Security
The Scam Problem on Real-Time Rails - and What Actually Works
Confirmation-of-payee, intent signals, and a few hard truths about consumer education.
By Anika Rao · May 8, 2025 · 10 min read
Real-time, irrevocable rails have created a persistent fraud category - the authorized push-payment scam - that traditional card-style controls cannot address. The interventions that actually move the needle combine confirmation-of-payee schemes, intent-based friction, and clear liability allocation among the participating institutions.
Consumer education matters but is not sufficient; the durable wins come from infrastructure and policy.
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Sources & References
- Visa - Visa Economic Empowerment Institute
- Mastercard - Newsroom & Research
- U.S. Federal Reserve - Payments Research
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