retail payments – ShopAppy

Account-to-account payments: will pay-by-bank reach retail

May 29, 2026May 18, 2026 by Priya Sharma

Pay-by-bank promises lower fees and instant settlement, but refunds, disputes, and consumer habit still gate retail adoption. Here is the concrete 2026 read on account-to-account payments alongside cards, wallets, and the crypto digital wallets conversation.

BNPL chargebacks and disputes: what merchants are liable for

May 29, 2026May 17, 2026 by Priya Sharma

Buy Now Pay Later shifts the credit risk to the provider, but the dispute risk often lands back on the merchant. Here is who pays, when, and the evidence that actually wins a BNPL chargeback in 2026.

Stablecoin payments for retail: where they make sense in 2026

May 29, 2026May 10, 2026 by Priya Sharma

Stablecoin payments stopped being a crypto curiosity and became a settlement tool. Here is the concrete 2026 math on where they beat cards for retail, and where they do not.