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06/23/2026
Payment Processors Can’t Win on Uptime Alone Anymore
PYMNTS
For years, payment processors competed on uptime, scale and cost.
Artificial intelligence (AI) is changing those dynamics, pushing providers to demonstrate that they can help financial institutions make better decisions at the speed of commerce while preserving customer trust.
In a conversation with PYMNTS, Matthew Pearce, vice president of fraud risk management & dispute operations at i2c, described an industry where processing transactions is becoming only one piece of the value proposition. Institutions increasingly expect partners that can interpret data, reduce fraud, improve approval rates and support growth without introducing unnecessary friction.
The shift begins with changing client demands. Conversations that once centered on reliability and operating costs now focus on execution speed and adaptability, Pearce said.
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