At Maayan, we keep a close eye on developments in the payments industry so we can continue improving our day-to-day support for merchants. Events like Pay360 in London give us the chance to step back, compare approaches, and understand what’s changing and why.
Here are our five biggest takeaways from this year’s event, and what they mean for merchants.
1. Fraud is becoming more sophisticated and harder to detect
The discussions at Pay360 highlighted how quickly fraud tactics are advancing and how that is changing what effective detection looks like.
AI-powered tools now allow attackers to replicate transaction patterns and communication styles with a high degree of accuracy. This makes fraudulent activity harder to identify and raises the baseline for what counts as a convincing attack.
Many of these attacks are also designed to influence human behavior. Fraudsters are using AI-driven impersonation and deepfake techniques to create urgency and trust, often prompting quick decisions that bypass normal safeguards.
As a result, merchants can no longer rely on solutions that only offer static rules or surface-level checks for fraud protection. They need systems that can detect unusual behavior in real time, alongside processes that account for how people actually respond under pressure.
2. Payment providers are strengthening fraud protection for merchants
As fraud becomes more complex, real-time visibility and response are becoming essential parts of a reliable payment setup. Providers are investing in systems that combine behavioral signals, transaction context, and pattern recognition to identify risks as they emerge.
This reflects our approach to evolving Maayan’s fraud management capabilities. We’re focused on helping merchants identify and act on risk as it happens to support faster and more informed decisions.
3. AI has become standard in payment systems
AI is no longer something that’s new or experimental in payments. Increasingly, it’s fundamental to how systems operate behind the scenes.
Across the industry, AI is being used to support fraud detection, automate routine processes, and help teams make faster decisions. Many of these capabilities are already built into the systems that merchants use every day, even if they’re not always visible.
4. Better payment experiences depend on systems being clear and usable
As systems handle more complexity behind the scenes, merchants need clarity and ease of use more than ever before.
As a result, payment providers are focused on refining onboarding flows, dashboards, and everyday processes to create the best payment experiences possible for merchants and their customers.
At Maayan, we treat usability as a core element of our platform design, and our merchant onboarding is fast and friction-free. Meanwhile, our clear interfaces and streamlined workflows help merchants stay in control and manage payments more efficiently.
5. Collaboration is driving better payment solutions
One of the most noticeable things at Pay360 was how much of the progress we see in payment platforms comes from direct conversations among providers and partners.
Across the event, teams were comparing approaches, sharing what’s working in practice, and discussing how they’re tackling common challenges. These exchanges play a big role in shaping how our solutions continue to improve.
At Maayan, we work closely with partners to ensure our platform develops in line with real-world merchant needs. Events like Pay360 give us the opportunity to share what we’re seeing across our platform, and learn how others are approaching similar priorities.
What do these developments mean for merchants?
Our takeaways from Pay360 highlight how payment systems are expected to do more behind the scenes, from identifying risk earlier to supporting faster, more informed decisions.
As systems take on more of this work, managing payments can become more complex in practice. At the same time, ease of use remains critical, as teams need to manage this added complexity without increasing operational effort.
As we look ahead, a few priorities are becoming clearer for merchants:
- Clear, real-time visibility into payment activity and potential risks
- Systems that can adapt as fraud tactics become more advanced
- Simple, intuitive workflows that reduce manual effort
- Payment systems that use AI to support faster, more informed decisions
At Maayan, we design our platform around these priorities, helping businesses manage payments with greater clarity, control, and flexibility. To find out more, explore our solutions for merchants.
