News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured Nacha Issues Rules Supplement #2-2024 10/9/2024 The Supplement includes 2025 ACH Network Administration Fees. Read more Tags: ACH, Risk Management, Fraud, Nacha, ACH Rules, ACH Rules Supplement
News Fraud & Disputes Win Up To $6,500 For Your Best Video! 10/8/2024 Educate the public on financial scams with a video in 60 seconds or less. Read more Tags: Fraud, Center for Payments, Scams, Payments Innovation Alliance, Contests
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured First ePayU Payments Degrees Are Earned 10/8/2024 Hear what one degree recipient has to say about this new program! Read more Tags: ePayU, professional development, Payments Degree
News Payments University Prizes Awarded 10/8/2024 Congratulations to our Payments University prize winners! Read more Tags: prize, Payments Unviersity
News Rules & Regulations Audit & Compliance ISO 20022 Countdown Is On! 10/8/2024 Testing is the key to being prepared! Read more Tags: Wire Transfer, ISO 20022
News Rules & Regulations Operations Alert: Hurricane Milton and Excused Delay 10/7/2024 Sending our best wishes for the safety of all in the storm's path. Read more Tags: OCC, Operation bulletin, operations alert, hurricane
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance How to Help Victims of Hurricane Helene 10/2/2024 These organizations are supporting recovery efforts. Read more Tags: Disaster Recovery, hurricane
News Addressing Authorized Push Payment Scams 10/1/2024 Authorized push payment (APP) fraud is a growing concern. Read more Tags: Faster Payments, Instant Payments, Fraud, Cybersecurity, Federal Reserve, Identity Theft, Authorized Push Payments
News Rules & Regulations Fraud & Disputes Audit & Compliance New Nacha Rules Effective October 1, 2024 10/1/2024 New Nacha rules are aimed at helping financial institutions improve funds recovery. Read more Tags: Nacha Rules, Fraud Mitigation
News Mobile App Featured Let's Celebrate Our Team! 10/1/2024 Celebrating a new professional designation and enhanced fraud knowledge! Read more Tags: teammates, anniversary, celebrations
News Rules & Regulations Operations Alert: Hurricane Helene and Excused Delay 9/26/2024 ePayResources wants to remind our members of the proper application of the Excused Delay provision of the Nacha Operating Rules. Read more Tags: OCC, Operation bulletin, operations alert, hurricane
News Payments Strategy Mobile App Featured Podcast: Payments at the Speed of TikTok 9/24/2024 International Podcast Day is September 30. Read more Tags: FedNow, Faster Payments, Instant Payments, Payments Strategy, podcast, RTP®, The Payments Space
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured Save Big with the Early Bird Sale! 9/23/2024 Don't miss our biggest discount on the 2025 ACH Rules! Read more Tags: ACH Rules, publications, sale, Origination Handbooks
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Are You Using FedPayments Reporter Service? 9/23/2024 Automatically search ACH files for valuable information. Read more Tags: FedACH
News Payments Strategy Considerations for Receiving Instant Payments 9/23/2024 The Faster Payments Council has published a new resource. Read more Tags: FedNow, Faster Payments Council, Instant Payments, RTP®
News Payments Strategy Fraud & Disputes Mobile App Featured Center for Payments Fraud Study Results Released 9/18/2024 The study results offer a detailed analysis of trends and insights. Read more Tags: Fraud, Surveys, Center for Payments, Fraud Mitigation
News Payments Strategy Mobile App Featured Podcast: Getting Comfortable With Instant Payments 9/18/2024 Listen to our latest podcast episode! Read more Tags: FedNow, Faster Payments, Instant Payments, Payments Strategy, podcast, RTP®, The Payments Space
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured Welcome, Joel Hill! 9/13/2024 Meet the newest member of the ePayResources team! Read more Tags: teammates
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Nominations Open for Payments Awards 9/13/2024 ePayResources’s Richard R. Oliver Leadership in Payments Award is presented annually at our ePayConnect conference. Read more Tags: awards, ePayConnect, Leadership in Payments Award, Innovation in Payments Award
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Risk Management Portal Gets a New Tool 9/11/2024 Helps RDFIs comply with new fraud-fighting rules. Read more Tags: Fraud, ACH Rules, Risk Management Portal
News Rules & Regulations Audit & Compliance ISO 20022 Countdown Is On! 9/11/2024 Testing is the key to being prepared! Read more Tags: Wire Transfer, ISO 20022
News Mobile App Featured Let's Celebrate Our Team! 9/11/2024 Celebrating September work anniversaries! Read more Tags: teammates, anniversary, celebrations
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured ePayResources and Havoc Shield Announce Partnership 9/4/2024 We’re delighted to welcome Havoc Shield into our Vendor Partner Program. Read more Tags: Cybersecurity, partner, ePayAdvisors, Vendor Partner Program
News Payments Strategy Mobile App Featured Podcast: What Are You Waiting For, Part II 9/3/2024 Listen to our latest podcast episode! Read more Tags: FedNow, Faster Payments, Payments Strategy, podcast, RTP®, The Payments Space
News Mobile App Featured Let's Celebrate Our Team! 9/3/2024 Celebrating our newest APRPs! Read more Tags: APRP, teammates, celebrations
News Our 50th Anniversary Social Media Contest Winners! 8/27/2024 Thank you for celebrating with us! Read more Tags: anniversary, Contests, Social Media
News Fraud & Disputes Lawmakers Introduce Protecting Consumers from Payment... 8/27/2024 Legislation would update EFTA. Read more Tags: Fraud, Reg E, Scams, laws, EFTA
News Fraud & Disputes Industry Work Group Recommends Scam Info Sharing 8/27/2024 Framework for an information exchange is recommended. Read more Tags: Fraud & Incident Management, Fraud, Scams, Federal Reserve
News Payments Strategy Mobile App Featured Podcast: Storytelling in Your Payments Strategy 8/27/2024 Listen to our latest podcast episode! Read more Tags: FedNow, Faster Payments, Payments Strategy, podcast, RTP®, The Payments Space
News Payments Strategy Mobile App Featured Podcast: From Mag Tapes to FedNow® 8/21/2024 Listen to our latest podcast episode! Read more Tags: FedNow, Faster Payments, podcast, Federal Reserve Financial Services, The Payments Space
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured What Communications Do You Want? 8/20/2024 We want to personalize your member experience! Read more Tags: Member Benefits, communications
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured Call For Presentations: ePayConnect 2025 8/20/2024 Submit a session proposal for ePayConnect 2025! Read more Tags: Call for Presentations, ePayConnect, Presentations
News Payments Strategy An Inside Look at the Faster Payments Council 8/14/2024 Listen to our latest episode! Read more Tags: Faster Payments, Faster Payments Council, podcast, The Payments Space
News Fraud & Disputes Focus on Risk Management Sharpens 8/13/2024 ACH Rule changes taking effect October 1. Read more Tags: Nacha, ACH Rules, Risk Management Portal, risk managment
News Payments Strategy FPC Adds More Faster Payments Resources 8/13/2024 Tokenized deposits could drive faster payments adoption. Read more Tags: Faster Payments, Faster Payments Council, Instant Payments, B2B, Business Payments, tokenized deposits
News Mobile App Featured Let's Celebrate Our Team! 8/13/2024 Celebrating August anniversaries! Read more Tags: teammates, anniversary, celebrations
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Welcome, Aparna Kulkarni! 8/6/2024 Meet the newest member of the ePayAdvisors team! Read more Tags: ePayAdvisors
News Payments Strategy FedNow Town Hall on August 14 8/6/2024 Read more Tags: FedNow, Instant Payments, Federal Reserve, town hall
News Fraud & Disputes Business Email Compromise Response Plan Available 8/6/2024 Business Email Compromise scams are a rapidly growing threat. Read more Tags: Fraud, Payments Innovation Alliance, PIA, Business email compromise
News Rules & Regulations Audit & Compliance Have You Tested Your ISO 20022 Readiness? 8/6/2024 Testing is the key to being prepared! Read more Tags: Wire Transfer, ISO 20022
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured The Payments Space™ Podcast is One Year Old! 7/31/2024 Our 14th episode just dropped! Read more Tags: Instant Payments, podcast, The Payments Space
News Rules & Regulations Fraud & Disputes Audit & Compliance Mobile App Featured NCP Recognition Day is August 5 7/30/2024 Celebrating our member and staff NCPs! Read more Tags: NCP, National Check Professional
News Payments Strategy Getting Wired Up For Instant Payments 7/24/2024 How are we going to enable customers? Read more Tags: RTP, FedNow, Faster Payments Council, Instant Payments, podcast, API, The Payments Space
News Rules & Regulations Fraud & Disputes Mobile App Featured Nacha Encourages Voluntary Formatting Standard 7/23/2024 The Individual Name field standard was proposed in 2023. Read more Tags: Nacha Rules
News Rules & Regulations Fraud & Disputes Audit & Compliance New Blog Series: Secure Transactions 7/23/2024 Proper authoriztion is key to maintaining security. Read more Tags: ACH, Security, blog, authorizations, CCD
News Payments Strategy Mobile App Featured Q&A With the Fed's Chief Payments Executive 7/17/2024 Reflections on payments as FedNowMark Gould, chief payments executive of Federal Reserve Financial Services, reflects on the state of the U.S. payment... Read more Tags: FedNow, Federal Reserve, Mark Gould
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured Your Feedback Could Win! 7/16/2024 Don't miss a chance to win a gift card! Read more Tags: Evaluation Prize Drawing
News Mobile App Featured Let's Celebrate Our Team! 7/16/2024 Celebrating promotions and an anniversary! Read more Tags: teammates, anniversary, celebrations
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance ePayResources Marks 50th Anniversary 7/9/2024 We've reached our official milestone date! Read more Tags: anniversary, ePayResources, 50th anniversary
News U.S. Marshal to Speak at San Antonio Fraud Reduction Meeting 7/3/2024 Susan Lewellyn Pamerleau, the 33rd United States Marshal for the Western District of Texas, will be the featured speaker at the San Antonio Fraud Reduction... Read more Tags: government, Fraud Mitigation, Fraud Reduction Meeting
News Awards Payments University Scholarship Winners Announced 7/3/2024 Congratulations to the following recipients of the 2024 scholarships to ePayResources' Payments University! Read more Tags: scholarship, scholarships, payments university
News Rules & Regulations Nacha Adjusts Rule Effective Dates 7/3/2024 Nacha has adjusted the effective date of some upcoming rules. Read more Tags: Nacha Rules
News Mobile App Featured Let's Celebrate our Team! 6/25/2024 Celebrating our June work anniversary! Read more Tags: teammates, anniversary, celebrations
News Payments Strategy Consumer Payment Choices Revealed 6/25/2024 Findings indicate rising debit and credit card use. Read more Tags: Payments, Federal Reserve, Diary of Consumer Payment Choice
News Fraud & Disputes Fraud That Keeps Us Up at Night 6/25/2024 Straight talk from our Leadership in Payments Award recipient! Read more Tags: Fraud, podcast, B2B, The Payments Space, Authorized Push Payments
News Rules & Regulations Payments Strategy Mobile App Featured Instant Payments: What Are You Waiting For? 6/18/2024 Join us for some Coffey Talk! Read more Tags: RTP, FedNow, Instant Payments, podcast, ePayAdvisors, The Payments Space, Corporate America Credit Union
News Fraud & Disputes Mobile App Featured WOW! What a Great Meeting! 6/18/2024 You do not want to miss our FREE Fraud Reduction Meetings! Read more Tags: Fraud & Incident Management, Fraud, fraud meeting, Fraud Forum, Fraud Reduction Meeting
News Fraud & Disputes Mobile App Featured Stomp Out Scams With the ScamClassifier Model 6/18/2024 The Federal Reserve has developed a new tool. Read more Tags: Fraud, Scams, Federal Reserve
News Fraud & Disputes PIA Updates Elder Abuse Resources 6/16/2024 The release coincided with World Elder Abuse Awareness Day on June 15. Read more Tags: Elder Abuse, Financial exploitation, Payments Innovation Alliance, Elder Financial Exploitation, PIA
News Rules & Regulations Payments Strategy Podcast: Deep in Payments with Elizabeth McQuerry 6/11/2024 Our latest episode release from Payments 2024! Read more Tags: podcast, ISO 20022, cross-border, The Payments Space, The Payments Jedi, cross-border payments
News Rules & Regulations Fraud & Disputes Audit & Compliance New Blog Series: Secure Transactions 6/11/2024 Proper authoriztion is key to maintaining security. Read more Tags: ACH, Security, blog, authorizations
News Fraud & Disputes PIA Releases Security Incident Response Guide 6/11/2024 This free tool provides actions to take when a company suspect sa breach has occurred. Read more Tags: Cybersecurity, Security, Data Security, Payments Innovation Alliance, data breach
News Awards Mobile App Featured TPI Scholarship Winner Announced 6/5/2024 And last chance to apply for Payments University scholarships! Read more Tags: scholarship, scholarships, payments university, The Payments Institute
News Payments Strategy Mobile App Featured Looking Back - and Forward - With Norman Robinson 6/5/2024 From growing payments to growing plants! Read more Tags: Instant Payments, podcast, The Payments Space, Norman Robinson
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured Thinking Through A2A Transfer Liability 6/5/2024 Latest blog post from Barbara Hudgins, Director, Payments Education. Read more Tags: Risk Management, SEC Codes, Fraud Mitigation, authorization, A2A
News Rules & Regulations Audit & Compliance Mobile App Featured Are Your Payments Operations Ready for Hurricane Season? 6/5/2024 NOAA predicts above-average hurricane activity. Are you prepared to maintain business continuity? Read more Tags: Excused Delay, Disaster Recovery, Business, Continuity
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Don't Make These Mistakes! 5/29/2024 Latest blog post from Crissy Terry, VP, Payments Consulting. Read more Tags: Compliance, Consulting, Wire Transfer, Third-Party Sender, ePayAdvisors, Third-Party Service Provider, risk managment
News Payments Strategy The Payments Jedi in The Payments Space 5/29/2024 FedNow® and RTP ® leadership insight in our latest episodes! Read more Tags: RTP, FedNow, Instant Payments, podcast, Federal Reserve, The Clearing House, The Payments Space
News Payments Strategy FedNow Use Cases Solve Pain Points 5/29/2024 Wondering what your customers think of instant payments? Read more Tags: FedNow, Instant Payments, Federal Reserve Financial Services
News Mobile App Featured Let's Celebrate our Team! 5/29/2024 Celebrating May work anniversaries! Read more Tags: teammates, anniversary, celebrations
News Payments Strategy Is Gen Z Embracing Cash? 5/22/2024 Recent trends show cash is a preferred method of payment for millennials and Gen Z. Read more Tags: ATMIA, Vendor Partner, Gen Z, Millennials, cash, currency
News Payments Strategy Over 1 Billion Same Day ACH Payments Expected in 2024 5/22/2024 Read more Tags: ACH, Same Day ACH
News Payments Strategy Fed Survey Reports Increased Adoption of Faster Payments 5/15/2024 Businesses increased their use of digital wallets by 31% over the prior year. Read more Tags: FedNow, Faster Payments, Instant Payments, payments university, Federal Reserve
News Payments Strategy Two New Resources for Faster Payments 5/15/2024 FPC published two new faster payments resources. Read more Tags: Faster Payments, Faster Payments Council, FPC, Instant Payments
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Mobile App Featured 50 Days Until Our 50th Anniversary! 5/8/2024 We are counting down to the big 5-0! Read more Tags: anniversary, Member Spotlight, celebrations, Member Benefits
News Rules & Regulations Mobile App Featured Fed Requests Comment on Expansion of Operating Days 5/8/2024 The Fed Board has issued a Request for Comment. Read more Tags: Federal Reserve, Request for Comment
News Rules & Regulations Audit & Compliance Start Now to Prepare Your Systems for ISO 20022 5/1/2024 The countdown is on for the migration of the Fedwire Funds Service to the ISO 20022 message format on March 10, 2025! Read more Tags: Wire Transfer, FedWire, ISO 20022, wires
News Audit & Compliance Managing the Complexities of Third-Party Sender Risk 5/1/2024 One of the trickier aspects of being an ODFI is recognizing and understanding Third-Party Senders. Read more Tags: ACH, Consulting, Originators, Origination, Audit, Risk Assessment, Third-Party Sender, ePayAdvisors, Third-Party Service Provider
News Rules & Regulations Mobile App Featured New NCP Re-Test Option Offered 4/24/2024 2024 NCP candidates have a new re-test option. Read more Tags: NCP, Certification, professional development, National Check Professional, ECCHO
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Your Feedback Could Win! 4/24/2024 Don't miss a chance to win a $25 gift card of your choice! Read more Tags: Evaluation Prize Drawing
News Fraud & Disputes Mobile App Featured Recognizing and Preventing P2P Fraud 4/24/2024 Peer-to-Peer (P2P) apps like Venmo, Cash App, and Zelle can be attractive tools for scammers. Read more Tags: Fraud & Incident Management, Fraud, Fraud Mitigation, p2p, Fraud Forum
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Thank You to Our Returning Vendor Partners 4/24/2024 ePayResources forms strategic alliances with solution providers to empower its members. Read more Tags: ePayAdvisors, Vendor Partner Program
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Nacha Issues Rules Supplement #1-2024 4/17/2024 The Supplement contains risk management and minor rule topic rule changes. Read more Tags: ACH, Risk Management, Fraud, Nacha, ACH Rules, ACH Rules Supplement
News Fraud & Disputes Counterfeit Passport Cards Used for Fraud at Financial... 4/17/2024 FinCEN has issued a notice about an identity theft fraud scheme. Read more Tags: Fraud, BSA, fincen, Identity Theft, Bank Secrecy Act, counterfeit
News Payments Strategy ePayResources and Treasury Software Announce Partnership 4/10/2024 We’re delighted to welcome Treasury Software into our Vendor Partner Program. Read more Tags: partner, ePayAdvisors, Vendor Partner Program
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance What's the Buzz from ePayConnect? 4/10/2024 Did you miss these takeaways from ePayConnect 2024? Read more Tags: ACH, RTP, FedNow, Same Day ACH, Instant Payments, Check, Wire, Fraud, ISO 20022, Innovation, ePayConnect, AI, payments channels, universal payments
News Let's Celebrate our Team! 4/10/2024 Celebrating April work anniversaries! Read more Tags: teammates, anniversary, celebrations
News Rules & Regulations Fraud & Disputes Audit & Compliance FTC Impersonation Rule Goes into Effect 4/3/2024 The FTC’s new rule on government and business impersonation went into effect April 1. Read more Tags: Fraud, FTC, Federal Trade Commission
News Payments Strategy ePayResources Supports Financial Literacy 4/3/2024 April is Financial Literacy Month. Read more Tags: Fraud, Financial Literacy, FTC, ePayConnect, Federal Trade Commission
News Fraud & Disputes Scam Alert: Student Loan Cancellation Help 3/27/2024 Don't pay a scammer for student loan help. Read more Tags: Fraud, Scams, CFPB, Fraud Mitigation, student loans
News Rules & Regulations Payments Strategy Fraud & Disputes Audit & Compliance Awards ePayResources Presents Awards 3/27/2024 Three award winners honored at ePayConnect 2024. Read more Tags: awards, ePayConnect, Leadership in Payments Award, Innovation in Payments Award, Lifetime Achievement Award
News Rules & Regulations Fraud & Disputes Audit & Compliance New Fraud Reduction Rules Approved 3/20/2024 Nacha members have approved a set of rules intended to reduce the incidence of fraud. Read more Tags: Fraud, ACH Rules Book, Nacha Rules, Fraud Mitigation, credit push
News Mobile App Featured Let's Celebrate our Team! 3/20/2024 Celebrating March work anniversaries! Read more Tags: teammates, anniversary, celebrations
News Rules & Regulations Audit & Compliance System of Fines Case Studies Updated 3/20/2024 Nacha has recently updated their System of Fines case studies and FAQs. Read more Tags: Compliance, Nacha, ACH Rules, ACH Rules Violation, System of Fines
News Fraud & Disputes Talk About Scams During National Consumer Protection Week 3/6/2024 Let's talk about scams! Read more Tags: Fraud, Scams, FTC, Federal Trade Commission, Fraud Forum, Fraud Reduction Meeting, National Consumer Protection Week
News Fraud & Disputes Mobile App Featured Don't Become a Money Mule! 3/6/2024 Payments Innovation Alliance issues new infographic. Read more Tags: Fraud, Scams, Payments Innovation Alliance, money mule
News Fraud & Disputes Mobile App Featured Learn How to Recognize and Prevent P2P Fraud 2/28/2024 Got 10 minutes to learn how P2P fraudsters work? Read more Tags: Zelle, Fraud, p2p, Venmo, Identity Theft, Fraud Forum, social engineering
News Mobile App Featured Let's Celebrate our Team! 2/28/2024 Celebrating Katy Todora! Read more Tags: teammates, anniversary, celebrations
News Happy Retirement to Tim Quisenberry! 2/21/2024 Tim Quisenberry is retiring! Read more Tags: teammates, retirement, Tim Quisenberry
News Payments Strategy Mobile App Featured The Payments Jedi Talks Universal Payments 2/14/2024 How is payments innovation like home renovation? Read more Tags: Faster Payments, Instant Payments, Payments Strategy, podcast, ePayConnect, universal payments, Peter Davey, Payments Jedi
News Fraud & Disputes Mobile App Featured FPC Publishes Fraud Trends and Mitigation Bulletin 2/14/2024 New industry resource aims to foster safe faster payments experiences. Read more Tags: Faster Payments, Faster Payments Council, Fraud, Fraud Mitigation
News Payments Strategy Mobile App Featured Top Questions About FedNow Service Features and... 2/7/2024 The FedNow® Service provides opportunities for you to improve customer experience. Read more Tags: FedNow, Instant Payments, ePayConnect, ePayAdvisors
News Celebrating 50 Years: Recognizing Member Milestones 1/31/2024 As part of our 50th anniversary celebration we are recognizing Member Milestones! Read more Tags: ACH, RTP, FedNow, Wire, Card, members, anniversary, Member Spotlight, checks, payments channels, emerging payments solutions
News Payments Strategy What's the Business Value of Instant Payments? 1/31/2024 The majority of U.S. businesses sent or received a faster payment in 2022. Read more Tags: FedNow, Instant Payments, ePayAdvisors
News Rules & Regulations Nacha Member Discount Update 1/17/2024 Important update about Nacha's online store. Read more Tags: Nacha, discount, Member Benefits
News Payments Strategy Cross-Border Payments in a Faster Payments World 1/17/2024 The Faster Payments Council released a new research report. Read more Tags: Compliance, Faster Payments, Faster Payments Council, Security, cross-border, correspondent banking
News Rules & Regulations Fraud & Disputes Audit & Compliance The REAL Truth about the NCP Exam! 1/10/2024 Get the REAL truth about preparing for and taking the NCP exam! Read more Tags: NCP, podcast, checks, The Payments Space, National Check Professional
News Fraud & Disputes How Fraudsters Take Advantage of Online Authentication 1/10/2024 Fraudsters sometimes can bypass or exploit authentication gaps by leveraging compromised information. Read more Tags: Fraud, FedPayments Improvement, authentication