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Shane OHara

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Followed by John Sims, Martha Boyle and 5 others you follow

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AXLPay is an innovative Mobile payments specialist, providing solutions spanning HCE (Host Card Emulation), P2P payments and Cloud services.

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AXLPay Mobile Payments
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Latest comments

Monzo launches tool that allows customers to undo payments

@Ketharaman Swaminathan
The chargeback process for credit and debit cards does not solve for the  payor and not the merchant as implied. It is a two party process that aims to resolve disputes arising from a money transfer. Having sat on the issuer and acquirer side I know that all Issuers have to sumbit thousands of chargebacks which were not even requested by the Payor. Over the years. fraudulent merchant setups, bin spamming and other techniques used to empty consumers accounts. The Issuer chargesback and if the retailer is right and it goes beyond second chatgeback to arbitration, the win will be to the retailer. If the retailer is in the right, and the schemes have well established rules to adjudicate, the money reverts to the retailer. Whilst it is a painful process at times, it is a balanced process. The A2A process, on the otherhand simply has no process for addressing a bad transaction. So I am not sure what point I missed?

17 May 2025 18:12 Read comment

Monzo launches tool that allows customers to undo payments

Misses the point. 
A2A wins, imho, when the transmission entity has contractual, rules based, authority with all connected parties to unwind a payment days later. MC/Visa retain grip partially because the Chargeback system is robustly managed by them. 
I am not well versed on the mechanics of A2A but is it not possible to replicate CB functionality within the A2A flow?

14 May 2025 10:23 Read comment

Up Bank launches BNPL alternative, Maybuy

just checking my calendar to see if it is April 1st!

01 Aug 2022 17:19 Read comment

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