{"id":3738455,"date":"2026-05-15T19:56:39","date_gmt":"2026-05-15T23:56:39","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3738455"},"modified":"2026-05-17T21:49:23","modified_gmt":"2026-05-18T01:49:23","slug":"fpc-says-clear-dispute-rules-pave-way-for-trusted-instant-payments","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/real-time-payments\/2026\/fpc-says-clear-dispute-rules-pave-way-for-trusted-instant-payments\/","title":{"rendered":"FedNow Urges Transparency as Fraud Disputes Rise"},"content":{"rendered":"<p>A clear and consistent dispute resolution process is essential to building trust and promoting the growth of instant payments, according to two contributors to a report released Friday (May 15) by the\u00a0<a href=\"https:\/\/www.fasterpaymentscouncil.org\/\">U.S. Faster Payments Council<\/a>\u00a0(FPC).<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div 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name=\"YourCompany\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourEmail\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control border-secondary\" id=\"inputEmail\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"YourEmail\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourCountry\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputCountry\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Country*\" value=\"\" type=\"text\" name=\"YourCountry\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"inputEmailHidden\" value=\"\" type=\"hidden\" name=\"yourName\" \/>\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3738455\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/real-time-payments\/2026\/fpc-says-clear-dispute-rules-pave-way-for-trusted-instant-payments\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"44\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p>The report, \u201c<a href=\"https:\/\/fasterpaymentscouncil.org\/blog\/17138\/Instant-Payments-Fraud-Dispute-Resolution-Guiding-Principles-for-the-U-S-Report\">Instant Payments Fraud Dispute Resolution: Guidance Principles for the U.S.<\/a>,\u201d addresses the unique challenges of fraud dispute resolution when payments are irrevocable and provides guidance for designing dispute resolution frameworks. It does not provide specific rules or liability frameworks, FPC said in a Friday\u00a0<a href=\"https:\/\/fasterpaymentscouncil.org\/blog\/17139\/U-S-Faster-Payments-Council-Releases-Guiding-Principles-for-Instant-Payments-Fraud-Dispute-Resolution\">press release<\/a>.<\/p>\n<p>Three of the 11 guiding principles outlined in the report are recognizing that all ecosystem participants have a shared responsibility in mitigating fraud, establishing structured dispute resolution workflows, and promoting transparency through ISO 20022-aligned information exchange.<\/p>\n<p>\u201cSpeed and dispute resolution can co-exist,\u201d\u00a0<a href=\"https:\/\/www.linkedin.com\/in\/lee-kyriacou-8aa4971b\">Lee Kyriacou<\/a>, partner at\u00a0<a href=\"https:\/\/paygility.com\/\">PayGility Advisors<\/a>\u00a0and chair of the FPC Fraud and Scam Mitigation for Faster Payment Work Group, said in the release. \u201cEstablishing a clear and consistent dispute resolution process is essential to the adoption and growth of instant payments.\u201d<\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/in\/shelley-rojano-0092124\">Shelley Rojano<\/a>, executive director, payments risk management at\u00a0<a href=\"https:\/\/www.jpmorganchase.com\/\">JPMorganChase<\/a>\u00a0and vice chair of the FPC Fraud and Scam Work Group, said in the release: \u201cBecause many forms of instant payments are irrevocable, dispute resolution has become a defining trust issue for adoption.\u201d<\/p>\n<p>The\u00a0<a href=\"https:\/\/www.pymnts.com\/pymnts-intelligence\/\">PYMNTS Intelligence<\/a>\u00a0report \u201c<a href=\"https:\/\/www.pymnts.com\/tracker\/money-mobility-debunking-faster-payments-fraud-fears\/\">Instant Myths: Debunking Faster-Payments Fraud Fears<\/a>\u201d found that fraud concerns are shaping how businesses approach instant payments.<\/p><div id=\"pymnt-685250090\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p>The report found that 16% of businesses experienced payment fraud in the previous year and that their fear of fraud threatened the adoption of instant payments.<\/p>\n<p>\u201cBusinesses\u00a0increasingly value the speed and liquidity benefits of real-time money movement, yet many remain hesitant due to fears around sharing account information, vulnerability to scams and uncertainty about the safety of new rails,\u201d the report said.<\/p>\n<p>A PYMNTS Intelligence report focused on credit card disputes, \u201c<a href=\"https:\/\/www.pymnts.com\/study\/how-card-disputes-are-an-opportunity-to-cultivate-customer-loyalty\/\">How Card Disputes Are an Opportunity to Cultivate Customer Loyalty<\/a>,\u201d found that 52% of consumers said that speedy processing of a charge card dispute is a key reason they were satisfied with its resolution.<\/p>\n<p>The FPC\u2019s new report joins others it has published on the topic of instant payments, including \u201c<a href=\"https:\/\/fasterpaymentscouncil.org\/userfiles\/2080\/files\/OCWG_Operational%20Considerations%20for%20Instant%20Payments%20Send%20Side%20Guidelines_09-25-2025%20Final.pdf\">Operational Considerations for Instant Payments Send-Side Guidelines<\/a>,\u201d which shares\u00a0<a href=\"https:\/\/www.pymnts.com\/real-time-payments\/2025\/faster-payments-council-says-proper-planning-key-to-implementing-instant-payments\/\">best practices<\/a>\u00a0for financial institutions, and \u201c<a href=\"https:\/\/fasterpaymentscouncil.org\/userfiles\/2080\/files\/OCWG_Operational%20Considerations%20for%20Receiving%20Instant%20Payments%20Guideline_09-12-2024%20Final.pdf\">Operational Considerations for Receiving Instant Payments<\/a>.\u201d<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 1;\r\n\twindow.pymntsPostID = 3738455;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>A clear and consistent dispute resolution process is essential to building trust and promoting the growth of instant payments, according to two contributors to a report released Friday (May 15) by the\u00a0U.S. Faster Payments Council\u00a0(FPC). Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3738487,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","pymnts_footnotes":""},"categories":[76197],"tags":[13521,7295,9186,9206,133069,5299],"class_list":["post-3738455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-time-payments","tag-bank-regulations","tag-faster-payments","tag-instant-payments","tag-news","tag-pymnts-news","tag-whats-hot"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>FedNow Urges Transparency 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