Pay By Bank

• Merchants and Retailers using AI in customer-facing, fraud prevention, or operational systems.
• Payment Service Providers, Acquirers, and Processors deploying or supplying AI-enabled systems across the payments ecosystem.
• Banks and Financial Institutions assessing AI use across payments, fraud prevention, and credit-related decisioning.
• Fraud, Risk, and Compliance Professionals responsible for evaluating AI-related risks, regulatory obligations, and internal controls.
• Legal, Product, Procurement, and Governance Teams involved in AI implementation, vendor oversight, documentation, and organizational policies.

In this course, you’ll learn how composable payments architecture can help organizations build more flexible, adaptable, and scalable payment systems. You’ll explore key concepts such as modularity, interoperability, orchestration, workflow design, and observability, and learn how to assess payment architecture using tools like the Composability Test framework and Composability Index. The course also introduces practical modernization strategies, including API-first design, decoupling, standardized interfaces, and modular rollout approaches that can improve agility without disrupting existing payment flows. Through real-world examples, you’ll see how composable approaches can support provider-agnostic payment flows, alternative payment methods, subscription management, automation,

• Program Level: Intermediate
• Program Field of Study: Specialized Knowledge
• Program Delivery Method: QAS Self Study
• CPE Credits:1.6
• Advanced Preparation and/or Pre-requisites: Payment Essentials: Fundamentals is recommended.

Refund Policy: Refunds and cancellations are determined on a case-by-case basis. Cancellations must be communicated in writing to programs@merchantriskcouncil.org. No refunds will be issued once a course has been started.