{"id":525515,"date":"2026-03-16T12:38:57","date_gmt":"2026-03-16T16:38:57","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=525515"},"modified":"2026-03-16T12:39:41","modified_gmt":"2026-03-16T16:39:41","slug":"upi-tightens-grip-on-global-instant-payments-market","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/","title":{"rendered":"UPI Tightens Grip on Global Instant Payments Market"},"content":{"rendered":"\n<p>India\u2019s Unified Payments Interface (UPI) has grown into the dominant force in global instant payments, accounting for more than four out of every five real-time transactions worldwide. The system\u2019s rapid rise has been fueled by strong government support, widespread consumer adoption, and acceptance across a rapidly expanding network of merchants.<\/p>\n\n\n\n<p>According to MSN, India\u2019s finance minister, Nirmala Sitharaman, said the <a href=\"https:\/\/www.msn.com\/en-in\/money\/topstories\/upi-dominated-retail-digital-payments-with-81-share-in-fy25-govt\/ar-AA1YJ07q?ocid=finance-verthp-feeds\" target=\"_blank\" rel=\"noreferrer noopener\">network accounted for 81% of global real-time payments<\/a> last year, cementing UPI\u2019s position as the largest instant payments system in the world.<\/p>\n\n\n\n<p>The total volume of retail transactions on UPI has skyrocketed, rising from \u20b97,176.9 crore (around $77 million) in FY22 to \u20b922,167.9 crore (roughly $2.39 billion) in FY25. Even as UPI approaches saturation in India\u2019s immense payments market, the network has still found room to grow\u2014transaction volume on the system increased by more than 35% last year.<\/p>\n\n\n\n<p>The growth was fueled by several factors, including the prevalence of smartphones, broader financial inclusion, and improved transaction safeguards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-biometric-guardrails\">Biometric Guardrails<\/h2>\n\n\n\n<p>Among the most notable of these safeguards is biometrics authentication, which was <a href=\"https:\/\/www.paymentsjournal.com\/upi-is-set-to-add-biometric-authentication-for-real-time-payments\/\">launched on UPI<\/a> last year. Previously, consumers were required to enter a PIN to authorize transactions. However, India\u2019s regulators added biometric functionality to reduce checkout friction while strengthening transaction security.<\/p>\n\n\n\n<p>This made biometric authentication available to users who opt in, with their data managed through Aadhaar, a digital identity program operated by India\u2019s government. Aadhaar issues citizens a 12-digit number after they provide verifiable biometric and personal data.<\/p>\n\n\n\n<p>Like UPI, Aadhaar is also the largest system of its kind in the world and has <a href=\"https:\/\/www.techpolicy.press\/the-aadhaar-paradox-domestic-failures-and-global-success\/\" target=\"_blank\" rel=\"noreferrer noopener\">frequently been spotlighted<\/a> as a gold standard for other digital identity systems to emulate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fighting-faster-fraud\">Fighting Faster Fraud<\/h2>\n\n\n\n<p>Sitharaman credited Aadhaar authentication with improving UPI payments, but she also highlighted the persistent challenges of fraud. One reason biometric programs have been slow to gain traction in many parts of the world is that they require both consumer adoption and merchant investment in acceptance infrastructure.<\/p>\n\n\n\n<p>While government backing for Aadhaar and UPI suggests that infrastructure deficiencies may not be a major obstacle in India, gaps in consumer awareness and adoption will likely remind. And since faster payments often <a href=\"https:\/\/www.paymentsjournal.com\/fighting-fraud-in-the-era-of-faster-payments\/\">equate to faster fraud,<\/a> challenges related to fraud persist across UPI and other instant payments systems.<\/p>\n\n\n\n<p>To combat this issue, Sitharaman noted that India\u2019s regulators and financial institutions are also conducting frequent awareness campaigns via text messages, radio campaigns, and other platforms.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>India\u2019s Unified Payments Interface (UPI) has grown into the dominant force in global instant payments, accounting for more than four out of every five real-time transactions worldwide. The system\u2019s rapid rise has been fueled by strong government support, widespread consumer adoption, and acceptance across a rapidly expanding network of merchants. According to MSN, India\u2019s finance [&hellip;]<\/p>\n","protected":false},"author":8464,"featured_media":525516,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"64662"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1284,64515,64886,54955],"tags":[1174,62912,62830,296,237,62086,182],"class_list":["post-525515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debit","category-emerging-payments","category-payments-news","category-real-time-payments","tag-aadhaar","tag-biometric","tag-biometric-authentication","tag-india","tag-instant-payments","tag-real-time-payments-3","tag-upi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>UPI Tightens Grip on Global Instant Payments Market - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"India\u2019s finance minister, Nirmala Sitharaman, said UPI accounted for 81% of global real-time payments last year.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UPI Tightens Grip on Global Instant Payments Market\" \/>\n<meta property=\"og:description\" content=\"India\u2019s finance minister, Nirmala Sitharaman, said UPI accounted for 81% of global real-time payments last year.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-16T16:38:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T16:39:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1703\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Wesley Grant\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Wesley Grant\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/\"},\"author\":{\"name\":\"Wesley Grant\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/56ed2b8956715e765cbbfdbf0f221dde\"},\"headline\":\"UPI Tightens Grip on Global Instant Payments Market\",\"datePublished\":\"2026-03-16T16:38:57+00:00\",\"dateModified\":\"2026-03-16T16:39:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/\"},\"wordCount\":404,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg\",\"keywords\":[\"Aadhaar\",\"Biometric\",\"Biometric Authentication\",\"India\",\"Instant Payments\",\"Real-time payments\",\"UPI\"],\"articleSection\":[\"Debit\",\"Emerging Payments\",\"News\",\"Real Time Payments\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/\",\"name\":\"UPI Tightens Grip on Global Instant Payments Market - PaymentsJournal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg\",\"datePublished\":\"2026-03-16T16:38:57+00:00\",\"dateModified\":\"2026-03-16T16:39:41+00:00\",\"description\":\"India\u2019s finance minister, Nirmala Sitharaman, said UPI accounted for 81% of global real-time payments last year.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg\",\"width\":2560,\"height\":1703,\"caption\":\"Two indian stylish mans friends in traditional clothes posed outdoor and looking on mobile phone.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/upi-tightens-grip-on-global-instant-payments-market\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"UPI Tightens Grip on Global Instant Payments Market\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/56ed2b8956715e765cbbfdbf0f221dde\",\"name\":\"Wesley Grant\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"caption\":\"Wesley Grant\"},\"description\":\"Wesley Grant serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/wesley-grant\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"UPI Tightens Grip on Global Instant Payments Market - PaymentsJournal","description":"India\u2019s finance minister, Nirmala Sitharaman, said UPI accounted for 81% of global real-time payments last year.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/","og_locale":"en_US","og_type":"article","og_title":"UPI Tightens Grip on Global Instant Payments Market","og_description":"India\u2019s finance minister, Nirmala Sitharaman, said UPI accounted for 81% of global real-time payments last year.","og_url":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-03-16T16:38:57+00:00","article_modified_time":"2026-03-16T16:39:41+00:00","og_image":[{"width":2560,"height":1703,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg","type":"image\/jpeg"}],"author":"Wesley Grant","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Wesley Grant","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/"},"author":{"name":"Wesley Grant","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/56ed2b8956715e765cbbfdbf0f221dde"},"headline":"UPI Tightens Grip on Global Instant Payments Market","datePublished":"2026-03-16T16:38:57+00:00","dateModified":"2026-03-16T16:39:41+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/"},"wordCount":404,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg","keywords":["Aadhaar","Biometric","Biometric Authentication","India","Instant Payments","Real-time payments","UPI"],"articleSection":["Debit","Emerging Payments","News","Real Time Payments"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/","url":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/","name":"UPI Tightens Grip on Global Instant Payments Market - PaymentsJournal","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg","datePublished":"2026-03-16T16:38:57+00:00","dateModified":"2026-03-16T16:39:41+00:00","description":"India\u2019s finance minister, Nirmala Sitharaman, said UPI accounted for 81% of global real-time payments last year.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/two-indian-stylish-mans-friends-traditional-clothes-posed-outdoor-looking-mobile-phone-scaled.jpg","width":2560,"height":1703,"caption":"Two indian stylish mans friends in traditional clothes posed outdoor and looking on mobile phone."},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/upi-tightens-grip-on-global-instant-payments-market\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"UPI Tightens Grip on Global Instant Payments Market"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/56ed2b8956715e765cbbfdbf0f221dde","name":"Wesley Grant","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","caption":"Wesley Grant"},"description":"Wesley Grant serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.","url":"https:\/\/www.paymentsjournal.com\/author\/wesley-grant\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/525515","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8464"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=525515"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/525515\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/525516"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=525515"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=525515"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=525515"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}