PaymentsEd

APMs in Disguise: What New-Generation BINs Mean for Merchant Performance

Tuesday, July 28, 2026 at 12:00 PM - 12:45 PM
Grand Ballroom E
Concurrent Session

Session Description

A new generation of BINs is reshaping payment costs and performance: often without merchants knowing. Join CMSPI and [Merchant] to see how BNPL, neo-bank and agentic platforms blend into standard traffic. We'll unpack the hidden impact on authorization rates, fraud, and fees, and reveal the data needed to regain control in this data-heavy session.

Speaker

Luke Derusha

Manager, Approvals Optimization, CMSPI