{"id":527037,"date":"2026-04-03T12:00:31","date_gmt":"2026-04-03T16:00:31","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=527037"},"modified":"2026-04-03T12:00:34","modified_gmt":"2026-04-03T16:00:34","slug":"credit-cards-in-russia-comrade-watch-your-rubles","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/","title":{"rendered":"Credit Cards in Russia: Comrade, Watch Your Rubles"},"content":{"rendered":"\n

We follow the Russian credit card market, particularly after G-7 sanctions were imposed in 2022<\/a>.\u00a0Russia\u2019s reactions were notable and effective.\u00a0Once Mastercard and Visa moved away from the market, Russia dusted off its Mir credit card and shifted to its alternative process.<\/p>\n\n\n\n

Russia\u2019s domestic payment system worked, but mostly within the country.\u00a0It had little acceptance outside of the country, and Americans are strongly advised not to visit.\u00a0 In fact, the U.S. Department of State has this warning posted at their travel site<\/a>: \u201cDo not travel to Russia for any reason. U.S. citizens are at risk due to terrorism, unrest, wrongful detention, and other threats.\u201d\u00a0 For me, I\u2019d rather sit in sunny Tampa, FL, with my American Express, Discover, Mastercard, and Visa in my hand.<\/p>\n\n\n\n

From the sound of it, Russians feel the same way, and in their international travel, stick to countries like Indonesia, Thailand, Turkey, and the UAE.\u00a0To each its own, I guess.<\/p>\n\n\n\n

But despite Mir’s mechanical resilience, delinquencies and interest rates are off the charts. Interest rates are north of 50%<\/a>, the Russian Central Bank has a fledgling credit score, and only 3.3 million new cards were issued in 2025, against a base of 100 million.<\/p>\n\n\n\n

Delinquencies: Da, Off the Charts<\/h2>\n\n\n\n

According to this Russian news agency, \u201cFrom October 2024 to April 2025, the total volume of credit card delinquencies in Russia increased by almost 70% and reached 110 billion rubles.”\u00a0With inflation at the brink of double-digits, consumer life in the Kremlin is not so rosy.<\/p>\n\n\n\n

What\u2019s Next<\/h2>\n\n\n\n

Russia does deserve credit for Mir as a stand-in for credit infrastructure. It lacks the global capabilities of the Mastercard and Visa networks. It also lacks the collaborative support of a global network that helps with credit management and fraud controls. But, almost half a decade later, it is still working.\u00a0Their home-grown credit scoring isn\u2019t FICO Score-based<\/a>, but it is better than nothing. For now, the market\u2019s biggest challenge is to control inflation, manage down rates, and improve credit quality.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

We follow the Russian credit card market, particularly after G-7 sanctions were imposed in 2022.\u00a0Russia\u2019s reactions were notable and effective.\u00a0Once Mastercard and Visa moved away from the market, Russia dusted off its Mir credit card and shifted to its alternative process. Russia\u2019s domestic payment system worked, but mostly within the country.\u00a0It had little acceptance outside […]<\/p>\n","protected":false},"author":335,"featured_media":527039,"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":"1259"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1259],"tags":[221,571,65955,161,160],"class_list":["post-527037","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-credit","tag-credit-cards","tag-fico","tag-g-7","tag-mastercard","tag-visa"],"yoast_head":"\nCredit Cards in Russia: Comrade, Watch Your Rubles - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"Once Mastercard and Visa moved away from the market, Russia dusted off its Mir credit card and shifted to its alternative process.\" \/>\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\/credit-cards-in-russia-comrade-watch-your-rubles\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Cards in Russia: Comrade, Watch Your Rubles\" \/>\n<meta property=\"og:description\" content=\"Once Mastercard and Visa moved away from the market, Russia dusted off its Mir credit card and shifted to its alternative process.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/\" \/>\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=\"2026-04-03T16:00:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-03T16:00:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/04\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-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=\"Brian Riley\" \/>\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=\"Brian Riley\" \/>\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\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/\"},\"author\":{\"name\":\"Brian Riley\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/eb92988b92727058998867db340ce60a\"},\"headline\":\"Credit Cards in Russia: Comrade, Watch Your Rubles\",\"datePublished\":\"2026-04-03T16:00:31+00:00\",\"dateModified\":\"2026-04-03T16:00:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/\"},\"wordCount\":343,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg\",\"keywords\":[\"Credit Cards\",\"FICO\",\"G-7\",\"Mastercard\",\"Visa\"],\"articleSection\":[\"Analysts Coverage\",\"Credit\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/\",\"name\":\"Credit Cards in Russia: Comrade, Watch Your Rubles - PaymentsJournal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg\",\"datePublished\":\"2026-04-03T16:00:31+00:00\",\"dateModified\":\"2026-04-03T16:00:34+00:00\",\"description\":\"Once Mastercard and Visa moved away from the market, Russia dusted off its Mir credit card and shifted to its alternative process.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg\",\"width\":2560,\"height\":1703,\"caption\":\"Pay for goods by credit card through a smartphone in a coffee shop.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/credit-cards-in-russia-comrade-watch-your-rubles\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Cards in Russia: Comrade, Watch Your Rubles\"}]},{\"@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\\\/eb92988b92727058998867db340ce60a\",\"name\":\"Brian Riley\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/Brian-Riley_new_260x399-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/Brian-Riley_new_260x399-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/Brian-Riley_new_260x399-150x150.jpg\",\"caption\":\"Brian Riley\"},\"description\":\"Director, Credit Advisory Service at Javelin Strategy & Research\",\"sameAs\":[\"https:\\\/\\\/www.mercatoradvisorygroup.com\\\/Analysts\\\/Brian_Riley\\\/\"],\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/brian-riley\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Credit Cards in Russia: Comrade, Watch Your Rubles - PaymentsJournal","description":"Once Mastercard and Visa moved away from the market, Russia dusted off its Mir credit card and shifted to its alternative process.","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\/credit-cards-in-russia-comrade-watch-your-rubles\/","og_locale":"en_US","og_type":"article","og_title":"Credit Cards in Russia: Comrade, Watch Your Rubles","og_description":"Once Mastercard and Visa moved away from the market, Russia dusted off its Mir credit card and shifted to its alternative process.","og_url":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-04-03T16:00:31+00:00","article_modified_time":"2026-04-03T16:00:34+00:00","og_image":[{"width":2560,"height":1703,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/04\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg","type":"image\/jpeg"}],"author":"Brian Riley","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Brian Riley","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/"},"author":{"name":"Brian Riley","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/eb92988b92727058998867db340ce60a"},"headline":"Credit Cards in Russia: Comrade, Watch Your Rubles","datePublished":"2026-04-03T16:00:31+00:00","dateModified":"2026-04-03T16:00:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/"},"wordCount":343,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/04\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg","keywords":["Credit Cards","FICO","G-7","Mastercard","Visa"],"articleSection":["Analysts Coverage","Credit"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/","url":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/","name":"Credit Cards in Russia: Comrade, Watch Your Rubles - PaymentsJournal","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/04\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg","datePublished":"2026-04-03T16:00:31+00:00","dateModified":"2026-04-03T16:00:34+00:00","description":"Once Mastercard and Visa moved away from the market, Russia dusted off its Mir credit card and shifted to its alternative process.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/04\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/04\/pay-goods-by-credit-card-through-smartphone-coffee-shop-1-scaled.jpg","width":2560,"height":1703,"caption":"Pay for goods by credit card through a smartphone in a coffee shop."},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/credit-cards-in-russia-comrade-watch-your-rubles\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"Credit Cards in Russia: Comrade, Watch Your Rubles"}]},{"@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\/eb92988b92727058998867db340ce60a","name":"Brian Riley","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2017\/05\/Brian-Riley_new_260x399-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2017\/05\/Brian-Riley_new_260x399-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2017\/05\/Brian-Riley_new_260x399-150x150.jpg","caption":"Brian Riley"},"description":"Director, Credit Advisory Service at Javelin Strategy & Research","sameAs":["https:\/\/www.mercatoradvisorygroup.com\/Analysts\/Brian_Riley\/"],"url":"https:\/\/www.paymentsjournal.com\/author\/brian-riley\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/527037","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\/335"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=527037"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/527037\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/527039"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=527037"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=527037"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=527037"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}