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    <description>Reporting on product launches, service outages, licensing decisions, enforcement actions and partnership changes across payments and digital banking.</description>
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      <title>How Chargebacks Work — and What Merchants Can Actually Contest</title>
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      <description><![CDATA[Chargebacks reverse card sales at the issuer's hand and give merchants a narrow evidence window to fight back. Here is how the process runs and what evidence wins.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:56:17 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>How a Card Chargeback Moves From Dispute to Final Decision</title>
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      <description><![CDATA[A chargeback pulls funds back from a merchant's account before any human at the business sees a complaint, and the clock the merchant is racing starts the moment the acquirer sends notice, not the moment the cardholder called.]]></description>
      <pubDate>Tue, 18 Aug 2026 08:47:50 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>Federal Reserve&apos;s Regulation II Caps Debit Interchange At 21 Cents</title>
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      <description><![CDATA[Regulation II has bound large-bank debit interchange to 21 cents plus 5 basis points of transaction value since October 2011, with a fraud-prevention add-on and a size threshold that keeps smaller issuers outside the cap.]]></description>
      <pubDate>Sat, 15 Aug 2026 08:47:48 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
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      <title>How FedNow Settles Instant Payments in Master Accounts, Now Capped at $10 Million</title>
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      <description><![CDATA[The Federal Reserve's instant rail settles in central bank money around the clock, with network limits raised to $10 million effective November 12, 2025.]]></description>
      <pubDate>Thu, 13 Aug 2026 08:47:47 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>What PCI DSS 4.0 Now Requires From Merchants After March 2025</title>
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      <description><![CDATA[What PCI DSS 4.0 requires from merchants now: script integrity, tamper detection, MFA expansion and SAQ paths after the March 31, 2025 activation.]]></description>
      <pubDate>Sat, 01 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>Visa, Mastercard and Stripe Reportedly Back New Stablecoin Platform</title>
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      <description><![CDATA[Visa, Mastercard and Stripe reportedly back a new stablecoin platform, per CoinDesk via PYMNTS, June 3, 2026; no company has confirmed the project.]]></description>
      <pubDate>Thu, 09 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>Revolut&apos;s OCC Charter Application Reaches Month Three in US Push</title>
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      <description><![CDATA[Revolut filed for a US national bank charter with the OCC on March 5, 2026, naming Cetin Duransoy US CEO, per the company and Reuters.]]></description>
      <pubDate>Tue, 16 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
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      <title>How BNPL Underwriting Split From Card Underwriting in Five Moves</title>
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      <description><![CDATA[BNPL underwriting vs card underwriting: soft pulls, merchant data, pay-in-4 structures and the CFPB rule that came and went by 2025.]]></description>
      <pubDate>Mon, 25 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>William Elliott</dc:creator>
      <category>Fintech News</category>
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      <title>How Instant Account Verification Displaced Micro-Deposits for Bank Linking</title>
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      <description><![CDATA[Instant account verification vs micro-deposits: how IAV works, fraud trade-offs, conversion effects and NACHA validation timelines for payment teams.]]></description>
      <pubDate>Sat, 02 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>Treasury Proposes State-Regime Test as GENIUS Act Stablecoin Rules Take Shape</title>
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      <description><![CDATA[GENIUS Act implementation 2026: Treasury state-regime test, OCC, FDIC and NCUA proposals and the July 18, 2026 deadline, per Federal Register dockets.]]></description>
      <pubDate>Thu, 09 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>William Elliott</dc:creator>
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      <title>How FDIC and Fed Consent Orders Reshaped BaaS Banking After Synapse</title>
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      <description><![CDATA[BaaS supervision after the Synapse collapse: the six FDIC and Fed consent orders of 2024, third-party risk guidance and what partner banks must now prove.]]></description>
      <pubDate>Tue, 17 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>How Embedded Finance Puts Banking Inside Software Platforms Through Sponsor Banks</title>
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      <description><![CDATA[Embedded finance explained: sponsor-bank structure, API layers, revenue splits and who holds regulatory responsibility, anchored to 2024 consent orders.]]></description>
      <pubDate>Mon, 23 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>CFPB Open Banking Rule Faces April Compliance Date With Docket Unresolved</title>
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      <description><![CDATA[CFPB open banking rule status: the April 1, 2026 compliance date stands while the 2025 reconsideration sits undecided, per Federal Register records.]]></description>
      <pubDate>Sat, 31 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
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      <title>How Chime and Other Neobanks Turn Free Checking Into Interchange Revenue</title>
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      <description><![CDATA[How neobanks make money on free checking: Chime's interchange economics, Durbin caps, premium tiers and float, per its 2025 S-1.]]></description>
      <pubDate>Thu, 08 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
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