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Archive · October 25, 2026

October 25, 2026.
Five payments stories that matter.

The 5-minute briefing for payments professionals who need to know what happened, what it means, and what to do about it — before their 9am.

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The Lead

Story 01

Same Day ACH Transaction Limit Set to Rise to $10 Million in 2027

The Same Day ACH per-transaction limit is scheduled to increase from $1 million to $10 million on September 17, 2027. The higher ceiling will make larger corporate payments eligible for same-day processing, expanding the service’s role between traditional batch ACH and instant payments. Banks and payment providers can assess affected payment flows, origination capacity, cutoff management and reconciliation ahead of the change; the current $1 million limit still applies.

Source: PYMNTS
Also Worth Knowing
№02

Polygon Completes Coinme Acquisition, Adding Regulated US Payment Access

Polygon completed its Coinme acquisition, according to its October 14 announcement. The company says its resulting U.S. payments business covers 48 states through 37 money-transmitter licenses and 11 applicable extensions. Open Money Stack combines that access with wallets, cross-chain routing, settlement and banking connections. Fintechs evaluating the platform still need to confirm supported flows and state-level availability: money-transmitter permissions and FinCEN registration do not confer a banking charter or deposit insurance.

Source: PYMNTS
№03

BitGo Reports Bank Custody Interest Following Charter and Listing

In an October 23 interview, BitGo executive Frank Wang cited two recent requests for proposals from large financial institutions, describing stronger interest following its December 2025 national trust charter and January 2026 public listing. Banks can use BitGo software to manage custody themselves or outsource custody to BitGo Bank & Trust. Those models offer different allocations of operational responsibility; the reported RFPs do not establish signed contracts or revenue.

Source: Banking Dive
№04

TD Bank Selects Akoya for Credential-Free Data Connections

TD Bank U.S. selected Akoya’s Open Finance Solution, with app and data-aggregator onboarding scheduled to begin in Q4 2026. Customers will be able to authorize and revoke data access without sharing bank login credentials with third parties. Connecting fintechs and aggregators gain a standardized API route into TD, with data coverage and consent flows to validate during onboarding. The deployment concerns data access, not payment initiation.

Source: PYMNTS
№05

Amex Adds More Than One Million Airbnb Listings to Its Travel Platform

American Express and Airbnb announced October 22 that eligible U.S. cardmembers can book more than one million Airbnb listings through AmexTravel.com and the Amex Travel App. Eligible prepaid bookings can earn Membership Rewards points. The announcement also describes a $600 annual Lodging Credit and a new $250 statement credit for eligible U.S. Consumer and Business Platinum cardmembers, each subject to its own terms. Airbnb gains a premium-card distribution channel, while Amex expands accommodation inventory within its booking platform.

Source: PYMNTS
The Long Memory
“On September 18, 2000, the EU adopted its first Electronic Money Directive, 2000/46/EC. It established a prudential framework for electronic money institutions, including initial-capital requirements, restrictions on investments and rules allowing holders to redeem electronic money at par value. Source: EUR-Lex, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32000L0046

Filed under: Payments History · The Long Memory

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