AI can help detect synthetic identity fraud, but payments platforms still need governance, evidence, ownership, and operational controls that actually work.

Mastercard’s scam merchant monitoring push signals a shift from after-the-fact chargeback cleanup to earlier detection, faster investigations, and more responsibility for acquirers, PayFacs, PSPs, and platforms.

Nacha’s 2026 ACH fraud-monitoring rules signal a major shift for banks, platforms, Originators, Third-Party Senders, and service providers. ACH fraud prevention is becoming more distributed, more operational, and harder to ignore.

AI can help payments compliance teams move faster, spot patterns, summarize cases, and prioritize alerts, but it cannot replace human judgment, accountability, governance, or defensible decision-making.

Jason and Hayden discuss California’s proposed consumer financial watchdog, pandemic-related government payment fraud, and why EMV 3DS could help e-commerce merchants fight fraud and improve authorization rates.

Jason and Hayden discuss why paper checks are losing relevance, how public transportation could leapfrog into touchless payments, and why financial institution impersonation scams are rising.

Jason and Hayden discuss mobile banking fraud, processor funding holds, merchant chargeback pressure, and how interchange downgrades can quietly eat into payments revenue.

Jason and Hayden discuss open banking security, rising reserve requirements for struggling merchants, and the future of contactless payments with guest Sesie Bonsi of Bleu.

Jason and Hayden discuss card-not-present fraud controls, real-time remittance, earned wage access, and portfolio optimization with Jim Battista of MAPP Advisors.

Jason and Hayden discuss negative option nutraceutical scams, the balance between fraud prevention and customer friction, and how Khipu helps banks manage CBD compliance.