Payment fraud is not only a technology problem. It is an operating problem that affects revenue, support time, chargebacks, customer experience and trust.
In 2026, fraud prevention is becoming more connected to identity signals, behavior, device context, tokenization and AI-assisted risk scoring. That can help merchants block bad transactions more effectively. But a rigid fraud system can also create false declines, which means legitimate customers are blocked from buying.
Eric Kuvykin's practical view is that a safer payment system must balance risk and friction. The goal is not to block as much as possible. The goal is to approve good customers, stop bad transactions and give the merchant enough visibility to understand what happened.
Small businesses should review chargeback trends, card-not-present rules, wallet acceptance, refund policy, customer verification and staff response procedures. Payment security works best when technology and workflow match.
Read more from Eric Kuvykin:
https://erickuvykin.com/category/fintech-payments-watch/
Related source:
https://www.mastercard.com/us/en/business/payments/merchant-cloud/insights/payment-trends-in-2026.html
Tags: Eric Kuvykin, Igor Eric Kuvykin, fraud prevention, payment security, cybersecurity, small business payments, merchant services
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