Definitely, the use of Blockchain has increased in 2018. In the online payments field, various companies have attempted to create the new protocol that will overcome challenges of scalability and ease of use. However, scalability issues such as processing transactions speed challenge the potential. Blockchain technologies are inherently incompatible to use payments, at least not in the scale and trust desperately demanded in the industry. In the course of time, the linear blocks confirmation does provide the solution.

Moreover, creating trust between two disparate parties becomes an overwhelming challenge too. For the sub-industry of anonymous payments, the issue is irrelevant, but for the layer of merchants-consumers, consumers-consumers, and acquirer-to-issuer — the crypto world should provide a key .Narrow scoring methods to account for the risks involved between parties can unfairly affect excellent merchants .