In an ever-changing landscape, keep ahead of the curve with insights and industry news from Optimized Payments.
Everyone’s Tokenmaxxing Until the Invoice Arrives.Your Payments Data Is Why. How governed payments data eliminates the hidden tax on every AI query, and why enterprise AI teams should care about their data foundation before their model selection. Insights provided by...
Insights provided by Evan Andersen There’s been a major development in the long-running interchange litigation — and this time, the proposed settlement includes several meaningful wins for merchants. On November 10, 2025, Visa announced a revised settlement (after the...
Quick Answer: Following Capital One's acquisition of Discover, Capital One debit cards are migrating from Mastercard to Discover's network. For merchants, this means debit transactions on Capital One cards that previously routed through regulated Mastercard rates will...
Insights provided by Scott Stone, Chief Strategy Officer Visa’s new Acquirer Monitoring Program (VAMP) officially went live on April 1, 2025. After six months of advisory monitoring, formal enforcement begins October 1, 2025. With thresholds finalized, new...
Google has just announced the Agent Payments Protocol (AP2), a standard designed to make commerce safe in a world where AI agents will increasingly transact on behalf of consumers. With backing from more than 60 partners including Mastercard, PayPal, American Express,...
Written by: Evan Anderson, Payment Consultant The U.S. payments landscape just shifted in a big way. On May 18, 2025, Capital One completed its acquisition of Discover, instantly creating a combined issuer–network with the scale to reshape card payments. Now, only a...