Tag Archives: DAF

eCommerce Acquiring – Beyond Tokens – The Next Big Wave of Improvement

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Short Blog

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Adyen was the largest network “tokenizer” and realized the benefits through enhanced authorization rates and reduced fraud. As I explained in Tokens and Binding 101, this history of tokens in payments is long, with each stakeholder maintaining an ability to tokenize. While all token strategies protect data, network tokens differ in RULES, binding (to a customer and device) and acceptance. For example, Visa’s Cloud Token Framework (CTF) and Mastercard’s Digital Enablement Services (MDES) address 6 key areas:

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Tokens and Binding 101

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Let’s talk about tokens. When discussing tokens and payments, it’s important to clarify which category of tokens you’re talking about. Today, I’m not discussing NFTs; instead, I’m discussing card network tokens. It’s hard to believe I’ve been writing on this subject for almost 15 years. For a historical refresh, here are a few of my old blogs

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Identity Driving Payments

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Great article in today’s MRC Journal Moving identity authentication earlier in customer flow/

Short Blog. Summary. US issuers are creeping into identity and eCom data as they seek to build a non-network auth. The only model which will work is where networks are the enablers of identity. From a payments perspective, there are only 2 options for owners of identity and authorization 1) V/MA or 2) Apple/Google.

I was fortunate to go to MRC-Vegas this year. Whereas M2020 is filled with Issuers/Fintechs/Investors MRC is filled with payment operators (merchants), and the companies supporting them (ie Visa/Cybersource, Stripe, Adyen, …). 

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