Connecting the dots in payments...

Rakuten Viber introduces ViberPay—bringing payments into messaging Messaging app Viber is expanding its capabilities with ViberPay, an e-wallet platform set to launch later this year. This new feature will enable users to send money directly within the app, streamlining transactions without the need for third-party payment platforms. ViberPay’s upcoming features include: ✅ QRPH payments for seamless transactions ✅ Credit and debit card integrations ✅ International remittances for cross-border transfers Viber is currently securing licenses and regulatory approvals, with strong user interest already—around 1 million users have pre-registered for ViberPay. With this move, Viber is integrating payments and financial services directly into its platform, enhancing user convenience and functionality. Source: https://lnkd.in/d6cVrQpG 🔗 Get the most important Payments news and analysis in a 5 minute daily briefing you’ll actually look forward to reading. Sign up now: https://lnkd.in/gNimrjeR

Citi 𝗜𝗡𝗧𝗥𝗢𝗗𝗨𝗖𝗘𝗦 𝗕𝗡𝗣𝗟 𝗧𝗢 Apple Pay Citi is expanding its buy now, pay later (BNPL) offering by integrating Citi Flex Pay directly into Apple Pay. 𝗞𝗘𝗬 𝗙𝗘𝗔𝗧𝗨𝗥𝗘𝗦: ► Split purchases into fixed monthly payments ► No fees, no interest—just flexible financing ► Earn Citi Rewards while paying over time ► Available for purchases of $75+ in online and in-app transactions How it works: Citi Flex Pay is built into eligible Citi credit cards, allowing cardholders to opt in at checkout—no additional credit check or application needed. While the default option is a 3-month plan, longer terms are available with a monthly fee. Why now? This move follows Apple’s decision to phase out Apple Pay Later in favor of third-party BNPL integrations. Citi is leveraging ChargeAfter’s Lending Hub, which connects banks, merchants, and lenders to streamline the BNPL experience. The future of payments is all about embedded finance—and Citi is making its move. Will BNPL through traditional banks gain traction over fintech-led offerings? Let’s discuss. 👇 Source: https://lnkd.in/dT_U5ejF

🚨 𝗦𝗵𝗶𝗳𝘁 𝗶𝗻 𝘁𝗵𝗲 𝗔𝟮𝗔 𝗟𝗮𝗻𝗱𝘀𝗰𝗮𝗽𝗲: Vyne to Exit UK Market London-based A2A payments platform Vyne has announced it will wind down its UK operations on April 22, following its acquisition by Middle Eastern fintech Tarabut. The decision aligns with a broader global strategy by Vyne’s new shareholders, prioritizing markets where the platform’s technology can have the most significant impact. While the UK is no longer part of Vyne’s immediate plans, this move signals an exciting chapter for its proven A2A payment capabilities in regions like Bahrain, Saudi Arabia, and the UAE as Open Banking regulations evolve. Founded in 2019, Vyne quickly gained traction with partners such as Salesforce, RemitOne, and BigCommerce. The company raised $15.5 million in seed funding and was acquired by Tarabut in September 2023 to expand A2A payments in the Middle East. This shift underscores the dynamic nature of the Open Banking and payments ecosystem—where strategic pivots, market realignments, and technological expansion continue to reshape the industry. What are your thoughts on this move? Does it signal a consolidation of A2A players into regional strongholds? Let’s discuss. ⬇️ Source: https://lnkd.in/dWdUDBSS 🔗 Get the most important Payments news and analysis in a 5 minute daily briefing you’ll actually look forward to reading. Sign up now: https://lnkd.in/gNimrjeR #payments #paytech #digitalpayments #openbanking #fintech #fintechnews #financialtechnology

𝘿𝙞𝙙 𝙮𝙤𝙪 𝙠𝙣𝙤𝙬? Zelle is the first P2P payment app to cross $𝟭 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻 in TPV and it's growing much faster than its rivals 🤯

🚨 𝗡𝗲𝘄𝘀 𝗙𝗹𝗮𝘀𝗵: Volt.io Partners with Pay.com to Enhance Open Banking Offering: The partnership between Volt's real-time payment capabilities and Pay.com's advanced payment orchestration creates a streamlined global payments and open banking solution that simplifies payment processing for merchants and customers alike. As open banking continues to be widely utilised as one of the world’s most popular payment options, with its growth reaching 69% year-on-year in 2023, loyalty and trust amongst customers is contingent on what they’re immediately visually presented with. One common challenge in open banking is ensuring that checkout bank payment options match customer expectations. Showing irrelevant options, such as displaying a Swiss bank to a UK-based customer, can create confusion, undermining trust and leading to higher transaction abandonment rates. The Pay.com and Volt integration dynamically displays only the banking options linked to the customer’s financial profile. This is achieved by securely identifying the customer through pre-authorised credentials and previously granted consent, and filtering out inapplicable options. By simplifying the selection process and showing only relevant banks, our joint solution increases familiarity and feeling of trust and safety within the transaction. Global Head of Partnerships, Kim De Jesus, at Pay.com commented on the partnership: “Partnering with Volt has been a remarkable experience. The agility and efficiency demonstrated by both organisations allowed us to go from signing to launch in under a year, a testament to our shared commitment to delivering exceptional solutions. Echoing Kim’s words, Elaine Smith (Pakes), Head of Partnerships at Volt agreed: “Collaborating with Pay.com has been seamless and rewarding. The speed and ease of going live earlier this year underscore the synergy between our teams and our shared vision for providing safer, more relevant payment experiences. This partnership not only strengthens our position in the marketplace but also enhances the value we offer to merchants and customers. “What makes this collaboration truly special is the alignment of our core values - accessibility, global reach, and innovation. We’re excited to deepen our strategic partnership with Pay.com as we explore early-stage solutions that redefine the payments landscape.” Source/more info: https://lnkd.in/ddSV5vi6 Get the most important Payments news and analysis in a 5 minute daily briefing you’ll actually look forward to reading. Sign up now: https://lnkd.in/dX8KX2Xa #payments #paytech #digitalpayments #openbanking #fintech #fintechindustry #financialtechnology #fintechnews

#fintechreport: Unpacking the Commercial Payments Landscape 👇 #payments #paytech #digitalpayments #fintech #financialtechnology #fintechindustry

🚨Payment Orchestration platform Yuno, today announces the appointment of Miguel Duarte Fernandes, as its SVP, Head of Growth and Commercial for Europe, further expanding its geographic footprint. This strategic hire marks a significant step in strengthening Yuno’s global presence and accelerating the company’s expansion into Europe. The region’s e-commerce revenue is forecast to reach $𝟳𝟮𝟭.𝟯𝟬𝗯𝗻 in 2025 🤯 and continue to expand more than 7% annually for the next four years, fueling further demand for payments orchestration. Juan Pablo Ortega, Co-founder and CEO at Yuno, commented: “We are thrilled to welcome Miguel to the Yuno team. His expertise and deep understanding of the payments ecosystem will be crucial in accelerating our mission to empower merchants globally. Yuno has already made a significant impact, helping clients across the world to simplify payments and deliver better user experiences. With offices in Singapore, China, Colombia, Brazil, Mexico, and the United States, we are now doubling down on Europe as the next key phase of our global expansion. We’re committed to providing businesses with the best payment solutions, and Miguel’s proven track record and passion for empowering businesses will be invaluable as we continue to grow in this key region.” Miguel Duarte Fernandes commented: “Yuno is solving one of the most pressing challenges in the payments ecosystem: empowering merchants with seamless access to the best acquirers, gateways, and alternative payment methods (APMs) globally through a single integration. By eliminating the constraints of traditional manual payment setups, Yuno enables businesses to scale effortlessly and unlock their full potential. I’m thrilled to join a team that is reimagining payments for the 21st century and helping merchants achieve unparalleled success.” Read more about this and more Payments news in our Daily Paytech Newsletter: https://lnkd.in/dVachRCE #payments #paytech #digitalpayments

Global Payments Inc.'s 2025 Commerce and Payment Trends Report👇 #fintechreport #payments #paytech #digitalpayments #fintech #fintechindustry #financialtechnology

Hard vs. Soft Card Declines   Here is what we need to know:   Key insights: - Hard Declines: Permanent rejections due to stolen cards, closed accounts, or fraud - no retry possible   Hard declines mean game over: - Lost/stolen cards 🚫 - Closed accounts - Expired cards - Suspected fraud   How to fix it? - Verify cards thoroughly at checkout - Send proactive expiration reminders - Choose reliable payment channels - Offer alternative payment methods instantly   - Soft Declines: Temporary issues like insufficient funds or network glitches - can be resolved   Soft declines can be fixed: - Insufficient funds - Invalid card details - Authentication issues - Technical glitches   How to do it?  - Inform customers immediately with clear reasons and solutions - Use payment cascading with backup channels - Strategic retry timing for issues like insufficient funds   The key takeaway: Understanding these differences helps businesses keep revenue flowing by knowing exactly when to retry payments and when to request alternative payment methods.   I highly recommend reading the full article from Spell by Jevgenijs Novickis and following them for more interesting information like this one: https://lnkd.in/djvdtQVk   Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story. Next! [ 𝗹𝗶𝗸𝗲 ]

Here is what online shoppers and Ecommerce Merchants think about Payments 👇 The payments industry is undergoing significant transformation, and key trends are shaping the way businesses and consumers interact at checkout. In the report below 👇 you can find some insights from recent research by TrueLayer done in the U.K. 🇬🇧 #fintechreport #fintech #payments #paytech #digitalpayments #financialtechnology #paybybank #digitalbanking #ecommerce