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Finextra’s webinar announcement frames fraud intelligence as a commercial issue for payment acquirers, not just a fraud-prevention expense. It points to merchant concern about false declines and tighter Visa monitoring thresholds, while leaving the panel’s recommendations and commercial results unreported.
Finextra has announced a webinar examining how payment acquirers can commercialise fraud intelligence, as merchants weigh fraud performance and false-positive rates when choosing payment providers. The event brief also points to tighter Visa monitoring thresholds and the growing commercial stakes of rejecting legitimate transactions, but it does not report findings from the panel or name any new product or business deal.
According to Finextra’s event brief, merchants are increasingly assessing false-positive rates and chargeback handling alongside price in requests for proposals. The brief presents fraud controls as relevant not only to losses and compliance, but also to an acquirer’s ability to win and retain merchant business. Finextra is hosting the event in association with ACI Worldwide.
The brief attributes its figures to the Merchant Risk Council, saying that 65% of merchants in 2026 estimate false positives affect between 2% and 10% of their e-commerce orders. It also cites projected global merchant losses from false positives of more than $231 billion in 2026, compared with projected card fraud losses of $39.6 billion. These are estimates reported in the event material; Finextra’s announcement does not independently verify them or provide the underlying methodology.
For oversight, Finextra’s brief says an April 2026 update to Visa’s Acquirer Monitoring Program (VAMP) lowered its ratio threshold from 220 to 150. The brief defines the ratio as combined fraud and dispute counts divided by total settled Visa transactions and says the change increases acquirer accountability for portfolio-wide ratios. It does not set out the program’s full operating rules or explain how individual acquirers are affected.
Fraud Metrics Enter Merchant Selection
Finextra’s event brief makes the case that fraud prevention affects both risk and payment conversion. Blocking fraudulent transactions can limit losses, while mistakenly rejecting legitimate orders can cost merchants sales. The brief says merchants consider false declines and dispute handling alongside fees, potentially making an acquirer’s fraud capabilities relevant to sales decisions.
The announcement presents fraud intelligence as a possible service advantage rather than only an internal control cost. Better information could help acquirers distinguish suspicious activity from legitimate customer behavior and respond across payment channels. However, Finextra offers this as a topic for discussion, not evidence that specific tools have improved approval rates or margins.
Finextra also cites the VAMP threshold change as a compliance consideration. As described in the event brief, a lower monitoring threshold may increase pressure on acquirers to track fraud and disputes across their portfolios. The actual impact will depend on program details and each institution’s exposure. The announcement does not quantify that impact.
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The Webinar’s Proposed Toolkit
Finextra’s event description asks how changing fraud risks have become a commercial issue for acquirers and what regulatory and card-scheme pressures mean for portfolio-wide performance. It also raises whether legacy approaches can keep pace with evolving financial crime. The announcement cites the Visa update but does not describe a broader new industry rule or give a timeline for adopting particular technologies.
The approaches identified in the event brief include artificial intelligence for real-time fraud prevention across channels and payment types, alongside digital identity and network intelligence to improve customer assessment. Finextra also lists explainability and operational efficiency as concerns. These are topics for the panel, not documented outcomes or product specifications. The announcement does not explain what data would feed these systems, how decisions would be audited, or how false positives would be measured consistently.
Finextra lists Marc Trepanier, director of analytics and optimization for fraud and financial crime at ACI Worldwide, as a speaker, and identifies Sharon Kimathi, a Finextra researcher, as moderator. The announcement provides no quotations from either speaker and no transcript of the discussion.
Results and Rules Still Unspecified
The available material is Finextra’s webinar announcement and event brief, not a report on a completed discussion. It does not disclose the panel’s conclusions, examples of acquirers generating revenue from fraud intelligence, or measured effects on merchant retention, approval rates, losses or margins. The announcement also does not specify which commercial models the speakers will address, such as analytics services, bundled tools or performance-based pricing.
Finextra presents the financial figures as 2026 estimates but does not provide their methodology or links to underlying studies beyond attributing the merchant survey statistic to the Merchant Risk Council. Its announcement also gives no detail about how the VAMP threshold is applied, what consequences follow when a ratio is exceeded, or whether other scheme or regulatory changes are in scope. Those details cannot be inferred from the event summary alone.
Panel Discussion to Set Out Options
According to Finextra’s event description, Trepanier is expected to discuss the subject with Kimathi moderating. The panel is scheduled to address merchant fraud concerns, acquirer accountability, AI, explainability and operational efficiency, as well as ways to turn fraud strategies into a competitive advantage. The supplied announcement does not state the event date, provide registration details beyond inviting readers to register, or publish an agenda with specific recommendations.
After the discussion, evidence of commercialisation would require more than the announcement’s framing: for example, disclosed service models, customer adoption, and measured changes in fraud losses or legitimate transaction approvals. Finextra’s available material includes no such figures or commitments.
Key Questions
What is the news?
Finextra has announced a webinar about how payment acquirers may commercialise fraud intelligence and make fraud performance part of their merchant value proposition.
Why are false positives relevant to acquirers?
False positives can block legitimate purchases, potentially costing merchants sales. Finextra’s event brief says merchants increasingly assess false-positive rates and chargeback handling when comparing acquirers.
What change does the source cite for Visa monitoring?
Finextra’s announcement says an April 2026 update to Visa’s Acquirer Monitoring Program lowered the VAMP ratio threshold from 220 to 150. The brief defines the ratio using combined fraud and dispute counts divided by settled Visa transactions; it does not provide the full program rules.
Which technologies are mentioned?
Finextra’s event brief names AI for real-time fraud prevention, digital identity and network intelligence. It raises explainability and operational efficiency as discussion topics, without reporting outcomes from using these tools.
Has the webinar shown that fraud intelligence boosts revenue?
No. Finextra’s announcement describes commercialisation as a question for the panel. It provides no measured revenue, margin or conversion results and no specific acquirer business model.
Source: finextra.com
