Over on The PayPal Blog, Bill Clark, an analyst in the risk team at PayPal, writes about why PayPal has rolling seller reserves in place. He notes that "PayPal may require that a small percentage of some of our sellers’ payment volume be held in their account for a period of time, sort of like a security deposit to cover future chargebacks and reversals."

TransUnion.com has released the results of its analysis of trends in the credit card lending industry for the first quarter of 2009 based upon approximately 27 million anonymous, individual credit files - providing a real-life perspective on how U.S. consumers are managing their credit health.

Nationally, the bankcard delinquency rate (the ratio of bankcard borrowers 90 days or more delinquent on one or more of their bankcards) increased to 1.32 percent in the first quarter of 2009, up 9.1 percent over the previous quarter. Year over year, bankcard delinquencies increased 11 percent from 1.19 to 1.32 percent. READ MORE »

In mid-May the Federal Reserve Bank of Chicago held its annual payments conference - this year's theme was "Payments Pricing: Who Bears the Cost?". Copies of many of this year's conference presentations are now available online.

Andera has announced that it has entered into a strategic relationship with Digital Insight, an Intuit company and an outsourced provider of online banking and financial management capabilities to banks and credit unions in the United States. This agreement enables Digital Insight to provide Andera’s online account opening and funding solutions to its client financial institutions. READ MORE »

Emirates has announced it has implemented GlobalCollect’s payment processing service to offer alternative payment solutions for bookings on www.emirates.com. Starting in 37 countries across the world, customers can choose from a range of alternative payment methods hosted by GlobalCollect, including local credit and debit cards, local bank transfers, real time bank transfers, cash (Western Union Quick Pay), direct debits, and eWallets (PayPal). READ MORE »

In an article titled "Capital One Looks to Adapt to Credit Card Laws", Thomas Heath writes for the Washington Post about Capital One's plans to "reinvent itself for a new age of regulation."

• Forbes.com: Going Abroad? Here's How To Save On Credit Card Fees
• Small-Business Bankruptcy Filings Continued to Increase in March, Equifax Data Shows
• Deloitte Risk Management Survey: There's Still Work to be Done at Banks and Other Financial Institutions
• ING DIRECT Survey: Parents Now Cutting and Tapping Into Kids Savings to Pay Bills
• NYTimes.com: Apps Boom as Companies Seek a Place on Phones
• Community Trust Services Corp. Selects Banker’s Toolbox for Fraud Prevention Solutions
• NYTimes.com: Drilling Down - Banks Cut Credit Card Mailings
• Experian: Most Creditworthy Consumers Also Are Most Likely to Be Identity Theft Victims
• Norfolk Airport, ACS and MasterCard Worldwide Introduce Contactless Payments to Airport Parking