Insights

What we publish, and why

Explanation rather than promotion: how these procedures work, what the PayWave program is doing, and what a claimant should expect at each stage.

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7 ARTICLES

Case noteFeatured

PayWave customers could be owed compensation following alleged unlawful arbitration practices

Between November 2021 and February 2025, PayWave charged instant-transfer and currency-conversion fees above the rates it published. A class action is barred by the contract. An individual arbitration is not.

PRPriya RaghunathanSenior associate, New YorkAug 3, 2026 · 6 min read

Explainer

Understanding mass arbitration

A procedure that exists because of a contractual term, not in spite of one. How individual demands filed in volume came to be the principal route to consumer redress in the United States.

Daniel Okonjo · 7 min read

Analysis

Why the PayWave program is unusual

Most mass arbitrations fight about the clause. This one accepts it. Three features of the PayWave demands that set the program apart from its predecessors.

Daniel Okonjo · 5 min read

Explainer

How collective redress works

Three jurisdictions, three mechanisms, one purpose: making a loss too small to sue over into a claim a court can hear.

Eleanor Fairbairn · 8 min read

Explainer

Settlement distribution explained

Where the money goes between an agreement in principle and a payment in an account — set out in the order the deductions are applied.

Marta Van Bruggen · 6 min read

Explainer

Understanding arbitration agreements

The clause almost nobody reads, what it actually does, and the four things worth checking in the agreement you have already accepted.

Priya Raghunathan · 6 min read

Practical guide

Preparing your supporting evidence

What to gather, what not to worry about, and why a partial record is worth more than no record at all.

Case operations team · 5 min read

The awareness article that starts the journey

The PayWave case note is written for the people affected rather than for lawyers. It explains the fees, the arbitration clause, and what registering does and does not commit you to.

Read the case note Check your eligibility