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

Executive summary The competitive battle in payments has moved from the checkout to the money itself. Canada’s six largest banks (RBC,TD,BMO,Scotiabank,CIBC and National Bank) have announced a joint project to build shared Canadian-dollar tokenised deposit infrastructure. The initial phase will focus on transfers between participating banks rather than consumer wallets. There is no launch date yet,but the project may later include other deposit-taking institutions. For merch

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

Australia’s card surcharge ban will begin on 1 October 2026, removing surcharges on designated eftpos, Mastercard and Visa debit, prepaid and credit card transactions. The reform has been welcomed as a cost-of-living measure. Treasurer Jim Chalmers has said removing surcharges will give Australians greater certainty at the checkout. But whether it will reduce inflation is a more complicated question. The Reserve Bank of Australia (RBA) estimates that removing surcharges could