The Green Sheet Online Edition
May 11, 2026 • 26:05:01
Letter from the editor
Artificial intelligence is reshaping the payments industry at breathtaking speed, and not always in ways consumers or businesses can easily see. Fraudsters are using AI to generate convincing deepfakes, create synthetic identities and scale attacks faster than traditional controls can manage.
At the same time, financial institutions, merchant technology providers and payment processors are deploying increasingly sophisticated AI-driven defenses designed to identify anomalies, predict fraud and respond in real time.
This issue of The Green Sheet explores the escalating AI arms race unfolding across payments. As faster payments, embedded commerce and digital interactions expand, the industry faces a growing challenge: how to harness AI's power without allowing bad actors to weaponize it first.
The stakes are enormous, not only for financial institutions and merchants, but also for the trust that underpins the payments ecosystem.
Featured industry experts examine how AI is transforming everything from fraud prevention and alternative finance underwriting to payment optimization and merchant retention.
Articles dive into invisible checkout, tokenization and the infrastructure supporting seamless digital commerce; discuss why payouts have become one of the toughest operational challenges in online gaming payments; and unpack the distinctions between Merchant of Record and payment facilitator models, highlighting the legal, operational and financial risks businesses often overlook.
Together, our contributors explore an industry moving toward integrated, intelligent payment ecosystems that demand strong orchestration, deep expertise and close attention to customer experience, risk management and operational resilience.
Our news briefs highlight multiple developments affecting payments, from escalating fraud threats and interchange litigation to fintech regulation and payment network access. They cover a new antitrust lawsuit against Visa and Mastercard, the OCC's move to preempt Illinois' interchange fee law, and proposed federal legislation that would give nonbank payments providers direct access to Fed payment rails.
They also examine rising payments fraud, including continued check fraud dominance despite digital payment growth, and New York appellate court ruling involving dLocal's IPO disclosures.
These briefs reflect an industry grappling with regulatory change, legal scrutiny, fraud evolution and the modernization of payments infrastructure. Don't miss updates on milestones, profiles and other features.
Plus, have you noticed we've begun spotlighting Resource Guide participants and new product stories on LinkedIn? Check us out and say hello at www.linkedin.com/company/155549.
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