Meta title: Payments Foundation Models: The Race for the Decision Layer | Quantum Payments Meta description: Stripe, Ant International and Razorpay are replacing task-specific models with payments foundation models. What merchants must ask before they buy one - measurement, training data, portability and concentration risk. Suggested slug:payments-foundation-model-race-decision-layer Suggested URL:https://www.quantumpayments.io/post/payments-foundation-model-race-decision-lay

Meta title: Authentication and Payment Success Rate: The Frictionless Paradox | Quantum Payments Meta description: 3DS success rates are rising but frictionless checkouts are falling in 28 of 37 countries. Learn how authentication routing, exemption strategy and richer issuer data lift payment success rate. Suggested slug:frictionless-paradox-authentication-payment-success-rate Suggested URL:https://www.quantumpayments.io/post/frictionless-paradox-authentication-payment-succe

Executive summary Australia is not debating whether AI agents can buy products. That capability is already entering live payment trials. The question now being written into policy is more consequential: who pays when an agent makes the wrong purchase,uses the wrong payment rail or acts outside the customer’s intent? The Reserve Bank of Australia’s 2026 Review of Payments System Regulation has exposed a clear divide. Commonwealth Bank,Westpac and Macquarie want the RBA to eng

SEO metadata Meta title: AI Agent Payments Are Ready. Are Merchants? | Quantum Payments Meta description: AWS, Mastercard, Alchemy and Ant International are advancing agentic payments. The next challenge is merchant governance, liability, protocols and operational readiness. Suggested slug:payment-stack-ready-for-ai-agents-merchants-arent Suggested URL:https://www.quantumpayments.io/post/payment-stack-ready-for-ai-agents-merchants-arent Executive summary The latest developm

On 10 September 2026, Visa, Mastercard and Ant International announced a collaboration that could become the most important infrastructure agreement in agentic payments so far: a shared Know-Your-Agent (KYA) interoperability framework. The announcement was made through BuildFin.ai, an industry platform convened by the Monetary Authority of Singapore. Its purpose is straightforward: allow an AI agent verified within one payment ecosystem to be recognised by others without repe

India’s NPCI is preparing to let trusted AI agents make small UPI payments without transaction-by-transaction approval. For merchants, this is less a new checkout button than a new operating model for consent, risk and payment performance. Published 2 September 2026 | Quantum Payments India’s Unified Payments Interface is preparing for its next major transition: from a payment rail used by people to a payment rail increasingly operated by software. According to a Reuters excl