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NewsBriefs

This article contains summaries of news stories recently posted under driving the increase. Credit card use rose to 17 monthly
Breaking Industry News on our homepage. For links to these and other transactions, debit cards averaged 14 and cash held steady
full news stories, please visit www.greensheet.com/breakingnews.php. at seven. However, cash continues to decline as a share of
total payments. Cards dominate in-person spending, even
among consumers who still occasionally use cash.

Broader data shows continued growth in card transaction
volumes and values. Industry figures highlight a wider
gap between interchange revenue and total "swipe" fees,
Americans prefer cards over which reached nearly $200 billion in 2025.
digital payments, for now Fraud pressures persist as AI
adoption lags, AFP survey finds
Credit cards remain the dominant payment method in
the United States, according to the latest Worldpay Glob- More than three-quarters of U.S. organizations experi-
al Payments Report. In 2025, credit cards accounted for enced attempted or actual payments fraud in 2025, accord-
49 percent of online spending and 71 percent of in-store ing to the Association for Financial Professionals' latest
spending, far above global averages and usage in regions survey.
such as Asia-Pacific, where mobile payments are more en-
trenched. Business email compromise (BEC) was the leading driver,
affecting 74 percent of organizations, while paper checks
Still, digital wallets are gaining ground, with U.S. wallet remained the most targeted payment method. Adoption
spending projected to grow 10 percent annually and reach of AI-based fraud mitigation tools remains limited at 17
$4.1 trillion by 2030. Younger consumers are leading the percent, though those using them report improved detec-
shift, making wallets and tap-to-pay experiences a clear tion and efficiency.
path toward the future of commerce.
Treasury teams play a central role in identifying and re-
The report also noted continued BNPL growth, cryptocur- sponding to fraud incidents, researchers noted. The sur-
rency's limited direct use and ongoing cross-border pay- vey also found that larger organizations are more likely
ment friction. to suffer financial losses, while smaller firms struggle to

Visa modernizes dispute resolutions recover funds.
Visa introduced six new and enhanced dispute resolution Experts emphasize a shift toward layered fraud preven-
tools aimed at reducing billions of dollars in losses tied to tion strategies combining technology, controls and em-
inefficient processes. The tools use AI and advanced ana- ployee training as payment systems grow more complex.
lytics to help streamline workflows, cut administrative AmEx backs AI transactions
costs and combat fraud.
American Express Co. launched two initiatives to support
Dispute volumes continue to rise, with Visa processing AI-driven commerce: the Agentic Commerce Experience
106 million cases globally in 2025, up 35 percent since 2019. (ACE) developer kit and Agent Purchase Protection. The
New merchant-focused tools include a pre-dispute resolu- ACE kit provides a framework for developers to enable AI
tion network, an AI-driven recovery manager and updates agents to complete transactions with verified identities,
to Visa's Order Insight tool to prevent disputes and reduce captured purchase intent and end-to-end visibility across
friendly fraud. For issuers and acquirers, Visa launched the commerce lifecycle.
AI-powered tools for dispute intelligence, document anal-
ysis and case management. Features include agent registration, tokenized payment
credentials and enhanced transaction context.
The suite is designed to improve decision-making, acceler-
ate resolution and shift dispute management from a back- The moves come as consumer trust in AI-assisted pur-
office burden to a strategic priority. chasing remains mixed, with many still hesitant to let AI
$66 billion in interchange collected in 2025 handle payments. To address this, AmEx said it will pro-
tect cardholders from charges related to AI errors when
U.S. financial institutions collected $66 billion in inter- authorized agents transact on their behalf.
change revenue in 2025, up from $64 billion the previous
year, according to the Federal Reserve Bank of St. Louis. Leveraging its closed-loop network, AmEx aims to deliver
secure, transparent and reliable agentic commerce while
Meanwhile, the Federal Reserve's Diary of Consumer strengthening trust for consumers and merchants as AI
Payment Choice shows consumers are making more pay- adoption grows.
ments than ever—48 per month in 2024—with credit cards

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