Latest news with #mobilepayments
Yahoo
5 hours ago
- Business
- Yahoo
PSQ Holdings adds Apple, Google Pay to its PSQ Payments platform
PublicSquare (PSQH) announced the successful integration and launch of Apple Pay (AAPL) and Google Pay (GOOGL) across its PSQ Payments platform. The company stated this strategic expansion enhances the platform's capabilities and provides merchants with a seamless and secure mobile payment solution. PublicSquare Chairman and CEO Michael Seifert said the launch is a direct response to merchant feedback and will help merchants optimize their sales funnel for mobile consumers. Elevate Your Investing Strategy: Take advantage of TipRanks Premium at 50% off! Unlock powerful investing tools, advanced data, and expert analyst insights to help you invest with confidence. Published first on TheFly – the ultimate source for real-time, market-moving breaking financial news. Try Now>> See the top stocks recommended by analysts >> Read More on PSQH: Disclaimer & DisclosureReport an Issue Trump Jr.-Backed GrabAGun Stock (PEW) Tumbles on NYSE Debut PSQ Holdings: Strategic Growth and FinTech Integration Drive Buy Rating PSQ Holdings Elects New Directors at Annual Meeting PSQ Holdings Explores Digital Asset Treasury Strategy PSQ Holdings Announces $50M At-Market Offering Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Globe and Mail
15-07-2025
- Business
- Globe and Mail
Top Mobile Payments Stocks to Buy to Ride the Cashless Wave
An updated edition of the May 29, 2025 article. Mobile payments encompass a wide range of financial transactions carried out using smartphones, tablets, or wearable devices, eliminating the reliance on physical cash or cards. These transactions are facilitated through tools or wallets like Apple Pay, Google Pay, and PayPal, along with technologies such as Near Field Communication (NFC), QR codes, and in-app payment systems. What started as a convenient alternative has evolved into a powerful financial ecosystem thanks to rapid fintech advancements and the widespread availability of smartphones. Innovations like blockchain and artificial intelligence are now enhancing transaction security, improving speed and reducing fraud. Meanwhile, super apps such as WeChat Pay, Alipay, and PhonePe are transforming user behavior by integrating messaging, shopping, banking, and payments into a seamless experience. The rapid expansion of mobile payments is driven by the fast-growing e-commerce and improvements in digital infrastructure. Payment platforms have matured to offer unified interfaces that connect multiple cards and accounts, maximizing user convenience. Leading companies, including Visa Inc. V, Mastercard Incorporated MA, Capital One Financial Corporation COF and Marqeta, Inc. MQ, are pushing boundaries to capture market share through innovation and deeper integration with banks and online retailers. Our Mobile Payments Screen helps uncover the most promising opportunities in this rapidly advancing industry. The COVID-19 pandemic significantly accelerated consumer demand for touch-free, secure payment options. In response to the rapid pace of innovation, global regulators are introducing new frameworks designed to enhance data privacy, facilitate cross-border transactions, and promote financial inclusion. Notable examples include the FedNow initiative in the United States, India's UPI-driven policies and PSD2 in Europe. According to Fortune Business Insights, the global mobile payments market stood at $3.84 trillion in 2024 and is forecasted to hit $4.97 trillion in 2025 and $26.53 trillion by 2032, registering a 27% CAGR. Loyalty programs, seamless experiences, and technological breakthroughs are key forces driving this shift. Explore 30 cutting-edge investment themes with Zacks Thematic Screens and discover your next big opportunity. 4 Mobile Payments Stocks to Buy Now Marqeta delivers mobile payment capabilities through its modern card issuing platform, enabling businesses to embed digital payment solutions directly into mobile apps and digital wallets. In 2024, the company launched Marqeta Flex, a BNPL (Buy Now, Pay Later) offering developed in partnership with Klarna, Affirm, and Branch. This solution allows for seamless integration of personalized BNPL options into consumers' preferred payment platforms. Built on an open API architecture, Marqeta's platform empowers developers to create customized, flexible payment experiences. It supports a broad range of features, including real-time transaction processing, tokenization, contactless payments, and peer-to-peer (P2P) transactions. This modular design helps partner businesses to quickly adapt to changing consumer expectations while offering a highly tailored user experience. Marqeta's momentum is reflected in its financial performance. The company processed $84 billion in total volume in first-quarter 2025, marking a 27% year-over-year increase. It continues to expand globally through the modernization of its infrastructure and strategic product rollouts. One such example is the Bitpanda Card, launched across 26 European countries, which allows customers to spend both crypto and fiat currencies in everyday transactions, bridging the gap between digital assets and real-world use. Marqeta currently sports a Zacks Rank #1 (Strong Buy). You can see the complete list of today's Zacks #1 Rank stocks here. Visa offers a comprehensive suite of mobile payment solutions through its global payments network, enabling secure, fast and convenient transactions across digital channels. Its mobile payment capabilities are integrated into major digital wallets such as Apple Pay, Google Pay, and Samsung Wallet, allowing consumers to make contactless payments using smartphones, wearables, and tablets. Visa's tokenization technology secures card details during mobile transactions, replacing sensitive information with unique digital identifiers. Visa expanded its mobile payments ecosystem through partnerships with fintechs and super apps, including Paytm, GCash, and Toss, enabling in-app and QR code-based payments in key international markets. The company also introduced enhanced features for its Visa Installments platform, allowing issuers and merchants to offer BNPL options at checkout, both online and in mobile apps. Visa Direct, its real-time push payments platform, powers mobile P2P transfers and gig economy payouts globally. It has also integrated biometric authentication and AI-driven fraud detection into mobile payment flows to improve security and user trust. Through a focus on interoperability, developer APIs, and global scalability, Visa continues to strengthen its position as a mobile payment enabler across consumer, business and government segments. Visa currently carries a Zacks Rank #2 (Buy). Mastercard delivers robust mobile payment capabilities through its global payment network, enabling secure, real-time transactions. Just like Visa, MA's technology powers mobile payments for Apple Pay, Google Pay, Samsung Wallet, and other regional platforms, with advanced tokenization and biometric authentication built into every transaction for enhanced security. Mastercard deepened its presence in mobile-first markets through expanded partnerships with super apps and fintechs, including collaborations with MTN in Africa and Grab in Southeast Asia. Its Mastercard Installments platform supports BNPL services through mobile channels, giving consumers flexible payment options at checkout. The company's Click to Pay service simplifies online and in-app purchases, while Mastercard Send enables real-time P2P payments and payouts directly to mobile wallets and bank accounts globally. Its open banking APIs allow fintechs to build seamless, mobile-native payment experiences integrated with Mastercard's network. In the first quarter of 2025, it reported gross dollar volume of $2.4 trillion, up 9% year over year, and cross-border volume growth of 15%, reflecting continued momentum in digital and mobile spending. With a growing focus on embedded finance and mobile-first commerce, Mastercard remains a key driver of mobile payment innovation. It currently holds a Zacks Rank #2. Capital One provides flexible mobile payment services through its modern consumer banking platform and credit card network. The Capital One Mobile app supports digital wallet integration, enabling users to add their Capital One cards easily and make secure contactless and in-app purchases. It also offers the same rewards and cash-backs as physical cards to consumers using its mobile payment methods, which helps in customer retention. The app also features capabilities like mobile check deposit, account management tools, real-time transaction alerts, biometric login, card lock/unlock, subscription tracking and Zelle P2P transfers, all automated with AI assistant Eno for fraud alerts and seamless user experience. Capital One facilitates digital wallet payments and P2P transfers while building loyalty and user engagement through its unified mobile platform. Digital wallet-enabled card spend and interchange revenue continue to grow, supporting overall credit card revenue, which rose 6% year over year in the first quarter of 2025. Capital One's digital-first strategy, further supported by the recent Discover Financial acquisition and AI-driven support tools, positions it as a leading player in the U.S. mobile payments landscape. The company currently carries a Zacks Rank #2. Research Chief Names "Single Best Pick to Double" From thousands of stocks, 5 Zacks experts each have chosen their favorite to skyrocket +100% or more in months to come. From those 5, Director of Research Sheraz Mian hand-picks one to have the most explosive upside of all. This company targets millennial and Gen Z audiences, generating nearly $1 billion in revenue last quarter alone. A recent pullback makes now an ideal time to jump aboard. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Nano-X Imaging which shot up +129.6% in little more than 9 months. Free: See Our Top Stock And 4 Runners Up Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Mastercard Incorporated (MA): Free Stock Analysis Report Visa Inc. (V): Free Stock Analysis Report Capital One Financial Corporation (COF): Free Stock Analysis Report Marqeta, Inc. (MQ): Free Stock Analysis Report This article originally published on Zacks Investment Research (
Finextra
15-07-2025
- Business
- Finextra
MB Way enables NFC payments on iPhone
MB WAY, Portugal's leading mobile payment app, is now the first euro-denominated application in Europe to offer NFC (Near Field Communication) payments on iOS devices. 0 This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. iPhone users can now make secure, contactless payments directly with MB WAY, marking a significant step forward in the evolution of mobile payments in Europe. This development follows the enforcement of the EU's Digital Markets Act (DMA), which requires Apple to grant third-party apps access to the iPhone's NFC chip - a functionality previously restricted to Apple Pay. With this update, MB WAY users on iOS can now enjoy the same seamless contactless experience already available to Android users since 2017. 'This is a breakthrough moment for digital payments in Portugal and across the EU,' says Madalena Cascais Tomé, CEO of SIBS. 'By enabling NFC payments on iPhone, MB WAY ensures a consistent and inclusive user experience across platforms - reinforcing our commitment to innovation, convenience, and freedom of choice. We believe this evolution strengthens the European digital economy and sets a precedent for fairer access to key mobile technologies. At SIBS, we remain focused on developing secure, interoperable, and future-proof solutions that simplify everyday life for people and businesses.' Launched by SIBS in 2015, MB WAY has grown into the comprehensive and most widely used mobile payment solution in the Euro Zone. It allows users to make instant transfers, shop online, create and manage virtual cards, split bills, and pay in-store via QR code or contactless technology. With more than 6,5 million users, more than 1bi transactions yearly, and widespread acceptance across PSPs and merchants, MB WAY has become the preferred consumer mobile solution in Portugal and plays a central role in the Europe's digital economy. With this new functionality, MB WAY further strengthens its position as a benchmark for user-centric, interoperable payment solutions in Europe. QR code payments remain available in the app and continue to offer a convenient alternative for everyday transactions. MB WAY and SIBS are also founding members of EuroPA (European Payments Alliance) - an initiative that brings together national payment solutions from across Europe to create a unified, interoperable payment network. The goal of EuroPA is to enable users to make cross-border payments using their local apps, fostering a more connected and competitive European payments landscape.
Zawya
11-07-2025
- Business
- Zawya
The hidden complexity of tokenisation: Why implementation is harder than it looks?
The checkout point is where the full weight of customer acquisition hinges, so a failed payment at this part of the funnel is not just friction, but a missed sale for many stakeholders. That's why enabling safe, one-click payments is the emerging gold standard in mobile payments and e-commerce. Tokenisation is the method that can facilitate a consistently smooth and successful checkout experience at scale, which is why it is so desired in the payments space. A successful tokenisation implementation has something in it for everyone. Customers get to make an effortless purchase, the merchant completes the transaction, and card issuers reap the benefits of fewer false declines or fraudulent transactions, less compliance liability, and lower processing costs. When tokenisation works well, it can be frictionless, but implementing it is hardly ever so. Many businesses assume that tokenisation is a plug-and-play solution. The reality is more complicated. Underneath the surface lies the difficulty of technical integration, legacy system constraints and fragmented standards. These serious roadblocks often slow down implementation and reduce impact. For payment providers facing the pressure to innovate, the challenge of slow execution can be costly, not just in time and resources, but in lost sales. The promise of tokenisation in virtual card issuing Tokenisation is rapidly gaining traction across the payments ecosystem, with global transaction volumes expected to surpass one trillion by 2026. The benefits of tokenisation are most evident with virtual card issuing, where secure and flexible card provisioning happens without exposing the underlying PAN. Virtual cards can be issued instantly and used across channels by replacing sensitive card data with randomised, network-issued tokens that are useless when intercepted by fraudsters. Common challenges like expired card details are no longer a barrier as virtual cards are automatically updated, making them ideal for rapid and convenient payments of all kinds. One thing is clear – as payment ecosystems grow more intricate and fraud tactics evolve, consumers will show little patience for clunky or sluggish checkout experiences. How tokenisation enhances payment security Unlike traditional encryption, which requires complex key management, tokens are format-preserving yet carry no intrinsic value outside the specific transaction flow they were created for. In simple terms, tokenisation reduces the risk of data breaches and increases PCI DSS compliance. According to industry data, network tokenisation can reduce fraud rates by up to 30%, and some sources cite an average fraud reduction of 26% across card-not-present transactions. Mastercard, for example, has reported a 3 to 6 percentage point increase in transaction approvals since implementing its tokenisation technology, shining a light on the operational upside of adopting tokens over raw card data. Increased complexity with increased vendor numbers As the payment ecosystem becomes increasingly crowded, tokenisation often hits a wall, not because of the technology itself, but the complexity of combining multiple ecosystem players. It's no surprise that many issuers grapple with a steep complexity curve. What begins as a focused implementation quickly escalates as the number of integration points grows. With multiple CMS vendors, an expanding number of card schemes and the rise of digital wallets, each with its own tokenisation protocols and update mechanisms, we can see how the orchestration effort becomes exponentially more complicated. Every additional system adds a new layer of requirements, dependencies and failure points. Without a robust orchestration layer that is flexible and interoperable enough to coordinate tokens across infrastructures, issuers risk introducing latency, reducing authorisation rates and exposing themselves to operational blind spots. Regulatory and compliance challenges While tokenisation inherently reduces exposure to sensitive cardholder data, issuers and merchants must still navigate a complex web of regional and international regulations. In Europe, for instance, GDPR imposes strict requirements on how personal and payment data is stored, processed and transferred, regardless of whether it's tokenised. Likewise, PCI DSS standards govern the security posture of any system interacting with card data, even if that data is in token form. For global issuers, the challenge can compound – what satisfies regulators in one region may fall short elsewhere. What's more, virtual cards introduce their own compliance considerations, especially around transaction traceability, auditability and the handling of expired or reissued credentials. Financial institutions risk delayed rollouts, audit penalties and customer trust erosion without a consistent and adaptable compliance framework. The need for ongoing compliance Card issuers know that compliance isn't a one-time exercise. As regulatory landscapes shift in response to evolving threats and technological advances, businesses must treat compliance as a continuous process. Emerging standards, updates to existing frameworks and tightening data protection laws mean that what's compliant today may not be tomorrow. For firms operating across borders, this complexity multiplies, requiring them to monitor regional developments, adapt internal policies, and often retool parts of their infrastructure to remain in step. This dynamic environment demands more than just legal oversight, but agile systems and partnerships that can flex with regulatory change. Why Choose Stanchion's Tokenisation and Virtual Card Issuing Services? With all the promise of agility, security and operational efficiency that tokenisation and virtual card issuing may hold, without the right expertise, the vision can quickly unravel under technical challenges and regulatory pressure. Stanchion's technical expertise in tokenisation With years of experience helping banks and payment providers to modernise their infrastructure, Stanchion brings deep domain knowledge to the most complex tokenisation initiatives. From managing issuer integrations to orchestrating across card schemes, CMS platforms and digital wallets, Stanchion's solutions are made to simplify what others struggle to align. Stanchion's secure and scalable solutions Stanchion's tokenisation framework is secure and scalable. It supports multi-environment orchestration straight out of the box, allowing banks to deploy tokens consistently across legacy systems, cloud platforms and third-party vendors without missing a beat. This reduces implementation time, minimises friction and allows clients to accelerate their digital roadmap confidently. Strong compliance posture On the compliance front, Stanchion's platforms are engineered with evolving regulations in mind. Whether aligning to GDPR, PCI DSS, or local data sovereignty laws, clients can rest assured that tokenised workflows are built to meet the highest data protection and auditability standards. With a consultative delivery model, Stanchion gives businesses a trusted path through the complexities of virtual card issuance, ensuring they master the process. The Bottom Line Tokenisation offers undeniable advantages, but beneath the allure lies a complex web of integration demands, regulatory hurdles and operational dependencies that few businesses are prepared for. As payment ecosystems grow more fragmented and compliance standards evolve, implementation is less plug-and-play and more precision engineering. Success depends on adopting the right technology and partnering with experts who can navigate the hidden complexity. A knowledgeable provider like Stanchion brings the technical tools and the strategic insight required to navigate the tricky maze of integrations, regulations and evolving payment standards. From day one, Stanchion helps clients to anticipate roadblocks, accelerate deployment and ensure full compliance across environments. In a space where the margin for error is slim and the cost of delay is high, it's a good idea to partner with a team that's already been there. Your Path Forward If you're ready to simplify complexity and unlock the full potential of secure, scalable payment innovation, it's time to talk to Stanchion. Whether you're exploring tokenisation for the first time or seeking to optimise an existing virtual card strategy, our team is here to guide you. Reach out today to learn how Stanchion's tokenisation and virtual card issuing services can streamline your payment architecture, ensure regulatory compliance and deliver the seamless experiences your customers demand.
Globe and Mail
07-07-2025
- Business
- Globe and Mail
Global Tablet POS Market to Reach $7.28 Billion by 2030, Driven by AI and Cloud Integration
"Global Tablet POS Market Research Report By Arizton" Industry Analysis Report, Regional Outlook, Growth Potential, Price Trends, Competitive Market Share & Forecast 2025–2030. According to Focus report, the, global tablet POS systems market is growing at a CAGR of 5.91% during 2024-2030. This steady rise is driven by AI integration, mobile payment adoption, and a growing need for seamless, customer-focused solutions. As businesses in retail, hospitality, and food service embrace cloud-based platforms and omnichannel strategies, tablet POS systems are becoming essential for operational agility and competitive edge. Report Scope: Market Size (2030): USD 7.28 Billion Market Size (2024): USD 5.16 Billion CAGR (2024-2030): 5.91% Historic Year: 2021-2023 Base Year: 2024 Forecast Year: 2025-2030 Largest Region (2024): North America Fastest-Growing Region: Latin America Market Segmentation: Reader, Deployment, End-User, Operating System, And Geography Geographic Analysis: North America, Europe, APAC, Latin America, and the Middle East & Africa AI-Powered Personalization is Redefining the Tablet POS Landscape The global tablet POS systems market is undergoing a major transformation as artificial intelligence (AI), data analytics, and personalization become central to next-generation retail operations. This shift is driven by the demand for smarter decision-making, real-time insights, and operational efficiency. Businesses are increasingly adopting AI-powered POS systems to enable predictive analytics, fraud detection, customer behavior tracking, dynamic pricing, inventory automation, and workforce optimization. Personalization is emerging as a key differentiator. Today's tablet POS platforms deliver enhanced in-store experiences with personalized recommendations, tailored discounts, loyalty programs, and intuitive self-service features. By analyzing individual purchase history and browsing behavior, these systems suggest relevant products in real time, boosting both upselling and cross-selling. As personalization becomes integral to customer engagement, AI-integrated POS systems are no longer optional, they are strategic enablers of revenue growth, efficiency, and data-driven retail innovation. Recent Market News In 2025, Toast launched ToastIQ, an AI-based intelligence engine that delivers personalized recommendations, timely prompts, and automated workflows designed to transform daily restaurant operations. In 2021, Lightspeed acquired Vend, a cloud-based retail management software company. It will help to expand its customer base in Asia-Pacific and strengthen its global retail base. In 2025, Fiserv, Inc., one of the leading financial services and payment technology companies has launched the world's smartest POS system in Australia. The company offers all-in-one solutions that enhance efficiency, streamline operations, and help businesses grow. Android Dominates Global Tablet POS Market with Flexibility and Cost Efficiency Android segment has emerged as the dominant force in the global tablet POS systems market, capturing the largest market share based on operating systems. This leadership is fueled by Android's inherent flexibility, customizable features, and broad hardware compatibility, making it an ideal choice for diverse business environments. Android's open ecosystem enables a wide variety of manufacturers to produce tablets across multiple models, offering businesses a broad spectrum of options in size, durability, and functionality. This versatility allows companies to tailor their POS solutions to specific operational needs, from high-traffic retail settings to compact quick-service restaurants. Notably, Android tablets are more budget-friendly than iOS devices, making them particularly attractive to small and medium-sized businesses, especially in retail, cafés, and quick-service restaurants. Adoption is also accelerating in emerging markets like China and India, where the rise of small businesses drives demand for scalable POS solutions. With flexibility, affordability, and wide availability, Android is not just leading, it's setting the pace for the next wave of POS innovation globally. North America Emerges as a Key Growth Market for Tablet POS System Adoption The tablet POS systems market in North America is witnessing strong momentum, driven by evolving consumer expectations and rapid digitalization across industries. Key factors such as the growing demand for enhanced customer experience, greater mobility in operations, the rise of omnichannel retail, and the widespread adoption of contactless payments are fueling this growth. Hospitality sectors, particularly hotels, entertainment venues, and resorts, are significantly increasing their adoption of tablet POS systems. The need for seamless, automated check-in/check-out solutions has become a priority, making mobile POS platforms a strategic investment. Additionally, North America's fast-paced lifestyle is reshaping food consumption habits. With rising demand for outdoor dining and quick-service options, restaurants, cafés, and hotels are turning to flexible POS solutions to streamline order management, delivery platforms, and in-store efficiency. In the U.S., consumer preferences continue to lean toward convenience and premium experiences. Health-conscious individuals are willing to pay more for high-quality, unique food offerings, boosting demand for dining establishments that rely on agile and scalable POS infrastructure. Key Vendors Block, Inc. Fiserv, Inc. Ingenico Lightspeed Shopify Toast Other Prominent Vendors Francisco Partners TouchBistro Intuit Loyverse NCR Voyix Corporation Oracle PAX Technology PayPal Seiko Epson Corporation Shift4 Adyen Bindo Labs Limited CHARGE Anywhere eHopper Helcim Hike Lavu Inc. Newland SumUp Inc. Star Micronics Market Segmentation & Forecasts Reader Card Reader Chip & Pin Reader Others Deployment On-Premise Cloud-Based End-User Retail Restaurants Hospitality Others Operating System Android iOS Others Geography North America US Canada Europe Germany UK France Spain Italy APAC China Japan India South Korea Australia Latin America Brazil Mexico Middle East & Africa Turkey UAE Saudi Arabia Other Related Reports that Might be of Your Business Requirement U.S. Self-Tanning Products Market – Focused Insights 2024-2029 Global Flexible Packaging Market - Focused Insights 2024-2029 What Key Findings Will Our Research Analysis Reveal? How big is the global tablet POS systems market? Which reader segment has the largest share in the global tablet POS systems market? What is the growth rate of the global tablet POS systems market? Who are the major players in the global tablet POS systems market? What are the driving factors of the global tablet POS systems market? Which region holds the largest share of the global tablet POS systems market? Which end-user segment provides more business opportunities in the global tablet POS systems market? Why Arizton? 100% Customer Satisfaction 24x7 availability – we are always there when you need us 200+ Fortune 500 Companies trust Arizton's report 80% of our reports are exclusive and first in the industry 100% more data and analysis 1500+ reports published till date Post-Purchase Benefit 1hr of free analyst discussion 10% off on customization About Focus Reports Welcome to Focus Reports, an esteemed Arizton Advisory & Intelligence subsidiary committed to delivering precise and insightful market research reports across all key geographies. Our unique selling proposition lies in our affordable pricing, accurate data, in-depth research, and presentation-ready reports. With us, expensive market research is outdated. We aim to be strategic, providing valuable data.
