Arthur Bedel 💳 ♻️
San Francisco, California, United States
75K followers
500+ connections
75K followers
500+ connections
About
Arthur Bedel is an 𝐞𝐱𝐞𝐜𝐮𝐭𝐢𝐯𝐞 𝐥𝐞𝐚𝐝𝐞𝐫 𝐢𝐧 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐚𝐧𝐝…
Articles by Arthur
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75K followers
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Arthur Bedel 💳 ♻️ shared thisWelcome to 𝐓𝐡𝐞 𝐄𝐮𝐫𝐨𝐩𝐞𝐚𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐒𝐞𝐫𝐢𝐞𝐬 by 𝐖𝐞𝐫𝐨 🇪🇺 — Episode 1 👇 𝐖𝐞𝐫𝐨 is 𝐄𝐮𝐫𝐨𝐩𝐞’𝐬 payment scheme and 𝐝𝐢𝐠𝐢𝐭𝐚𝐥 w𝐚𝐥𝐥𝐞𝐭. Developed by the EPI Company to provide a unified, secure, and bank-led alternative to legacy card schemes and fragmented A2A solutions. Currently operational in Germany, France, and Belgium — with the Netherlands and Luxembourg coming soon. — 𝐓𝐡𝐞 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞: A fragmented payments landscape in Europe with no pan-European solution in front of international card schemes and wallets ► Domestic A2A schemes → iDEAL (NL), Paylib (FR), Payconiq International (BE/LUX) ► Domestic Mobile wallets → Vipps, Swish, TWINT, Bizum, Satispay This complexity results in inconsistent consumer experiences, increased costs for merchants, and limited cross-border interoperability. — 𝐇𝐨𝐰 𝐝𝐨𝐞𝐬 𝐖𝐞𝐫𝐨 𝐰𝐨𝐫𝐤? EPI Company developed Wero with its own proprietary APIs which issuers and acquirers implement. SCT INST is used for settlement and has the flexibility to use other settlement layers for new or different use cases. It is deployed through two main channels: 1️⃣ 𝐌𝐨𝐛𝐢𝐥𝐞 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐀𝐩𝐩 𝐈𝐧𝐭𝐞𝐠𝐫𝐚𝐭𝐢𝐨𝐧 — Leveraging the trust and reach of consumer banks 2️⃣ 𝐖𝐞𝐫𝐨 Digital Wallet 𝐀𝐩𝐩 — A consistent, cross-market interface → 𝐂𝐨𝐧𝐬𝐞𝐧𝐭-𝐁𝐚𝐬𝐞𝐝 𝐀𝐫𝐜𝐡𝐢𝐭𝐞𝐜𝐭𝐮𝐫𝐞 Wero’s consent model: commercial payments involve four steps: consent, authorization with SCA (biometrics), capture and settlement for flexible integration that easily adaptable to different payment use cases from one-time payments to subscriptions. → 𝐎𝐦𝐧𝐢𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐄𝐧𝐚𝐛𝐥𝐞𝐦𝐞𝐧𝐭 • One-time payments • Subscriptions and recurring billing • Pay-on-shipment, availability of goods, fulfilment of service, and delivery. • QR-based point-of-sale payments to come • Self-service kiosks • P2P and upcoming P2Pro transactions — 𝐓𝐡𝐞 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧: → 𝐂𝐨𝐧𝐬𝐮𝐦𝐞𝐫𝐬 • No need for card or IBAN entry • Bank-grade protection with SCA, fraud scoring additional to banks’, and dispute resolution • Consumers can fulfil all their payment needs - e-commerce, in-store, P2P payments - from their Wero wallet. → 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬 • Access to main European markets through one European payment method • Lower total cost of acceptance compared to cards • Loyalty and ID verification to come → 𝐄𝐮𝐫𝐨𝐩𝐞 • Backed by 24+ major PSPs and acquirers • Consolidates Paylib, iDEAL, and Payconiq International under one framework • Designed to comply with PSD2 and aligned to EU regulation — 𝐖𝐞𝐫𝐨’𝐬 𝐌𝐨𝐦𝐞𝐧𝐭𝐮𝐦 𝐒𝐨 𝐅𝐚𝐫 • 46M+ users enrolled • €9.8 bn transferred since inception • 25 banks/banking groups live with P2P solution • Migrations from iDEAL, Paylib, and Payconiq International underway — Source: EPI Company x Connecting the dots in Payments... ► 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 : https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ shared this𝐈𝐟 𝐈 𝐬𝐚𝐲 𝐏𝐚𝐝𝐞𝐥 𝐱 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 → 𝐥𝐞𝐭'𝐬 𝐩𝐥𝐚𝐲 𝐏𝐚𝐝𝐞𝐥 𝐏𝐢𝐧𝐠 🎾 I'm not a big Gamer, probably because I get WAY too competitive, buuuuuut Checkout.com has launched 𝐏𝐚𝐝𝐞𝐥 𝐏𝐢𝐧𝐠, a padel-inspired arcade game featuring legends Ale Galán and Delfi Brea! I may have played tennis in another life. Different court, different sport — same mindset (performance at all cost). 𝐓𝐡𝐢𝐧𝐤 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐛𝐞𝐚𝐭 𝐦𝐞? → https://lnkd.in/gbCe2xv7 Let the games begin. — Source: Checkout.com ► Sign up to 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ shared this🚨 𝐓𝐡𝐞 𝐑𝐢𝐬𝐞 𝐨𝐟 𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐢𝐧 𝐋𝐀𝐓𝐀𝐌 — 𝐛𝐲 Getnet 👇 As SMEs across Latin America push toward digitalization, one challenge remains constant: access to credit. Traditional lending models often fail to support the needs of micro, small, and medium-sized businesses. Embedded lending is closing that gap 👇 𝐓𝐡𝐞 𝐋𝐚𝐧𝐝𝐬𝐜𝐚𝐩𝐞 🌐 ► In LATAM, over 90% of companies are SMEs — yet only a small fraction receive formal financing ► Digital platforms are now embedding credit into their ecosystems, offering contextual, data-driven lending solutions with seamless user experiences. 👇 𝐖𝐡𝐚𝐭 𝐢𝐬 𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠? 👀 ► Embedded lending allows businesses to offer credit directly within their own platforms — whether e-commerce, SaaS, acquirers, or marketplaces ► Rather than redirecting to a traditional bank, credit is issued in real-time at the point of need — backed by alternative data and simplified KYC processes 👇 𝐓𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐯𝐬. 𝐌𝐨𝐝𝐞𝐫𝐧 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐓𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐋𝐞𝐧𝐝𝐢𝐧𝐠: → Paper-heavy onboarding → Fixed approval logic → Long disbursement cycles → One-size-fits-all financing 𝐌𝐨𝐝𝐞𝐫𝐧 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 Models: → BNPL (Buy Now, Pay Later) Short-term installment credit offered at the point of sale — often with zero interest — allowing SMEs to access necessary goods/services while smoothing cash flow → Invoice Factoring SMEs sell their outstanding invoices to lenders for immediate cash — unlocking working capital without taking on new debt → Merchant Cash Advances Financing based on a merchant’s projected credit card sales or daily revenue, typically repaid via a % of future transactions → Recurring Revenue Lending Tailored for SaaS companies and subscription-based businesses, this model lends against predictable monthly recurring revenue → API-Based Embedded Lending Fully digital, contextual lending offered directly within a platform’s interface. Credit terms are calculated based on real-time behavioral and transactional data, with instant loans issued These new models reflect a fundamental shift: from rigid credit products to embedded, data-driven financing that meets SMEs where they operate 👇 𝐓𝐡𝐞 𝐄𝐯𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐢𝐧 𝐋𝐀𝐓𝐀𝐌 📈 ► Embedded lending is projected to grow 5x in Latin America over the next 3 years, as platforms integrate financing tools into their core offerings ► By embedding credit at checkout or payout, platforms like Getnet are enabling merchants to access capital tied to their revenue and transaction data ► This is not just fintech innovation — it’s ecosystem transformation, unlocking working capital for millions of businesses across the region Embedded lending isn’t just a trend — it’s the next infrastructure layer for LATAM’s digital commerce economy — Source: Getnet ► Subscribe to 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ shared this𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬: the next infrastructure shift in AI-powered commerce 👇 𝐀𝐈 𝐢𝐬 𝐧𝐨 𝐥𝐨𝐧𝐠𝐞𝐫 𝐣𝐮𝐬𝐭 𝐚𝐬𝐬𝐢𝐬𝐭𝐢𝐧𝐠 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 — 𝐢𝐭’𝐬 𝐞𝐱𝐞𝐜𝐮𝐭𝐢𝐧𝐠 𝐭𝐡𝐞𝐦. The industry is shifting from recommendation engines to autonomous payment agents capable of making purchases, comparing prices, optimizing timing, and paying bills. This is the foundation of Agentic Payments, and companies like Pomelo, VGS, Stripe, Checkout.com, Mastercard, Visa, PayPal, Apple, and others are actively building toward this new paradigm. — 𝐖𝐡𝐚𝐭 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐚𝐫𝐞? They are AI-driven, rule-based, tokenized transactions that run autonomously, but under explicit user instructions and consent. Pomelo’s framework outlines 4️⃣ foundational components: 1️⃣ Conversational interfaces where users instruct the AI (“Buy coffee on the 30th of every month”). 2️⃣ Tokenized card credentials stored securely for agent-initiated payments (various type of credentials could be used actually). 3️⃣ API-native payment infrastructure — gateways, MCP servers, and card networks — enabling the agent to interact directly with merchants (part of the handshake process). 4️⃣ Merchant endpoints where the agent executes the transaction. → This marks the beginning of true agent-to-merchant commerce. — Real use cases emerging today (live or in development): 𝐏𝐫𝐞𝐝𝐢𝐜𝐭𝐢𝐯𝐞 𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐞 The AI detects inventory patterns and reorders recurring items such as pet food (Chewy) without user intervention. 𝐅𝐚𝐦𝐢𝐥𝐲 𝐑𝐞𝐦𝐢𝐭𝐭𝐚𝐧𝐜𝐞𝐬 Agents send monthly transfers and time the transaction to secure optimal FX rates on platforms like Wise and Revolut. 𝐒𝐚𝐚𝐒 𝐒𝐮𝐛𝐬𝐜𝐫𝐢𝐩𝐭𝐢𝐨𝐧 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 An SME’s AI renews software licenses; if pricing changes, it evaluates alternatives and optimizes spend. These illustrate how autonomous financial behaviors are expanding across consumer, SME, and cross-border scenarios. — 𝐖𝐡𝐚𝐭 𝐰𝐢𝐥𝐥 𝐚𝐜𝐜𝐞𝐥𝐞𝐫𝐚𝐭𝐞 𝐭𝐡𝐢𝐬 𝐭𝐫𝐞𝐧𝐝? 𝐍𝐞𝐭𝐰𝐨𝐫𝐤 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 I CANNOT stress this point enough, this is the core payment component behind agentic. Merchants need to be EXPERTS at Network Tokenization as most transactions will be leverage them. Companies like VGS, Checkout.com and others will provide secure, reusable tokens that AI agents can operate with across devices. 𝐈𝐝𝐞𝐧𝐭𝐢𝐭𝐲 𝐚𝐧𝐝 𝐃𝐞𝐯𝐢𝐜𝐞 𝐁𝐢𝐧𝐝𝐢𝐧𝐠 Strong ID&V, biometrics, secure elements, and platform wallets enable high-trust autonomous actions. 𝐒𝐡𝐢𝐟𝐭 𝐟𝐫𝐨𝐦 𝐔𝐬𝐞𝐫 𝐀𝐜𝐭𝐢𝐨𝐧 𝐭𝐨 𝐔𝐬𝐞𝐫 𝐈𝐧𝐭𝐞𝐧𝐭 Users no longer “perform” payments. They authorize ongoing patterns, and the agent executes them securely and contextually. This is why Agentic Commerce has become a top strategic thesis across the payments industry. — Source: Pomelo ► 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ shared this𝐌𝐚𝐝𝐫𝐢𝐝, you were a special 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐎𝐯𝐞𝐫 𝐏𝐥𝐚𝐭𝐞𝐬🍷🇪🇸 Last night, brought together what truly moves this industry forward — sharp minds, honest conversations, and 𝐭𝐡𝐞 𝐤𝐢𝐧𝐝 𝐨𝐟 𝐡𝐮𝐦𝐚𝐧 𝐞𝐧𝐞𝐫𝐠𝐲 𝐲𝐨𝐮 𝐜𝐚𝐧’𝐭 𝐫𝐞𝐩𝐥𝐢𝐜𝐚𝐭𝐞. Thank you to this incredible group for making the evening memorable 🤝: Laura Maldonado Reverto • Jaime Cerdeira • Carlos Mcilwain • Christian Sánchez • Cristina Canonaco • Nicolas Moyano Migliorisi • Francesca Cedrola • Susana Delgado • Jorge Otamendi • Jorge Rata Quesada • Jose Manuel Peral Cortes • Rania Lamprou • Michelle Wong • Federico Hernandez • Thomas Farran • Fernando Rodriguez Ferrer Last but not least, it wouldn’t have been the same without my co-host Damijan Pezdiček, our Head of Europe at VGS — hosting skills, unbeaten. — 𝐓𝐨𝐩𝐢𝐜𝐬 𝐭𝐡𝐚𝐭 𝐬𝐭𝐨𝐥𝐞 𝐭𝐡𝐞 𝐧𝐢𝐠𝐡𝐭👇 ► 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐞 — beyond the hype. How things really stand today, merchant readiness and the reality of the solutions that will be brought to market. 𝐓𝐋𝐃𝐑 → If you aren't an expert in Network Tokenization, I highly suggest making that a priority. ► 𝐒𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 𝐑𝐚𝐢𝐥𝐬 — from experiments to real applications. Cross-border, treasury, payouts… merchants are testing more than most people realize. 🏆 We obviously had to make it a little person with a round of 2 𝐓𝐫𝐮𝐭𝐡𝐬 / 1 𝐋𝐢𝐞 — this may have been the highlight based on smiles, head nodes and laughters. — In the end, it was a simple reminder: 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐢𝐬 𝐚𝐛𝐨𝐮𝐭 𝐩𝐞𝐨𝐩𝐥𝐞 — trust, curiosity, and genuine human connection. None of this would be possible without VGS, powering human connections with this events in the payments industry. Proud to be part of the team. To many more! 🚀 — ► 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ shared this𝐖𝐡𝐚𝐭 𝐢𝐬 𝟑𝐃 𝐒𝐞𝐜𝐮𝐫𝐞 — The Authentication Layer in Card-Not-Present Transactions 👇 3D Secure (3DS) is a security protocol developed by EMVCo to authenticate online cardholders in real time. It facilitates risk-based authentication between the issuer, merchant, cardholder, and Access Control Server (ACS)—creating an added layer of trust in card-not-present (CNP) transactions. — 𝐇𝐨𝐰 𝐝𝐨𝐞𝐬 𝟑𝐃 𝐒𝐞𝐜𝐮𝐫𝐞 𝐰𝐨𝐫𝐤? 3DS dynamically adapts to the transaction risk profile using one of two core flows: 1️⃣ 𝐅𝐫𝐢𝐜𝐭𝐢𝐨𝐧𝐥𝐞𝐬𝐬 𝐅𝐥𝐨𝐰 ✔ No customer interaction ✔ The issuer’s ACS validates the cardholder silently using contextual signals (device ID, IP, geolocation, past behavior) ✔ Ideal for low-risk transactions and returning users 2️⃣ 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞 𝐅𝐥𝐨𝐰 ✔ Issuer actively authenticates the cardholder ✔ Methods may include OTP, face ID, fingerprint, or app push notification ✔ Used when risk is elevated or regulatory thresholds require stronger SCA (e.g., PSD2 in Europe) — 𝐖𝐡𝐚𝐭 𝐢𝐬 𝐋𝐢𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐒𝐡𝐢𝐟𝐭? When 3DS is applied (and the issuer approves the authentication), liability for fraud-related chargebacks shifts from the merchant to the issuer. This is especially critical for: → High-value CNP transactions → Cross-border payments → SCA-mandated regions (e.g., EU, UK, India) — 𝐒𝐭𝐚𝐧𝐝𝐚𝐥𝐨𝐧𝐞 𝟑𝐃𝐒 𝐯𝐬. 𝐏𝐒𝐏-𝐞𝐧𝐚𝐛𝐥𝐞𝐝 𝟑𝐃𝐒 📌 Standalone 3DS - Merchants directly integrate with a 3DS provider or ACS (VGS, Forter...) → Full control over routing, rules, and orchestration → More complex setup, ongoing maintenance, and liability handling → Best for technology-driven & enterprise merchants 📌 PSP-enabled 3DS - the PSP(Checkout.com, Adyen, Getnet, Payplug...) manages the 3DS flow → Simpler integration, streamlined performance → Embedded in the PSP’s payment flow → Built-in liability management and reporting → Less granular control over ACS selection or custom rule logic → Best for traditional merchants or start/scale-ups. — 𝐖𝐡𝐲 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬 𝐬𝐡𝐨𝐮𝐥𝐝 𝐜𝐚𝐫𝐞 ► Seamless user experience with risk-based friction reduction ► Increased authorization rates through dynamic routing ► Fraud reduction + chargeback liability protection ► Regulatory compliance with PSD2, RBI, and global SCA mandates — Source: Checkout.com ► Sign up to 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ shared this𝐂𝐥𝐨𝐮𝐝 𝐓𝐨𝐤𝐞𝐧 𝐅𝐫𝐚𝐦𝐞𝐰𝐨𝐫𝐤 — the new digital identity solution by Visa, bringing an ApplePay experience to all 👇 The rise of digital commerce brings immense opportunities — but also a need for enhanced security, particularly for Card-Not-Present (#CNP) transactions. This is where the Cloud Token Framework (#CTF) steps in, transforming how payments are secured across multiple devices, bringing an ApplePay-like enhanced customer experience. — 𝐃𝐞𝐟𝐢𝐧𝐢𝐭𝐢𝐨𝐧 𝐨𝐟 𝐂𝐥𝐨𝐮𝐝 𝐓𝐨𝐤𝐞𝐧 𝐅𝐫𝐚𝐦𝐞𝐰𝐨𝐫𝐤: The Cloud Token Framework (CTF) by Visa allows any connected device to become a secure channel for digital commerce, minimizing risks associated with handling sensitive payment data. It enables the tokenization of CNP transactions, ensuring a seamless, secure payment experience across devices, combining consumer identity verification (ID&V) with device intelligence. In essence, CTF creates 𝐚𝐧 𝐨𝐧𝐥𝐢𝐧𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐛𝐢𝐧𝐝𝐢𝐧𝐠 𝐚 𝐧𝐞𝐭𝐰𝐨𝐫𝐤 𝐭𝐨𝐤𝐞𝐧 𝐭𝐨 𝐚 𝐝𝐞𝐯𝐢𝐜𝐞 𝐚𝐧𝐝 𝐥𝐞𝐯𝐞𝐫𝐚𝐠𝐢𝐧𝐠 𝐛𝐢𝐨𝐦𝐞𝐭𝐫𝐢𝐜𝐬 on that same device for the transaction to be initiated. An experience more secure than an in-person experience (in my opinion). — 𝐇𝐨𝐰 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐰𝐨𝐫𝐤: 1. The cardholder reviews the items in their booking and proceeds to checkout 2. The cardholder enters their card details and contact information 3. The app prompts the cardholder with a verification request to designate the device as trusted for future purchases 4. The merchant or other token requestor displays a list of consumer ID&V methods available from the issuer and the cardholder selects their preferred ID&V method 5. The cardholder completes verification via the ID&V method 6. Once confirmed, the cardholder receives a message to confirm that their device is trusted for subsequent transactions 7. On the trusted device, the cardholder is prompted to verify and confirm their booking 8. Once confirmed, the cardholder’s transaction is complete. The issuer receives the required device information to perform further checks — 𝐏𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬: 𝐄𝐥𝐞𝐯𝐚𝐭𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐚𝐜𝐫𝐨𝐬𝐬 𝐝𝐞𝐯𝐢𝐜𝐞𝐬 Use consumer ID&V and device intelligence to link the consumer, cardholder and their associated devices to help prevent account takeover fraud 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐝𝐞𝐯𝐢𝐜𝐞𝐬 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞 Enable a trusted device to minimize friction and improve authorization rates for CNP transactions 𝐅𝐮𝐭𝐮𝐫𝐞-𝐏𝐫𝐨𝐨𝐟 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 Expand digital commerce use cases with an end-to-end, secure and scalable token solution The ApplePay experience was a revolution. Visa with Cloud Token Framework and Mastercard with TAS are bringing those to us all via tokenization! — Source: Visa ► 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ shared this𝐇𝐞𝐥𝐥𝐨 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐅𝐚𝐧𝐚𝐭𝐢𝐜𝐬! Coming in hot — ”𝐓𝐨𝐩 𝐔𝐩𝐝𝐚𝐭𝐞𝐬 𝐨𝐟 𝐭𝐡𝐞 𝐖𝐞𝐞𝐤" by Marcel van Oost — a recap of the most valuable insights in the Payments Industry on a weekly basis. In this edition, we discuss: 🌍 𝐂𝐥𝐢𝐜𝐤 𝐭𝐨 𝐏𝐚𝐲 𝐫𝐞𝐝𝐮𝐜𝐞𝐬 𝐚𝐛𝐚𝐧𝐝𝐨𝐧𝐦𝐞𝐧𝐭 𝐫𝐚𝐭𝐞𝐬 𝐟𝐨𝐫 Ecommpay 𝐦𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬 𝐚𝐜𝐫𝐨𝐬𝐬 𝐭𝐡𝐞 𝐔𝐊 𝐚𝐧𝐝 𝐄𝐮𝐫𝐨𝐩𝐞. Peter Stearn, Director at Wellbeing Escapes, highlighted that the feature has eliminated the need to manually collect card details, allowing clients to pay instantly from any device. He described the integration as simple and seamless, even for complex bookings. 🇳🇱 Mollie 𝐡𝐚𝐬 𝐞𝐧𝐭𝐞𝐫𝐞𝐝 𝐢𝐭𝐬 𝐧𝐞𝐱𝐭 𝐜𝐡𝐚𝐩𝐭𝐞𝐫 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐥𝐚𝐮𝐧𝐜𝐡 𝐨𝐟 𝐚 𝐮𝐧𝐢𝐟𝐢𝐞𝐝 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐛𝐚𝐧𝐤𝐢𝐧𝐠 𝐩𝐥𝐚𝐭𝐟𝐨𝐫𝐦. The new offering aims to eliminate friction in money management by providing fast, intuitive tools that deliver real-time insights, automate administrative tasks, and scale alongside business growth, replacing outdated, costly financial systems with a smarter, more efficient solution. 🇺🇸 Venmo 𝐢𝐧𝐭𝐫𝐨𝐝𝐮𝐜𝐞𝐬 '𝐕𝐞𝐧𝐦𝐨 𝐒𝐭𝐚𝐬𝐡' 𝐭𝐨 𝐫𝐞𝐢𝐧𝐯𝐞𝐧𝐭 𝐫𝐞𝐰𝐚𝐫𝐝𝐬. Venmo Stash is an innovative rewards program designed to give customers more value that grows with every interaction. Unlike many traditional rewards programs, it is always on and flexible, evolving alongside customers as they engage across Venmo's expanding suite of products and services. 🇬🇧 Bank of England 𝐥𝐚𝐮𝐧𝐜𝐡𝐞𝐬 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧 𝐨𝐧 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐢𝐧𝐠 𝐬𝐲𝐬𝐭𝐞𝐦𝐢𝐜 𝐬𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧𝐬. Such stablecoins are a new type of digital money designed to maintain a stable value and could be used for retail payments and wholesale settlement in the future. Keep reading 💰 Visa and Mastercard 𝐚𝐫𝐞 𝐧𝐞𝐚𝐫 𝐚 𝐝𝐞𝐚𝐥 𝐰𝐢𝐭𝐡 𝐦𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬 𝐭𝐡𝐚𝐭 𝐰𝐨𝐮𝐥𝐝 𝐜𝐡𝐚𝐧𝐠𝐞 𝐭𝐡𝐞 𝐫𝐞𝐰𝐚𝐫𝐝𝐬 . Visa and Mastercard are nearing a settlement with merchants that aims to end a 20-year-old legal dispute by lowering fees stores pay and giving them more power to reject certain credit cards. That's it for this week — Enjoy the weekend & don’t forget to pay 🤝 —— This newsletter is powered by Marcel van Oost, I highly recommend signing up for our daily Connecting the dots in Payments... newsletter here: https://lnkd.in/e98pYzFh ► 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ shared this𝟒-𝐏𝐚𝐫𝐭𝐲 𝐌𝐨𝐝𝐞𝐥 & 𝐊𝐞𝐲 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐅𝐞𝐞𝐬 𝐄𝐱𝐩𝐥𝐚𝐢𝐧𝐞𝐝 In light of the recent changes agreed by Visa and Mastercard — including adjustments to interchange caps, cross-border fees, and digital wallet transaction rates — let’s revisit the key fees that make up card payments ► Interchange fees are a critical part of card payments, representing the fee paid by the acquiring bank to the issuing bank for processing a transaction. They are set by card schemes (Visa, Mastercard, etc.) and vary based on factors like card type, transaction method, and region. Merchants indirectly pay interchange fees as part of their total Merchant Discount Rate (#MDR), which includes: ✔ Interchange Fees → Paid to the issuing bank ✔ Card Scheme Fees → Paid to the card networks ✔ Acquirer Fees → Paid to the acquiring bank or PSP — 𝐈𝐧𝐭𝐞𝐫𝐜𝐡𝐚𝐧𝐠𝐞 𝐅𝐞𝐞𝐬 𝐄𝐱𝐩𝐥𝐚𝐢𝐧𝐞𝐝: ► $100 transaction 1️⃣ The customer pays $100. 2️⃣ The acquirer (Checkout.com) deducts fees before settling the funds with the merchant. 1.57% + $0.23 → $1.80 goes to the Acquirer to be distributed across all parties. 3️⃣ Interchange fees (paid to the issuing bank, Chase) are deducted: 1.23% + $0.10 → $1.33 goes to the Issuer (deducted from $1,80) 4️⃣ Card scheme fees (paid to Visa, Mastercard...) are deducted: 0.15% + $0.10 → $0.25 goes to the card scheme (deducted from $1,80) 5️⃣ The merchant receives the remaining amount: $98.20. — 𝐖𝐡𝐚𝐭 𝐢𝐬 𝐭𝐡𝐞 𝟒-𝐏𝐚𝐫𝐭𝐲 𝐌𝐨𝐝𝐞𝐥 & 𝐡𝐨𝐰 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐢𝐦𝐩𝐚𝐜𝐭 𝐈𝐧𝐭𝐞𝐫𝐜𝐡𝐚𝐧𝐠𝐞 𝐅𝐞𝐞𝐬? The 4-party model is the foundation of card payments, involving the Cardholder and: 1️⃣ Merchant 2️⃣ Acquirer (Merchant’s Bank) 3️⃣ Issuer (Cardholder’s Bank) 4️⃣ Scheme (Card Network) 𝐖𝐡𝐚𝐭 𝐀𝐟𝐟𝐞𝐜𝐭𝐬 𝐈𝐧𝐭𝐞𝐫𝐜𝐡𝐚𝐧𝐠𝐞 𝐅𝐞𝐞𝐬? ► Card Network — Visa, Mastercard, American Express have different rates ► Card Type — Debit, credit, premium, commercial cards have varying fees. ► Transaction Type: Card Present or Card Not Present ► Merchant Category Code (MCC) — Different Industry Types ► Geography — Fees vary by region due to regulation (EU has capped interchange fees) — 𝐇𝐨𝐰 𝐝𝐨 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬 𝐏𝐚𝐲 𝐈𝐧𝐭𝐞𝐫𝐜𝐡𝐚𝐧𝐠𝐞 𝐅𝐞𝐞𝐬? ► 𝐈𝐧𝐭𝐞𝐫𝐜𝐡𝐚𝐧𝐠𝐞 𝐏𝐥𝐮𝐬 (IC+) → A transparent pricing structure, where merchants pay, here is an concrete example for $100: 👉 Interchange fee (Chase) → $1.33 👉 Scheme fee (Visa, Mastercard) → $0.25 👉 Acquirer fee (Checkout.com, Adyen) → $0.22 👉 Total Fees for Merchant: $1.80 👉 Merchant receives: $98.20 ► 𝐁𝐥𝐞𝐧𝐝𝐞𝐝 𝐏𝐫𝐢𝐜𝐢𝐧𝐠 → A simpler, fixed-rate model where the merchant pays one flat percentage per transaction, covering everything: ~ 2.6% + $0.15 While easier to manage, blended pricing can be more expensive than Interchange Plus, as it bundles all costs into a higher flat rate. — Source: Checkout.com ► Sign up to 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Arthur Bedel 💳 ♻️ liked thisArthur Bedel 💳 ♻️ liked thisThank you to everyone who joined us at the buzzing Tech for Retail event. Just ahead of Black Friday, it was the perfect moment to connect with our wider ecosystem and hear directly from merchants about their priorities. Conversations touched on Wero’s growing consumer adoption, our e-commerce solution rollout, and the strong interest in in-store acceptance. A special thank you to our shareholders and members for supporting Wero at the event. And of course, to the EPI Company team who shared their expertise at the stand: Laetitia DORLA Fabrice Le Gall Pauline Cieutat Coline Vignon Simon Yeates Marion Chabrier Delphine Silva Jasmine Candan 👏 #TechForRetail #Wero #Fintech #Ecommerce #Payments #RetailInnovation #EuropeanPayments
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Arthur Bedel 💳 ♻️ liked thisArthur Bedel 💳 ♻️ liked thisEvery conversation I’ve had with airline teams reinforces the same truth: when a payment fails, the impact goes far beyond a declined transaction. It affects operations, customer experience and revenue that rarely returns. That’s why we’re opening our podcast with someone who understands this complexity from inside the systems that keep the industry moving. Our first episode is coming soon. If you work in travel, engineering or payments, make sure to watch it.
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Arthur Bedel 💳 ♻️ reacted on thisArthur Bedel 💳 ♻️ reacted on thisFrance’s top voices in Finance & Web3 drive change from asset management to tokenisation. Who’s leading the charge? France has emerged as a force in digital finance. A robust regulatory framework and a culture of innovation have built a strong ecosystem across asset management, banking, payments, venture capital, digital assets, cybersecurity, and tokenisation. What sets these top voices apart? → Deep financial expertise, not just surface-level commentary → Technical curiosity, always pushing into new territory → A work ethic that delivers-not just talks-impact Their influence stretches beyond borders. For decades, French institutions have used Luxembourg as a launchpad for international expansion, while Luxembourg has drawn on France’s talent and product innovation. Today, this partnership is more important than ever: - France brings creativity, technical leadership, and regulatory progress in Web3 and digital assets. - Luxembourg offers global distribution, strong infrastructure, and clear regulatory frameworks for funds and tokenisation. Together, they create a corridor that supports the next chapter of European finance. The impact is real: → French entrepreneurship fuels experimentation → Luxembourg’s financial hub status drives cross-border scale Celebrating France’s top voices in Finance & Web3 is about more than recognition. It’s about a community building Europe’s future-one that combines ingenuity, credibility, and vision. Who do you see shaping the Franco-Luxembourg corridor for digital finance? How will you leverage the strengths of this cross-border ecosystem?
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Arthur Bedel 💳 ♻️ reacted on thisArthur Bedel 💳 ♻️ reacted on thisPayments in the airline industry operate in a uniquely complex environment. Every transaction runs through legacy systems, global distribution systems (GDS), strict regulations, multiple partners and high-volume operations, with no margin for error. That’s why we’re starting our podcast with a conversation that brings clarity to this complexity. You’ll learn how airlines navigate these systems, what truly impacts payment performance and why this matters for the future of the industry. The first episode is coming soon. We invite you to tune in. 🙌
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Arthur Bedel 💳 ♻️ liked thisArthur Bedel 💳 ♻️ liked thisI’m excited to share that I’ve joined DEUNA as Head of People & Culture! My deepest thanks to our founders Jose Maria Serrano (Chema) Roberto E. Kafati (REKS) for trusting in my experience and vision to help shape the next chapter of DEUNA I’m looking forward to driving a People strategy rooted in clarity, alignment, and long-term impact strengthening our foundations, empowering our leaders, enhancing the employee experience, and ensuring that every person at DEUNA has the tools, support, and environment to thrive. Together, we’ll build a culture that accelerates performance, inspires innovation, and carries us confidently into the next stage of growth. 🚀✨
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Arthur Bedel 💳 ♻️ reacted on thisArthur Bedel 💳 ♻️ reacted on thisMPE Magazine #112 is now live and I’m truly proud to be featured again as an MPE Ambassador. What I value most about this community is the substance. The Ambassador role isn’t symbolic, it’s about helping shape the conversations that genuinely matter to merchants, acquirers and fintech. This issue hits all the real topics, AI actually running payments (not just talking about it) BNPL, the talent shift shaping 2025, smarter e-commerce, real merchant value and a behind-the-scenes look at what makes MPE! I’m genuinely thrilled to be in this edition alongside a group of sharp, generous, wildly talented people and partners Sam Boboev, Andréa Toucinho, Angela Yore (Fin/Tech PR), Arthur Bedel 💳 ♻️ Harrison Williams Charlotte Al Usta, Daniel Kornitzer, David Birch, Faheem Bakshi, Francesco Burelli, Geoffrey Barraclough, Hagay E. Julia Streets, MBE, Laura McCracken, Neira Jones, Vassilina Lapteva Walford, Volker Schloenvoigt, Celeris, Sunil (Sonny) Jhamb, Brite Payments, Lena Hackelöer, Alla Gancz Thoughtworks, Panagiotis Kriaris, Paul Fitzgerald, PCI Proxy, The Paypers, Adrian Steiner, Kyle Kivimaki, Shopify, Sandra M. Paypr.work [ˈpeɪpəwəːk] MPE Magazine #112 is out now. https://lnkd.in/eDEeD_ey With big thanks to the team Elavon Europe/U.S. Bank Eric Horgan. Ian Butler, Federico Gaffney, Scott Frisby, Atalia Dwyer and Hemlata Narasimhan for all the support #ilovempe #mpe2026 #merchantpayments #fintech #AIinPayments #MPE2025 #MerchantPaymentsEcosystem #Fintech #PaymentsIndustry #AI #AmbassadorProud #FintechLeaders #FraudPrevention #InnovationEcosystem #DataSecurity
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Arthur Bedel 💳 ♻️ reacted on thisArthur Bedel 💳 ♻️ reacted on thisBlack Friday isn’t a shopping event anymore. it’s a global payments stress test. And every year, it rewrites the rules of eCommerce. Nuvei just shared a great breakdown of the 5 biggest shifts reshaping online payments. Here’s what stood out to me the most: 1️⃣ Peak season is now a permanent requirement. What used to be one crazy weekend has turned into a year-round pressure cycle. 👉 Amazon Prime Day: $12.7B (2023) 👉 Singles’ Day China 🇨🇳: $150B+ GMV 👉 Black Friday US 🇺🇸 online: $9.8B Volume volatility is the new normal, and if you’re not using adaptive routing, acquirer failover, and issuer optimization… you’re leaking revenue. 2️⃣ Payments intelligence is the new personalization. 80% of US shoppers compared prices before buying in 2023. Payments data is becoming real-time intent: ► Preferred methods ► Issuer approval behavior ► Cross-border patterns ► Spend timing Merchants using payments intelligence win on conversion, not discounts. 3️⃣ Black Friday became a global payments signal. Even in countries that don’t celebrate Thanksgiving. 🇧🇷 Brazil: PIX = 40%+ of eCommerce in peak weeks 🇮🇳 India: UPI = 12B+ monthly transactions 👉 LATAM, MENA, Southeast Asia: Black Friday is top-3 volume week Global scale only works when payments feel local. 4️⃣ Omnichannel must behave like one system. Customers jump: app → web → store → app. If tokenization works online but fails in-store, or a discount isn’t recognized across channels, conversion tanks instantly. Payments orchestration = consistency across identity, fraud, auth, and settlement. 5️⃣ Conversion is now a chain of micro-decisions. Cart abandonment peaked at ~70% during Black Friday 2023. The real drivers? ► Routing ► Tokens ► 3DS flows ► Fraud rules ► Latency (yes, milliseconds) Black Friday reveals the truth: conversion isn’t one moment, it’s your entire payments stack under pressure. I highly recommend reading the complete article by Laura Miller for more interesting info & stats on this topic: https://lnkd.in/dytZ_w8i And thank you Sam Boboev for the visual 👌 Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ] (It’s free, but means a lot to me 👍)
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Arthur Bedel 💳 ♻️ reacted on thisEsta semana, a pasar un rato entre auténticos fenómenos y expertos en el mundo de pagos, y de la mano de Perú Payments Association 💳 🚀 NTT DATA Europe & Latam #payloversArthur Bedel 💳 ♻️ reacted on thisLa innovación en pagos avanza más rápido de lo que creemos. Y las decisiones que se tomen hoy definirán cómo evolucionará la infraestructura digital que sostiene al comercio, la banca y las fintech en los próximos años. Nuevas arquitecturas tecnológicas, IA aplicada a pagos, servicios transfronterizos y modelos cloud están reconfigurando los cimientos del ecosistema. Y entender estas tendencias no es una ventaja: es una necesidad estratégica. Este panel reúne a quienes están definiendo las tendencias que transformarán la innovación en pagos en el Perú: 🔹 Marco Aravena – Mercado Pago 🔹 Jose Ignacio Nuñez Garcia – NTT DATA Europe & Latam 🔹 Eduardo Hernández Cansino – Huawei (MÉXICO) 🎙️ Mariana López Jaimes – Niubiz I (Moderadora). Una conversación para entender cómo la innovación seguirá remodelando los pagos digitales en Perú y la región. 📅 Jueves 20 de noviembre de 2025 📍 Country Club Lima Hotel 🕠 5:30 p.m. – 9:45 p.m. 🎉 Al cierre celebraremos con un cóctel y networking por el 1er aniversario de PPA. 👇Reserva tus entradas aquí (CAPACIDAD LIMITADA): https://lnkd.in/er2naZM6 📧 comunicaciones@perupayments.com 📲 WhatsApp: +51 912 467 062 Sé parte del debate que definirá los próximos pasos del ecosistema. Perú Payments Association #PPA #PagosDigitales2026 #OpenFinance #Innovación #Fintech #PagosDigitales
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Arthur Bedel 💳 ♻️ liked thisArthur Bedel 💳 ♻️ liked thisProspecting in the USA vs. Europe. Same job, completely different playbook. - Cold calls: → Pickup rates are higher in parts of Europe (8-12%) than in the US (5-10%), but direct pitching rarely works. - Cold emails: → Open rates are similar (~21-22%), but reply rates drop in Europe (3% vs. 5%) due to stricter regulations. - Sales cycles: → Faster in the US (~50 days avg.), while in Europe, deals take twice as long (90-120 days avg.). - Decision-making: → In the US, 1-2 people sign off on a deal. In Europe, expect 5-7 stakeholders. - Marketing culture: → US buyers are used to high-volume outbound. In Europe, trust comes first. - GDPR: → Barely a concern in the US. In Europe, it dictates how you prospect. - Scaling outreach: → The US is simple: one message, one language. → Europe requires localization across multiple markets. Outbound isn’t one-size-fits-all. If you’re using the same strategy in both markets, you’re leaving deals on the table. What’s your experience prospecting across those two regions?
Experience & Education
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Connecting the dots in payments...
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Volunteer Experience
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Professional Tennis Player
NCAA
- 2 years 1 month
Education
NCAA D1 Tennis Player with Honors:
• Academical Honors: « All-Southland Conference Academic Honors » 2015 and 2016
• Athletic Honors: - Texas A&M University Corpus Christi ranked 40 in Division 1
- « 1st Team All-Conference » in doubles (2015)
- « 2nd Team All-Conference » in singles (2015/2016) and doubles (2016) -
Student Volunteer
NCAA Student Athlete Advisory Committee
- 1 year 10 months
Social Services
• Creation and participation of charitable events
• Sensitization of the Corpus Christi community concerning the respect of the environment
• Resolution of problematic situations
• Improvement of human relations -
Student Volunteer
Junior Achievement USA
- 2 months
Education
Outside speaker in an elementary classroom of underprivileged students
• Initiation to two foreign languages and introduction to European customs
• Raising awareness concerning college and superior studies
Languages
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French
Native or bilingual proficiency
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English
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Spanish
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