{"id":1993,"date":"2026-06-10T05:57:53","date_gmt":"2026-06-10T05:57:53","guid":{"rendered":"https:\/\/platforms.worldpay.com\/en\/?p=1993"},"modified":"2026-06-10T05:57:55","modified_gmt":"2026-06-10T05:57:55","slug":"fraud-is-no-longer-a-merchant-problem-its-a-platform-imperative","status":"publish","type":"post","link":"https:\/\/platforms.worldpay.com\/en\/blog\/fraud-is-no-longer-a-merchant-problem-its-a-platform-imperative\/","title":{"rendered":"Fraud is no longer a merchant problem\u2014it\u2019s a platform imperative"},"content":{"rendered":"
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By Billi Jo Wright, executive lead, general manager, integrated and platforms \u2013 PayFac at Global Payments<\/em><\/p>\n\n\n\n

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For more than 25 years, my career has been rooted in risk management. As the general manager of PayFac for Global Payments and former chief risk and compliance officer for Worldpay\u2019s platforms line of business, I\u2019ve never seen risk evolve as quickly \u2014 or become as deeply interconnected\u2014as it is today.<\/p>\n\n\n\n

When software leaders think about payments, they often think about transaction processing. But payments today are far bigger than that. They are embedded into software platforms, marketplaces, and daily experiences we rely on without even thinking about it. And as payments become more integrated, fraud risk expands far beyond a single merchant. It becomes a platform-wide responsibility.<\/a><\/span>

That shift presents incredible opportunity \u2014 but it also raises the stakes.<\/p>\n\n\n\n

Payments as a growth engine and a shared risk surface<\/h2>\n\n\n\n

What I love about my role at Global Payments is how closely risk aligns with the broader software platform journey. Payments are no longer an add-on; they\u2019re a core part of how platforms differentiate, scale, and deliver value<\/a><\/span>.

Our goal isn\u2019t to take control from platforms or merchants. It\u2019s to act as a true partner\u2014helping them understand and manage risk while still allowing them to own the customer experience and embed payments seamlessly into their offering.

That partnership mindset is critical, because fraud today doesn\u2019t sit neatly in one place. It touches every part of the ecosystem \u2014 from the software platform to the merchant, to the issuing bank, and ultimately to the end customer.<\/p>\n\n\n\n

Why platforms can\u2019t afford to treat fraud as an afterthought<\/h2>\n\n\n\n

Think about how often you interact with platforms that embed payments: scheduling apps, marketplaces, subscription services, restaurants, storage facilities, and countless others. Payments are woven into the customer journey, from product selection to checkout to post-purchase support.

At every stage, trust matters.

I\u2019ve yet to meet a merchant who started their business because they love managing fraud and disputes. And I know John Winstel hasn\u2019t either; we recently chatted about this during our candid fraud-centered conversation. (If you missed it, you can listen to it here.) <\/span><\/a><\/p>\n\n\n\n


Merchants build businesses because they have a product or service they believe in \u2014 and they want customers to come back.

The same is true across the ecosystem. Issuing banks want cardholders to trust their payment methods. Platforms want users to stay engaged. And consumers expect every transaction to be secure, seamless, and reliable.

When fraud disrupts that experience, everyone feels it.<\/p>\n\n\n\n