Chargeback fees surge as AI reshapes online payments and merchants bear the cost

Senior Business Correspondent
10 Dec, 2025
Michael Sainsbury
Senior Business Correspondent
10 Dec, 2025
Bank disputes processes are giving way to automated, opaque and more expensive fintech systems, costing merchants big dollars in fees as online sales boom.
Chargeback fees surge as AI reshapes online payments and merchants bear the cost

Bank disputes processes are giving way to automated, opaque and more expensive fintech systems, costing merchants big dollars in fees as online sales boom.

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Goldenbet’s Australian-focused PayID promotion raises questions about payment oversight, as banks prepare for new obligations to block illegal gambling transfers and regulators warn of scams exploiting the familiar
When Bolt Group’s Bano’s was disconnected after Banking Circle’s court win, it left crypto exchanges and fintechs reshuffling their Australian banking and payments relationships, as providers reassess the
With Stripe also connecting to NPP via Zepto, online payments groups will be challenged by crypto companies for a slice of a low-cost acceptance market Visa and Mastercard
Nine out of ten Kiwi’s said New Zealand needs a minimum standard for access to cash services regardless of if they live rurally or in an urban area,
Apple is steering the Reserve Bank of Australia (RBA) towards an innovation debate involving digital ID and cheaper account-to-account payments, as the Big 4 push for iPhone NFC

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