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Today 30 items
May 21Thu
May 14Thu
  1. FINTRAC (Canada)Source summary60

    FINTRAC imposes a $693,742.50 administrative monetary penalty on Necosmart

    FINTRAC imposed a $693,742.50 administrative monetary penalty on the MSB Necosmart, which operates in Edmonton, Alberta, Canada. The penalty decision was made on March 27, 2026.

    推荐理由：The announcement also lists deficiencies involving unreported suspicious transactions, the compliance program, measures for high-risk situations, and virtual currency transaction records, presenting the AML requirements that MSBs need to implement.

May 12Tue
May 11Mon
  1. Checkout.com BlogSource summary30

    我的支付之路：justt 支付与拒付策略高级总监 Sarah Boehmer 的职业历程

    Sarah Boehmer 从内部审计和 IPO 准备工作转入支付与拒付领域，现任 justt 支付与拒付策略高级总监。她曾在 Super.com 搭建欺诈与拒付职能并推动支付优化，如今在 justt 作为面向客户的主题专家，帮助潜在客户使用其 AI-based chargeback platform 解决争议。她认为 AI 将推动支付演进，并用于分析支付数据和优化路由。

May 7Thu
  1. European Payments Council (SEPA)Source summary36

    EPC 发布 VOP API Reference Toolbox 测试用例文档 v1.2

    EPC 发布《Verification of Payee API Reference Toolbox – Test Cases》v1.2（文档编号 EPC139-25），列出 VOP 解决方案验证中的测试用例，分为正向与负向用例。该工具箱是供支付服务提供商（PSPs）与路由和验证机制（RVMs）测试其是否符合 EPC 的 VOP 跨 PSP API 规范的测试环境，支持请求方与响应方两种角色。

May 6Wed
  1. FINTRAC (Canada)Source summary75

    FINTRAC announces changes to Canada’s administrative monetary penalty framework

    FINTRAC said Canada’s Strengthening Canada’s Immigration System and Borders Act received Royal Assent on March 26, 2026, introducing a new administrative monetary penalty framework. The new framework raises the maximum penalty amount to 40 times the current limit, incorporates an assessment of ability to pay, and introduces mandatory compliance agreements and compliance orders. Violations occurring after March 26, 2026 will be subject to the new framework, while violations that occurred entirely before that date will continue to be subject to the previous policy.

    推荐理由：The new framework changes the maximum penalty, compliance agreement and compliance order tools, and determines which policy applies based on the date of the violation, helping reporting entities understand the regulatory arrangements during the transition period.

May 5Tue
  1. FINTRAC (Canada)Source summary45

    FINTRAC 对 Birks Group Inc. 处以 $51,562.50 行政罚款

    FINTRAC 对 Birks Group Inc. 处以 $51,562.50 行政罚款，因其违反加拿大《犯罪收益（洗钱）和恐怖主义融资法》Part 1及相关法规。违规包括未制定并持续更新经高级官员批准的书面合规政策、未评估并记录洗钱或恐怖主义融资风险，以及未按规定每两年完成并记录内部或外部审计复核。

Apr 30Thu
  1. Checkout.com BlogSource summary38

    发卡与收单：旅行平台在单一平台协同更优

    旅行企业将发卡与收单整合到同一平台，可缩短结算等待、改善现金流并减少预存资金需求。客户付款被捕获后，资金可立即用于发卡，虚拟卡能在几毫秒内创建并发送给航空公司或酒店，供应商付款由此在毫秒级触发。该模式还可减少多币种账户预存和短期信贷依赖，并在供应商失败或服务中断时支持 chargebacks 或付款追回。

Apr 26Sun
  2. Nacha (ACH Network)Source summary37

    Plaid 为何押注 Same Day ACH：灵活性是关键

    Plaid 将 Same Day ACH 作为其平台资金存入与付款的核心选项，支持账户开户注资、账单支付、贷款服务、电商及保险等场景。Plaid 支付产品线市场负责人 Mollie Curran 称，Same Day ACH 已成为 Plaid 客户中采用最广泛的支付轨道，兼顾速度与灵活性，覆盖银行、借贷、保险及数字资产平台等多元客户群体。

  5. Nacha (ACH Network)Source summary38

    Same Day ACH 让现金归集更便捷

    大型企业可利用 Same Day ACH 的贷记和借记，在同一工作日数小时内将分散于多家金融机构的多个经营账户资金归集至中央账户，用于工资、供应商付款等日常流动性需求。该方式沿用熟悉的 ACH 流程，提供当日资金头寸可见性，支持灵活的 ACH 资金划拨，并强化现金流预测与日常资金运营。

  6. Nacha (ACH Network)Source summary25

    灾害救援时，Same Day ACH 如何快速送达援助资金

    一家非营利组织为受自然灾害影响的家庭提供紧急经济援助，通过启用 Same Day ACH 贷记付款，在审批通过后于同一工作日将资金送达受助人的银行或信用合作社账户。Same Day ACH 帮助组织在需求最紧迫时快速交付援助、高效支持大规模付款，并减少应急响应期间的行政工作量，确保救援资金及时可靠地到达受助人手中。

Apr 25Sat
Apr 24Fri
  1. FINTRAC (Canada)Source summary77

    FINTRAC CEO Sarah Paquet outlines Canada’s anti-financial crime regulatory priorities

    FINTRAC CEO Sarah Paquet delivered a speech in Toronto, saying the agency will strengthen risk oversight of regulated businesses, virtual currency businesses and financial institutions, with a focus on combating ransomware, fentanyl trafficking, fraud, money laundering and sanctions evasion.

    推荐理由：The speech places virtual currency business regulation, administrative penalties and digital supervision within the same framework, providing regulated businesses in Canada with compliance priorities and an indication of enforcement trends.

Apr 23Thu
  1. FINTRAC (Canada)Source summary57

    FINTRAC发布针对敲诈勒索洗钱风险的专项指标公告

    FINTRAC发布与针对加拿大南亚侨民的敲诈勒索相关洗钱专项公告，帮助受《犯罪收益（洗钱）和恐怖融资法》约束的企业识别敲诈行为，并向该中心报告可疑交易及被列名个人或实体的财产报告。自 2026 年初以来，FINTRAC已就敲诈勒索生成超过100份金融情报披露，涉及300多个对象和超过63,000笔金融交易。公告还提到，FINTRAC正与银行、信用合作社、政府及执法机构分享相关趋势和洗钱类型。

Apr 20Mon
  1. Checkout.com BlogSource summary52

    OpenAI 智能体商务转向商户控制结账：对商户意味着什么

    OpenAI 正将 ChatGPT 内的商务模式从 Instant Checkout 转向由商户控制结账，AI 负责商品发现和购买意图，商户负责交易执行。当前主要有两种模式：将用户引导至商户网站或应用完成结账，或通过 OpenAI SDK 在 ChatGPT 内构建体验，并由商户基础设施通过委托支付流程完成结账。

Apr 16Thu
  1. FINTRAC (Canada)Source summary82

    FINTRAC releases implementation schedule for amendments to Canada's anti-money laundering legislation

    FINTRAC has released an implementation schedule for amendments to Canada's anti-money laundering legislation, covering requirements related to administrative monetary penalties, compliance programs, universal registration and stablecoin issuer registration. Some amendments will take effect on 2026年3月26日, while measures including stablecoin issuer registration will be implemented after the related regulations are published in Canada Gazette, Part II. The page also describes obligations that are already in effect, including voluntary information sharing among reporting entities and discrepancy reporting on beneficial ownership.

    推荐理由：The page organizes changes related to administrative monetary penalties, compliance programs and stablecoin issuer registration by their effective dates, making it easier for regulated businesses to identify outstanding obligations.

Apr 10Fri
Apr 9Thu
  1. Checkout.com BlogSource summary29

    Checkout.com：盈利型支付如何平衡收入、欺诈与成本

    Checkout.com强调，支付运营须平衡收入、欺诈损失与处理成本，才能提升贡献利润。对年处理$200M、欺诈率1.5%、处理成本2.4%的商户，欺诈准确率改善20 basis points、处理成本优化15 basis points，可挽回约$700K年度利润贡献。文章还提到45%的消费者因数字体验受挫放弃购买，预授权和部分授权可减少支付摩擦。

Apr 2Thu
Mar 28Sat
Mar 24Tue
  1. Checkout.com BlogSource summary65

    Mastercard requires merchants to adopt TLID for economic transaction tracking from October 2026

    Mastercard will gradually replace Trace ID with the unique Transaction Link Identifier (TLID). Merchants must transmit TLID in economic transactions from October 2026 and retain this 36-character field for every transaction. Mastercard will generate the relevant TLIDs in June 2026 and begin assessing non-compliance fees from January 2027; Checkout.com recommends that merchants retain and transmit both Trace ID and TLID during the transition period.

    推荐理由：The article outlines Mastercard’s timeline and integration requirements for replacing Trace ID with TLID, helping merchants plan changes to storage, transmission, and transaction lifecycle tracking.

Mar 23Mon
Mar 20Fri
  1. European Payments Council (SEPA)Source summary42

    欧洲支付委员会推出 One-Leg Out 即时贷记转账（OCT Inst）计划：跨境支付如何更快速透明

    欧洲支付委员会（EPC）推出 One-Leg Out 即时贷记转账（OCT Inst）计划，供支付服务提供商（PSP）提供更快速、透明且可追踪的国际转账。该计划通过与 ISO 20022 及 G20 路线图对齐，支持全球支付现代化，并明确了 PSP 及其客户可获得的收益。

Mar 19Thu
Mar 13Fri
Mar 7Sat
  1. FINTRAC (Canada)Source summary22

    Project Fletcher 调查涉超过$3 million欺诈，8人被捕、5名嫌疑人仍被追查

    Durham Regional Police Service 金融犯罪调查组在Project Fletcher调查中逮捕8人，并追查5名嫌疑人；案件涉及Durham Region一家企业超过$3 million的欺诈。调查发现约270张欺诈支票存入22个银行账户，并存在跨Durham Region、大多伦多地区及全球的洗钱活动。相关指控尚未在法庭得到证实。

Mar 3Tue
  1. FINTRAC (Canada)Source summary71

    FINTRAC updates guidance on financial transactions involving FATF high-risk jurisdictions

    FINTRAC updated its compliance guidance on financial transactions involving jurisdictions identified by FATF on 2026-03-02. For transactions related to DPRK and Iran, reporting entities must conduct identity verification and customer due diligence and retain records; transactions related to Iran must also all be reported to FINTRAC. For transactions related to Myanmar, entities must assess their obligations to file suspicious transaction reports and conduct enhanced due diligence. The guidance also lists the 22 jurisdictions on FATF’s list of jurisdictions under increased monitoring, with no jurisdictions removed from the list.

    推荐理由：The material consolidates the identification, due diligence, record-keeping, and reporting obligations applicable to Canadian reporting entities in connection with transactions involving DPRK, Iran, Myanmar, and jurisdictions under increased monitoring, making it easier to compare against compliance processes.

Mar 2Mon
  1. Fintech News AfricaSource summary44

    赞比亚金融科技：2026年市场概览

    赞比亚金融科技生态持续扩张，2023年已有57家公司运营，覆盖金融机构技术、数字支付与 mobile money、数字借贷，并延伸至储蓄、保险和财富管理。金融普惠率2020年升至69.4%，mobile money渗透率由2009年接近零升至58.4%；2022年传统银行账户持有率不足10%，近半人口拥有 mobile money 账户。

  2. Checkout.com BlogSource summary24

    企业如何制定有效的支付 RFP

    Checkout.com梳理企业制定支付 RFP 的方法，强调需向候选供应商说明业务、客户、地区、支付方式及技术环境，并围绕处理能力、欺诈与风险、资金管理、数据报告、安全和商务条款评估。流程包括预告、发布、答疑、提交、评审、面谈、决策、签约、集成与上线；发布完整 RFP 前可先用 RFI 筛选候选者。

Feb 27Fri
  1. Checkout.com BlogSource summary18

    企业费用卡的优势：Checkout.com 如何帮助企业发卡

    企业费用卡以预付借记卡形式帮助企业管理员工支出、简化报销，Checkout.com 提供一体化发卡服务。企业可发放单次或多次使用的虚拟和实体卡，按交易金额、受限行业设置限额，并通过 real-time decisioning engine 批量批准或拒绝交易。员工可将虚拟卡即时添加至 Apple Pay 和 Google Pay，企业还可在授权时为卡片提供资金，减少预充值复杂性。