Rob Fernandes

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Rob Fernandes@rob2775·4h

Via POS/PED terminal manufacturer @CastlesEmea - useful update on key trends and #merchant needs for in person payments at checkout in Germany. internetretailing.net/opinion-five-f…

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Rob Fernandes@rob2775·4h

To coincide with yesterday's removal in the UK of the £100 #contactless #payment limit, @TheFCA publish updated PSR guidebook for firms operating in the #payments industry. Changes to authentication section include new consumer duty obligations! 🚨 [PDF] fca.org.uk/publication/fi…

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Rob Fernandes@rob2775·5h

In the UK, @MolliePayments is the latest PSP to roll out PED-less, #mobile-phone native #contactless card #payments acceptance designed for small businesses - alongside their new "Tap" family of SMB payment terminals for #merchants. mollie.com/gb/news/mollie…

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Rob Fernandes@rob2775·1d

Email just received: The @CompaniesHouse exploit revealed last Friday was in place for FIVE MONTHS since an update in October. The logged-in user permission control failure enabled ability to update or file for ANY company and access directors critical PII (DOB, address) 😱

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Rob Fernandes@rob2775·1d

Simplifying #payment terminal compatibility, @ingenico and @Visa announce partnership to enable Visa Acceptance (optimised, direct to Visa processing APIs) on Axium (Nexo standard based) terminals - with pre-certification of devices using the integration. prnewswire.com/news-releases/…

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Rob Fernandes@rob2775·1d

For anyone struggling to keep up with protocols, this is an HTTP layer solve that could sit within Google's AP2 or Stripe's ACP agentic trust, orchestration protocols. This is just message flow & an evolution of @coinbase x402 spec. Do Google / Visa/MC adopt or launch their own?

.@stripe author another #agentic #commerce protocol working with @tempo - an open standard for headless #payments by #AI agents and other software which can bypass #checkout UI flows. In short, an answer for the long reserved HTTP 402 Payment Required. stripe.com/blog/machine-p…

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Rob Fernandes@rob2775·1d

.@stripe author another #agentic #commerce protocol working with @tempo - an open standard for headless #payments by #AI agents and other software which can bypass #checkout UI flows. In short, an answer for the long reserved HTTP 402 Payment Required. stripe.com/blog/machine-p…

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Rob Fernandes@rob2775·2d

US lawmakers (both state and federal level) are still wrestling with ALL the same challenges that the UK @TheFCA consultation faced deciding which lending rules should apply to #BNPL as it moves into regulatory scope (i.e. disclosures, credit checks etc). consumerfinancemonitor.com/2026/03/17/crs…

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Rob Fernandes@rob2775·2d

I love this model, the win/win for merchant and PSP is a product masterstroke - and @Vivacomofficial deserve credit for being way ahead of the market on this.

More #EmbeddedFinance as @UnzerGroup is the latest fast growing SMB #merchant services provider (& card acquirer via @clearhaus ownership) to add integrated account and card for merchant settlement (like @sumup, @vivacomofficial & @teyaglobal before them). unzer.com/en/press/artic…

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Rob Fernandes@rob2775·2d

More #EmbeddedFinance as @UnzerGroup is the latest fast growing SMB #merchant services provider (& card acquirer via @clearhaus ownership) to add integrated account and card for merchant settlement (like @sumup, @vivacomofficial & @teyaglobal before them). unzer.com/en/press/artic…

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Rob Fernandes@rob2775·2d

Major new @Android exploit is modifying OS runtime to hijack #payments apps without altering their code or integrity checks - by intercepting SMS authentication to capture 2FA login & re-writing SIM/device binding to takeover accounts from own devices. 😳 infosecurity-magazine.com/news/android-a…

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Rob Fernandes@rob2775·2d

@inventur_es As defined there's a dependency on someone to send the token (provided by the agent) back to the token issuer to process from the real payment credential, but if it's a Visa/MC VCN it could be sent (along with intent payload) direct to acquirer like a normal card? No docs...

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Marcus Gill Greenwood@inventur_es·2d

@rob2775 If it’s more similar to Apple Pay then they will run into exactly the same problem that we do, which is that it only works with deep merchant gateway integration

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Rob Fernandes@rob2775·3d

Absent any actual material from this programme, there is a high chance based on my newsfeed each week that Visa/MC marketing teams are simply engaged in a PR space race #vagueposting about issuer testing while co-workers rush to build #agentic stuff. 🫣

.@Visa picks the UK and Europe for first roll out of "Visa #Agentic Ready" programme, supporting card issuers to test #AI #agent #payments with #merchants. Region is first due to "high adoption of tokenisation and [3D secure] authentication". visa.co.uk/about-visa/new…

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Rob Fernandes@rob2775·2d

The @UKParliament @CommonsTreasury committee has written to @LloydsBank asking for more details about last weeks #payments and transactions data leak between customer online banking accounts. committees.parliament.uk/committee/158/…

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Rob Fernandes@rob2775·2d

@inventur_es Good question, that was my assumption (they store the authentication cryptogram CAVV/AVV within the intent signature that the agent then uses) but there's not a lot of evidence/detail in Visa/MC comms/docs yet - my bet is "human not present" <5% vs 95% agent asks user to approve.

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Marcus Gill Greenwood@inventur_es·2d

@rob2775 So maybe they'll run 3DS challenge at the beginning when you create the card and then it will just work for whatever at the point it's actually used?

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Rob Fernandes@rob2775·2d

.@Klarna have passed 1 million #merchants globally, accelerated using distribution partnerships via other #payments companies - adding 285,000 checkouts in 2025 alone. investors.klarna.com/News--Events/n…

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Rob Fernandes@rob2775·2d

@inventur_es There's no evidence of what the agentic ready issuer programme entails but yes it will likely involve creating one time VCNs like on ApplePay and explaining to the issuers how these are deployed/consumed in Trusted Agent Protocol, AP2 etc

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Marcus Gill Greenwood@inventur_es·2d

@rob2775 I'm confused. How is this not just virtual card issuance rebranded as something cooler?

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Rob Fernandes@rob2775·3d

Well this is awkward with @Visa using BVNK to support stablecoin payments in @VISADIRECT (but hopefully a good return on Visa Ventures investment!)

.@Mastercard buying London #Fintech @BVNKFinance for $1.8bn, recognising the accelerating importance of #stablecoins in cross-border #payments infrastructure - as well as growing #CBDC opportunity for cross-sell via @Vocalink / Nets national scheme roles. investor.mastercard.com/investor-news/…

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Rob Fernandes@rob2775·3d

.@Mastercard buying London #Fintech @BVNKFinance for $1.8bn, recognising the accelerating importance of #stablecoins in cross-border #payments infrastructure - as well as growing #CBDC opportunity for cross-sell via @Vocalink / Nets national scheme roles. investor.mastercard.com/investor-news/…

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Rob Fernandes@rob2775·3d

Global SaaS #Telco operating platform @CirclesSaaS partners @airwallex for #EmbeddedFinance support in 70 countries, enabling telcos to launch wallet & banking services and increase customer LTV. Fantastic example of software x #payments at scale. circles.co/in-the-loop/em…

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