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The 2026 MRC Payments Report Shows Growth - But It Also Shows a Governance Gap

  • 4 hours ago
  • 1 min read

The 2026 Global eCommerce Payments and Fraud Report by the MRC | Merchant Risk Council is out!


The Report reveals a massive paradox: we are adopting 2026 technology with a 2010 mindset. While the data shows explosive growth in real-time payments and agentic AI, it also exposes a "Governance Gap" that most organizations are simply ignoring. Why 43% of merchants are racing toward new tech while their internal structures remain fragmented and reactive?


The traditional approach of letting Finance or Ops "just handle Payments" is leading to fee leakage, regulatory exposure, and a rise in first-party misuse that now impacts 64% of merchants.


There is a critical need for a Chief Payment Officer (CPayO) to bridge the gap between complex fund flows and business strategy, moving payments from a back-office task to a frontline competitive advantage.


 
 
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