Presentation Identifier.4 Information Classification as Needed Existing card scheme solutions have evolved over 30 years and do not necessarily meet the requirements of all parties: merchants often hold invalid card number information this leads to high decline rates (circa 30%) and chargebacks (up to 20 x face-to-face) difficult to stop Regular Payments – regulatory impact Cardholder and merchants are becoming reluctant to use card based Regular Payments But there are problems
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