MRC Vegas 2024: A Recap

Merchant Risk Council’s March 25–28, 2024 conference in Las Vegas highlighted major trends and challenges in fraud and payments, including increasing adoption of network tokens as issuer support grows and card-network fees create stronger incentives for merchants. The discussion also distinguished network tokens, which are issued and used within card-network ecosystems, from universal or agnostic payment tokens that can work across channels, networks, and processors without revealing underlying payment data. Fraud remained a central concern, with a 2024 report indicating that merchants are encountering more types of attacks and that 94% of MRC members experienced first-party misuse fraud in the previous year, while AI-enabled fraud is expected to drive further evolution in fraud-management tools. Merchants also emphasized that selecting flexible, effective payment partners is essential for building tailored payment stacks, accelerating innovation, and supporting revenue growth, and Basis Theory noted its engagement with partners and merchants during the event.

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