The Green Sheet Online Edition
April 27, 2026 • 26:04:02
News Briefs
Americans prefer cards over digital payments, for now <- click to read full story
Credit cards remain the dominant payment method in the United States, according to the latest Worldpay Global Payments Report. In 2025, credit cards accounted for 49 percent of online spending and 71 percent of in-store spending, far above global averages and usage in regions such as Asia-Pacific, where mobile payments are more entrenched.
Still, digital wallets are gaining ground, with U.S. wallet spending projected to grow 10 percent annually and reach $4.1 trillion by 2030. Younger consumers are leading the shift, making wallets and tap-to-pay experiences a clear path toward the future of commerce.
The report also noted continued BNPL growth, cryptocurrency's limited direct use and ongoing cross-border payment friction.
Visa modernizes dispute resolutions <- click to read full story
Visa introduced six new and enhanced dispute resolution tools aimed at reducing billions of dollars in losses tied to inefficient processes. The tools use AI and advanced analytics to help streamline workflows, cut administrative costs and combat fraud.
Dispute volumes continue to rise, with Visa processing 106 million cases globally in 2025, up 35 percent since 2019. New merchant-focused tools include a pre-dispute resolution network, an AI-driven recovery manager and updates to Visa's Order Insight tool to prevent disputes and reduce friendly fraud. For issuers and acquirers, Visa launched AI-powered tools for dispute intelligence, document analysis and case management.
The suite is designed to improve decision-making, accelerate resolution and shift dispute management from a back-office burden to a strategic priority.
$66 billion in interchange collected in 2025 <- click to read full story
U.S. financial institutions collected $66 billion in interchange revenue in 2025, up from $64 billion the previous year, according to the Federal Reserve Bank of St. Louis.
Meanwhile, the Federal Reserve's Diary of Consumer Payment Choice shows consumers are making more payments than ever—48 per month in 2024—with credit cards driving the increase. Credit card use rose to 17 monthly transactions, debit cards averaged 14 and cash held steady 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, which reached nearly $200 billion in 2025.
Fraud pressures persist as AI adoption lags, AFP survey finds <- click to read full story
More than three-quarters of U.S. organizations experienced attempted or actual payments fraud in 2025, according to the Association for Financial Professionals' latest survey.
Business email compromise (BEC) was the leading driver, affecting 74 percent of organizations, while paper checks remained the most targeted payment method. Adoption of AI-based fraud mitigation tools remains limited at 17 percent, though those using them report improved detection and efficiency.
Treasury teams play a central role in identifying and responding to fraud incidents, researchers noted. The survey also found that larger organizations are more likely to suffer financial losses, while smaller firms struggle to recover funds.
Experts emphasize a shift toward layered fraud prevention strategies combining technology, controls and employee training as payment systems grow more complex.
AmEx backs AI transactions <- click to read full story
American Express Co. launched two initiatives to support AI-driven commerce: the Agentic Commerce Experience (ACE) developer kit and Agent Purchase Protection. The ACE kit provides a framework for developers to enable AI agents to complete transactions with verified identities, captured purchase intent and end-to-end visibility across the commerce lifecycle.
Features include agent registration, tokenized payment credentials and enhanced transaction context.
The moves come as consumer trust in AI-assisted purchasing remains mixed, with many still hesitant to let AI handle payments. To address this, AmEx said it will protect cardholders from charges related to AI errors when authorized agents transact on their behalf.
Leveraging its closed-loop network, AmEx aims to deliver secure, transparent and reliable agentic commerce while strengthening trust for consumers and merchants as AI adoption grows. 
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