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Today 30 items
Feb 26Thu
Feb 25Wed
  1. FINTRAC (Canada)Source summary33

    FINTRAC 发布加拿大实益所有权要求视频

    FINTRAC 发布视频，讲解加拿大反洗钱和反恐怖融资框架下的实益所有权要求及报告实体的合规义务。除 title insurers 外，所有报告实体在核验 corporations、trusts 和 partnerships 身份时，须获取并合理确认实益所有权信息；corporation 的直接或间接持股或控制达到 25% 的个人须被识别。

  2. Checkout.com BlogSource summary33

    Checkout.com 支付优化指南

    Checkout.com 梳理支付优化方法，聚焦提升接受率、降低欺诈和改善结账体验，以增加商户收入并减少支付处理成本。近半数商户称最多5%的支付被误判为欺诈而拒绝，损失约$50 billion；CMC Markets借助Checkout.com将接受率提高4%。订阅业务可用Real-Time Account Updater，最多追回此前缺失收入的30%；跨境支付可通过本地收单提升通过率。

  3. Checkout.com BlogSource summary30

    Checkout.com：与发卡机构合作如何提升盈利能力

    Checkout.com指出，与发卡机构持续合作并共享支付、风险数据，可减少误拒交易，提升商户支付接受率和盈利能力。Amex Enhanced Authorization program称，补充邮箱、IP地址、配送信息等数据，可能带来+1%审批率和最多60%的欺诈减少；Checkout.com称，部分发卡机构共享会话数据后，接受率最高提升2%。

Feb 24Tue
  1. Checkout.com BlogSource summary81

    Checkout.com publishes 2025 annual letter, processing volume exceeds $300 billion and returns to full-year EBITDA profitability

    Checkout.com said it processed more than $300 billion in total payments in 2025, up 64% year on year, while net revenue grew by more than 30% for the second consecutive year and the company returned to full-year EBITDA profitability. Transaction processing availability reached 99.999% for the year, with 95% of nearly 10 billion transactions completed within 1 second. In December, Checkout.com processed its first transaction on Microsoft Azure, shifting toward a multi-region, multi-cloud model.

    推荐理由：The annual letter provides updates on payment processing volume, the return to profitability, and progress on multi-cloud infrastructure, helping assess Checkout.com's operating quality and expansion path in the enterprise merchant market.

Feb 21Sat
Feb 19Thu
  1. FINTRAC (Canada)Source summary54

    FINTRAC 启动针对勒索所得洗钱的定向指标档案

    加拿大 FINTRAC 启动针对勒索活动的 Targeted Indicator Profiles，并将通过可信渠道向关键金融机构分享 TIP sheets。相关指标由 FINTRAC 与金融机构共同开发，用于帮助企业识别勒索相关交易并更及时、准确地提交可疑交易报告。金融机构的反馈还将用于更新洗钱类型和指标，为执法调查及资产没收行动提供金融情报支持。

  2. FINTRAC (Canada)Source summary62

    FINTRAC将与私营部门合作打击敲诈勒索所得洗钱

    FINTRAC will work with the private sector and law enforcement agencies to strengthen information sharing, identification, and suspicious transaction reporting related to money laundering involving proceeds of extortion. FINTRAC will develop Targeted Indicator Profiles (TIP sheets) focused on extortion, provide early indicators and money laundering typologies through trusted channels, conduct industry education activities, and issue special bulletins. The relevant reports will help FINTRAC provide financial intelligence to law enforcement agencies, supporting money laundering investigations, prosecutions, and asset forfeiture actions.

    推荐理由：FINTRAC is combining targeted indicator profiles, industry training, and public-private information sharing to provide financial institutions with actionable leads for identifying money laundering activities related to extortion.

  3. FINTRAC (Canada)Source summary40

    背景说明：FINTRAC设立新的联络职能以支持打击勒索活动

    加拿大FINTRAC将设立专门联络职能，通过加快生成和共享战术金融情报，支持打击勒索活动。金融情报联络官将部署到British Columbia、Alberta和Ontario等重点地区，与执法机构开展现场合作；重配的情报官员将加速涉及勒索所得的金融情报披露，并识别相关洗钱指标。该机制借鉴FINTRAC于2025年启动的快速情报生产模型试点，为警方提供更及时的情报支持。

Feb 12Thu
  2. Checkout.com BlogSource summary18

    Checkout.com：繁荣、合作与绩效——致亚太社区的一封信

    Checkout.com APAC总经理 Brian Sze 致信亚太社区，表示公司2026年将加大本地化创新、性能优化和战略合作，帮助商户扩大业务。信中提到澳大利亚、新加坡、大中华区和日本商户面临农历新年“festive surge”及跨境扩张挑战，Checkout.com将提供更可靠、支持规模化的支付基础设施。

Feb 10Tue
  1. FINTRAC (Canada)Source summary48

    FINTRAC 对 Century 21 Heritage Group Ltd. 处以 $148,912.50 行政罚款

    FINTRAC宣布，已对安大略省房地产经纪公司 Century 21 Heritage Group Ltd. 处以 $148,912.50 行政罚款，因其未在有合理理由怀疑交易涉及洗钱或恐怖活动融资犯罪时提交可疑交易报告。该罚款于2025年12月10日作出。FINTRAC表示，可疑交易报告对生成供执法和国家安全机构使用的金融情报至关重要。

Feb 5Thu
  1. FINTRAC (Canada)Source summary50

    FINTRAC 对 Commerciale I.C. - Pacific Inc. 处以 $224,235 行政罚款

    FINTRAC 对加拿大魁北克省蒙特利尔的汇款服务业务 Commerciale I.C. - Pacific Inc. 处以 $224,235 行政罚款，处罚日期为 September 2, 2025。该公司被认定存在电子资金转账报告逾期、未建立并执行书面合规政策、未完成规定的风险评估与审查，以及未遵守 Ministerial Directive 等违规行为。

Jan 30Fri
  1. Checkout.com BlogSource summary79

    Checkout.com updates PSD3 and PSR merchant guides, focusing on European payment compliance readiness

    Checkout.com has updated its PSD3 and PSR guides for merchants, outlining the proposed changes agreed by the European Parliament and the Council; following formal adoption and the end of an approximately 21-month transition period, the measures are expected to apply in 2027. The guides focus on fraud detection, SCA accessibility, fraud refunds, IBAN and account name verification, and the requirement for disputes, including chargebacks, to be resolved within 14 days; PSD3 covers the EU/EEA and will not automatically apply to the UK.

    推荐理由：The article breaks down the impact of PSD3 and PSR on European merchants across fraud prevention, SCA accessibility, refund liability, and dispute handling, making it easier to assess payment system readiness.

Jan 27Tue
Jan 23Fri
  1. Checkout.com BlogSource summary72

    Checkout.com announces 2024 business progress: net revenue grew 40% and the company became profitable

    Checkout.com achieved 40% overall net revenue growth in 2024, while its Commerce and Fintech business grew 45%, and ended the year profitably; the company expects to be profitable for the full year in 2025.

    推荐理由：This annual letter puts Checkout.com's growth, profitability, global acquiring expansion, and product metrics in the same framework, making it easier to observe the company's business progress from payment performance to treasury management.

Jan 21Wed
Jan 19Mon
  2. Checkout.com BlogSource summary23

    什么是银行卡项目管理？Checkout.com 解析其运作与职责

    银行卡项目管理由项目管理方承担策略、运营与合规等工作，协助缺乏时间、资源或经验的机构推出银行卡项目。其职责涵盖项目设计、发卡与账户管理、卡组织及制卡商关系、支付授权与结算、欺诈与争议处理，以及 PCI DSS、AML、KYC 合规。Checkout.com可协助企业启动自有银行卡项目。

  3. Checkout.com BlogSource summary30

    什么是 push provisioning？| Checkout.com

    push provisioning由发卡机构发起，将银行卡凭证通过令牌化安全推送至数字钱包，用户无需手动录入卡号、有效期和安全码即可使用银行卡。相较传统流程，该机制减少多方验证带来的摩擦，并支持发卡机构远程更新已添加银行卡的信息。它还能帮助发卡机构更快部署银行卡、降低弃用和摩擦相关成本。

  4. Checkout.com BlogSource summary31

    Checkout.com 旅行虚拟卡发卡：如何变革 B2B 支付

    Checkout.com通过Checkout Issuing为在线旅行社（OTAs）提供旅行虚拟卡发卡，支持Mastercard与Visa双卡组织，强化支付控制。旅客确认行程后，系统自动创建用于支付供应商的虚拟卡并实时返回授权结果；企业可设置消费限额、地理限制和Merchant ID规则。每笔交易有唯一标识并支持payments、fees、FX报告；按当地货币发卡可避免支付时的货币兑换。

  5. Checkout.com BlogSource summary32

    企业银行卡项目：如何以及为何推出

    企业推出自有银行卡项目，可提升客户留存与满意度、降低支付欺诈，并获得更强的成本与运营控制。跨地域扩张需统筹客户与商户支付习惯、当地税制、实体、支付轨道及合规要求。Checkout.com发行的银行卡支持按velocity、MCC和merchant identifier设置消费控制；Glovo借此管理快递员采购资金、卡片激活与取消。

  6. Checkout.com BlogSource summary25

    Checkout.com 移动优先发卡：创建移动应用的 5 个步骤

    Checkout.com给出移动优先发卡指南，概括创建移动应用卡体验的5个步骤，并以Card Management SDKs支持查看、管理实体卡和虚拟卡及推送至数字钱包。移动银行用户到2025年底达2.17 billion，较2020年增长35%；其mobile SDKs可安全展示PAN、CVV和PIN，支持Apple Pay与Google Pay，并降低PCI DSS合规负担。

  7. Checkout.com BlogSource summary71

    Checkout.com launches Issuing, offering an integrated card program service

    Checkout.com has launched Issuing, offering card issuance, processing, and management capabilities for virtual and physical cards, allowing businesses to manage card programs through a single API. The product can use acquiring balances to fund cards in real time, and configure MCCs, spending limits, and authorization decisions; Checkout.com says businesses can also share in the interchange fee revenue from each card transaction.

    推荐理由：Checkout.com brings card issuance, card processing, card program management, and acquiring balances together through a single API, while the materials also show specific paths for managing funds, authorization, and interchange fees.

  8. Checkout.com BlogSource summary43

    现实世界中的稳定币：监管格局

    美国 GENIUS Act 与欧盟 MiCA 正将稳定币纳入更清晰的监管框架，推动其从投机资产转向可合规使用的金融工具。GENIUS Act 强调现金或现金等价物 1:1 足额支持、储备透明和审计报告；MiCA 要求足额准备金、授权、白皮书、赎回权及消费者保护。Bank of England 拟推动系统性稳定币与商业银行货币、代币化银行存款及央行货币互操作。

Jan 16Fri
Jan 14Wed
  1. Checkout.com BlogSource summary22

    Checkout.com 解析虚拟卡：企业虚拟信用卡的优势

    Checkout.com 解析虚拟卡及其在企业支付中的优势：虚拟卡以临时16位代码替代实体塑料卡，可按需创建为单次或多次使用，并设置消费、商户和用途限制。Checkout.com 的 issuing product 可即时创建单次使用的虚拟卡，支持 debit cards、prepaid cards 和 digital wallets，并提供实时细粒度数据与自动交易记录。

Jan 13Tue
Jan 12Mon
  2. CFPBSource summary52

    CFPB 与司法部撤回关于非公民借款人公平放贷的联合声明

    美国消费者金融保护局（CFPB）与司法部宣布撤回2023年10月发布的关于非公民借款人公平放贷的联合声明。该声明曾警告，贷款机构基于移民或公民身份的政策可能违反《平等信贷机会法》（ECOA）及B条例的歧视禁令。撤回旨在避免与ECOA及B条例的明文规定冲突，并明确贷款机构在必要时可合法考虑移民身份，以规避金融风险并遵守其他法律。

Jan 9Fri
  1. Checkout.com BlogSource summary26

    Checkout.com：什么是 BIN sponsorship？

    BIN sponsorship让金融科技企业无需加入 Visa 或 Mastercard 等主要卡组织，即可获得支付处理和银行卡管理服务，并更快、更低成本地推出自有卡产品。BIN是银行卡号序列开头的6/8位数字，用于识别发卡机构并支持授权、清算和结算路由。Checkout.com的发卡方案以统一平台承担发卡机构、issuer processor和card program manager职责。

Jan 7Wed
  1. Checkout.com BlogSource summary25

    Checkout.com 指南：什么是中间银行？

    中间银行是在缺乏直接关系的两家银行之间转接国际汇款的金融机构，常用于经 SWIFT 处理的跨境电汇。其费用受参与银行、国家和货币、支付方式、交易金额及紧迫性影响，SWIFT定义 OUR、BEN、SHA 三种费用承担方式。商户通常无需自行管理，可向 Checkout.com 或 PSP 查询中间银行名称、地点及 SWIFT/BIC code。

Jan 2Fri
Jan 1Thu
Dec 30Tue