CMSPI - State of the Industry Report - 2025

ENDNOTES 7

456

Respond to or contest an ACH Direct Debit dispute as a merchant | Stripe

457

ACH Fraud 101: How these scams work and how to prevent them | Stripe

458 459

How to prevent ACH payment fraud | PayPal

International ACH Transactions | Nacha

460 International ACH Transaction (IAT) Frequently Asked Questions | Federal Reserve Services 461 ACH Payment Returns | Modern Treasury 462 ACH Network Rules Pandemic-Related Frequently Asked Questions | Nacha 463 SEPA Direct Debit: An in-depth guide | Stripe 464 UPI Dispute Redressal Mechanism | NPCI 465 UPI Dispute Redressal Mechanism | NPCI 466 How ACH Payments Work | Nacha 467 ACH Costs are a Fraction of Check Costs for Businesses, AFP Survey Shows | Nacha 468 Understanding SEPA Direct Debit: a comprehensive guide | Genome 469 Bacs vs CHAPS payment: What is the difference? | Western Union 470 Cost of Digital Wallet Analysis Pricing Volume

"Stripe Adyen PayPal"

Bank Transfer

Euromonitor

471 CFPB Section 1033 Open Banking Rule Stayed as CFPB Initiates New Rulemaking | Consumer Fiinancial Services Law Monitor 472 CFPB’s Move to Rescing Rule 1033 Creates Uncertainty in Open Banking | PYMNTS 473 Motion to Stay Proceedings | United States District Court - Lexington Division 474 The revised Payment Services Directive (PSD2) and the transition to stronger payments security | Europe-an Central Bank 475 Payment Services Directive 3 (PSD3), Payment Services Regulation (PSR) | Cyber Risk GmbH 476 The continued migration of payments from BECS to the NPP | Australian Payments Plus 477 The revised Payment Services Directive (PSD2) and the transition to stronger payments security | Europe-an Central Bank 478 Motion to Stay Proceedings | United States District Court - Lexington Division

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