, or Gemini. It is the first payments company to ship AI-native data access at scale.
Five protocols from five trillion-dollar companies, all shipping within weeks of each other. The race to own the trust layer for non-human buyers has started.
Frank Bisignano built the infrastructure that processes 44 percent of America's card payments. Now he is restructuring the agency that collects $5.1 trillion in taxes. The playbook is familiar. The stakes are not.
On 3rd January 2026, hours before U.S. Delta Force commandos seized Venezuelan President Nicolás Maduro from his compound in Caracas, a freshly created account on Polymarket placed a $32,000 bet. The wager? That Maduro would be out of power by month's end.
A few weeks ago, I wrote about watching my son play shopkeeper with his cousin, grabbing my iPhone to tap against her toy card machine rather than reaching for the plastic coins scattered across the floor.
My son is seven. Last week, he was playing shopkeeper with his cousin on our living room floor. There were toy coins scattered about, crumpled paper notes, even a little wooden cash register.