Deploy these advanced AML strategies that detect complex money laundering patterns while building bulletproof compliance systems Every 24 hours, currency markets process around $6.6 - $8.4 trillion in trades—enough volume to hide almost any illicit transfer in plain sight. The…
You can break free from banking hours with stablecoin payments that settle instantly across any timezone Stablecoins have evolved from experimental tokens to a practical payment method. Their combined market value now exceeds $285 billion, with total transfer volume reaching…
Learn payment methods, currency rules and consumer behaviour in Colombia Colombia has raced ahead to become Latin America's third-largest economy. This is a territory that moved $52 billion in online sales during 2024 and is on track to reach $81…
Understand payment methods, settlement rules and consumer behaviour in Peru's mobile-first market Peru's economy keeps expanding, clocking 2.9% year-on-year growth in Q2 2025, its sixth straight quarterly increase. This solid macro backdrop comes with a payments revolution. Peru's membership in…
Here are practical stablecoin strategies to stop currency devaluation from eroding your cash reserves Emerging-market currencies have experienced double-digit declines against the dollar as capital has fled and policy rates have remained high, leaving bonds trailing their hard-currency peers. You…
Master AML and KYC requirements to speed up your account approval and start accepting payments faster You open the onboarding portal for a new payment provider and face a long list of document requests: passports, shareholder registers, website screenshots, even…
Stablecoins help Latin American finance teams pay contractors instantly while avoiding currency volatility and banking delays Stablecoins now represent 39% of all cryptocurrency activity across Latin America. Inflation explains why. Venezuela still wrestles with triple-digit rates above 150%. Every time…
Break free from payment complexity with stablecoin payments Stablecoins are digital currencies that maintain stable value, typically pegged to the US dollar. Unlike Bitcoin or other cryptocurrencies, which fluctuate wildly, stablecoins attempt to maintain a stable value of $1, making…
Help your EU business cut losses while maintaining high approval rates eCommerce fraud is getting more expensive every year. Global fraud losses jumped from $17.5 billion in 2020 to $44.3 billion in 2024 and are set to hit $107 billion…
Fraudsters can exploit returns to steal your products and manipulate payments Return policy abuse costs UK retailers $2.6 billion in losses annually, with marketplace operators bearing disproportionate losses as fraudsters exploit platform vulnerabilities and seller relationships. Unlike legitimate returns driven…
Payment network architecture can affect your authorisation rates and settlement performance When your payment gateway reports an X% authorisation decline, the problem often isn't your processor—it's the payment network infrastructure beneath it. You submit transaction requests through systems you never…
These AI-manufactured identities can fool your verification systems and disappear with massive transactions In early 2024, a finance employee at a UK engineering giant, Arup, transferred $25 million to criminals during a video conference featuring multiple AI-generated 'executives'—each a convincing…
Beat the 1% chargeback threshold and avoid MATCH listing in Europe's toughest regulatory landscape For merchants across the EU and UK, reversals can put your cash flow at risk, strain your acquirer relationships and invite regulatory scrutiny. Understanding how to…
With partial authorisation, you can capture partial card balances to reduce abandonment and improve customer experience A shopper fills their basket with £2,847 of supplements. Their card limit falls £247 short. Under traditional all-or-nothing processing, the entire payment fails and…
The GENIUS Act changes the way stablecoins are regulated in the United States. Here’s what you need to know. Stablecoins now underpin more than $250 billion in on-chain value, yet until recently, there was no single federal rulebook for these…
Criminals can position themselves between your customers and competitors to generate guaranteed profits from stolen payment data UK Finance reports that remote purchase fraud cases jumped 22% in 2024, reaching nearly 2.6 million incidents with losses climbing 11% to just…
Types of account takeover attacks that your payment operations team must understand and prevent Imagine one of your most reliable customers—a seller with a spotless payment record—suddenly rerouting payouts to an unknown bank. Nothing in your dashboards looks abnormal because…
Turn unpredictable international payment chaos into strategic operational control Your €50,000 supplier payment to Germany should have been straightforward until you discovered it cost €237 in unexpected fees and arrived two days late, straining a crucial business relationship. If this…
How payment rail choice impacts settlement speed, costs and operations in the US ACH and wire transfers power the US payments landscape, processing trillions in transaction volume annually. These two distinct payment rails demonstrate different approaches to balancing cost, speed…
Build a checkout security that protects revenue instead of blocking legitimate sales The most successful marketplace platforms have discovered that security doesn't have to kill conversions. Rather than choosing between protection and performance, leading operators implement intelligent security frameworks that…
Understanding chargeback fundamentals and the four critical types can help you stop revenue loss before it starts With over £1 billion stolen through payment fraud in 2024 and global chargeback volume projected to hit £33.79 billion by 2025, understanding chargebacks…
Discover the hidden costs destroying your margins when customers dispute legitimate purchases. Friendly fraud can be a blind spot for payment operations. UK merchants alone are losing £128 million annually to customers disputing legitimate transactions they actually made. This article…
Master 30-45 day fund freezes, VAT complications and cross-border dispute timelines before they bankrupt your business Imagine watching £247K of confirmed sales disappear overnight. The money sits locked in a "temporary reversal" ledger entry you cannot touch. Your products have…
How payment professionals can evaluate provider models and choose a unified approach If you've ever managed cross-border payments, you know that a simple plan to expand to different new countries quickly becomes complex. Multiple banking relationships mean repeating the same…
Transform your checkout experience with click-to-pay purchasing that boosts conversions, reduces cart abandonment and increases customer lifetime value Roughly 70% of online baskets never reach the payment page and 22% of those abandonments happen because the checkout feels too complicated…
Payment processing APIs can drive higher authorisation rates and global expansion for your fast-growing digital businesses Digital commerce keeps stretching the limits of what your payment stack must handle. Analysts expect online transactions to cross the $8.5 trillion mark by…
Protect your revenue through precision fraud detection designed for high-opportunity platforms A fraud rules engine is an automated system that evaluates transactions against predefined business logic and risk parameters to identify potentially fraudulent activity in real-time. For businesses, the difference…
Multi-party fraud prevention tactics for your marketplace payment infrastructure Unlike single-merchant transactions, marketplaces face multi-party fraud schemes where criminals exploit seller accounts, manipulate commission structures and orchestrate coordinated buyer-seller schemes that can drain platform funds. Payment security breaches in marketplaces…
Leading stablecoins can deliver faster settlements and optimise your payment operations Stablecoins settled approximately $5.7 trillion in value in 2024—roughly $475 billion every month—volumes that now challenge giants like Visa, one of the world's biggest card networks. This gives payment…
Stablecoins are set to dominate cross-border payments. Here's what you need to know about this new currency, its stability and its risks What is Stablecoin Backing? Stablecoin backing is the pool of reserve assets, usually cash, treasuries or other highly…
Stop losing money to preventable disputes and reduce manual chargeback management across multiple systems. If you've managed marketplace payments, you know that accepting payments from buyers and paying sellers across borders quickly turns into chaos. Multiple payment processors mean chasing…
You can protect your business from Bank Identification Number testing fraud with a comprehensive blueprint More than £1 billion vanished through payment fraud in the UK in 2024. Behind this alarming spike lies a threat that most businesses fail to…
What Is a Bank Identification Number (BIN) And How Can They Help Prevent Payment Fraud? Bank Identification Numbers (BINs or Issuer Identification Numbers) are the first 6 to 8 digits on payment cards that support transaction intelligence. These digits direct…
Differences in transaction types impact your authorisation rates and fraud exposure UK issuers recorded £572.6 million in card fraud last year, with seven in ten pounds lost through card-not-present purchases—an 11% jump from 2023. If you manage payment operations, those…
How API-first payment infrastructure enables instant payouts, global expansion, and seamless user experiences across digital platforms. Embedded finance has moved from theory to reality, with examples everywhere. You've already experienced this shift when topping up a digital wallet, splitting a…
Effective payment reconciliation processes can prevent fraud, eliminate discrepancies and accelerate your month-end close Picture this: you're three days into your month-end close when your accountant discovers a £15,000 discrepancy between your payment processor reports and bank statements. Your international…
Knowledge about payment liability shift can protect your business revenue. Picture this: you approve what looks like a routine $500 sale. Three weeks later, you discover the cardholder’s credentials were stolen. Your bank reverses the funds, adds a chargeback fee…
Voided transaction clearing speed directly impacts your bottom line and customer satisfaction It's 4:47 PM on a Friday when a customer fires off an email demanding that a duplicate £2,400 charge vanish before Monday—or they'll broadcast the mishap on social…
Understanding AVS Mismatch helps you recover lost revenue from failed transactions Address verification failures are a real business risk that demands attention. Here are straightforward explanations of AVS mismatch errors, response-code tactics and advanced fraud controls you can implement today…
Cross-border trading can erode your profit margins through hidden costs. International regulatory paperwork, cross-border compliance complexities and multi-day delivery often create cash flow unpredictability. While your competitors leverage efficient payment processing solutions and quote prices with confidence, you absorb surprise…
Prevent payment failures from jeopardising your business 1. Understand Why Payments Fail Credit card payment failures occur when transactions get declined after customers input their payment details and attempt to complete their purchase. Understanding the root causes helps you address…
The trading platform revolution is reshaping user expectations. Online trading is changing beyond recognition. With mobile platforms attracting millions of new users and blockchain technology reshaping settlement infrastructure, the financial markets of 2025 look radically different from just five years…
Transform cryptic two-digit decline codes into actionable strategies for higher approval rates and better customer experience. European buyers keep seeing their cards declined. Each failed attempt surfaces as a cryptic two-digit bank response code—05, 91, 96—that most checkout dashboards simply…
Lengthy KYC verification can become a significant business bottleneck. KYC verification delays can halt your business operations when verification stretches into multiple weeks or months. Whether you're launching new payment capabilities, onboarding with a new processor or expanding into additional…
These six proven methods can reduce fraud and transform security threats into competitive advantages. Gaming, a high-opportunity industry experiencing explosive growth, accounts for 55% of all first-party fraud incidents despite comprising only 15% of online transactions. Fraudsters target this industry…
Choose the right payment infrastructure for your business Payment professionals regularly evaluate whether to continue with direct gateway integrations or move to orchestration platforms that promise unified management and routing. This decision affects your technical architecture, operational complexity and ability…
What Is a Merchant ID Number? When you start accepting card payments, you'll quickly encounter a credit card processing essential: the merchant ID number. This unique 15-digit alphanumeric code comes from your acquirer or payment processor when you set up…
Address verification system technology (AVS) can help you catch fraudsters before they steal your money By 2030, Card-Not-Present (CNP) fraud is projected to reach an unbelievable $49 billion in global losses. As payments evolve, it remains a leading concern, with…
Batch payment processing can save your business time and money Administrative overhead compounds with volume. Processing 100 payments individually takes 10 times longer than processing 1000 payments together —your team capacity becomes the bottleneck that constrains business growth. Batch payment…
Cut Hours Of Manual Work with Automated Payments Manual payment processing slows down your business and puts you at a disadvantage. The difference between manual methods and automated processes like straight-through processing (STP) can determine your success. STP automates payments…
As digital payments continue to evolve, cryptocurrencies are carving out their place as an alternative to traditional payment methods. More businesses are jumping on board, recognising the potential for faster, more secure transactions with lower fees. As we move into…
Transforming Challenges Into Opportunities Cross-border payments have long been hindered by high costs, slow processing times and complex regulations. As global trade and digital commerce continue to grow, businesses face increasing pressure to improve the speed and reliability of their…
Stay Up to Date in iGaming by Monitoring These Trends The iGaming industry is rapidly changing due to emerging technologies, shifting player behaviours and expanding global reach. Trends like mobile-first gaming and AI-driven personalisation are transforming how platforms attract, retain…
Comprehensive chargeback code knowledge that prevents revenue loss Every business that accepts card payments will face chargebacks. However, understanding the specific reason codes behind each dispute determines whether you can successfully challenge them or need to accept the revenue loss.…
Explore the best options to send and accept payments in the travel industry. Cross-border payments remain a challenge in travel, with fees, delays and disconnected systems affecting both operators and customers. Traditional bank transfers can take several days to settle…
Swipe, Click or Key It In—Pick the payment tech that fits your business Choosing between a payment gateway and a virtual terminal is important when selecting the right payment processing solution. Payment gateways allow customers to enter their payment details…
Bank Redirects Are a Popular Form of Online Transaction; Here’s When to Use Them Bank redirect payments allow customers to complete purchases by logging into their online banking portal, authorising the payment, then returning to your site. This method offers…
Picking the Right Payment Partner Starts Here Businesses need to understand the difference between a merchant acquirer and a payment processor. TLDR — Merchant acquirers provide the merchant account and take on financial risk, while payment processors handle the technology…
This common type of fraud can be costly; here’s how to avoid it Friendly fraud costs global businesses over £97 billion annually, making it one of the most significant threats to modern commerce. This fraud occurs when actual customers dispute…
Uncover Where These Fees Come From and How To Reduce Them for Your Business A cross-border assessment fee is a surcharge applied by card networks when the bank that issued your customer's card operates in a different country than your…
Cross-Border Bank Transfers Can Be Complex. This Is Your Guide to Making Money Move Worldwide. Expanding your business globally can open the door to new markets, diverse customer bases and greater revenue potential. However, it also comes with real challenges—managing…
Payment Settlements Turn Sales into Usable Funds; Here’s Your Guide to the Process Payment settlement is the final step that converts a sale into funds in your account. Though it happens behind the scenes, it is vital for maintaining steady…
Easily Manage Multiple Transactions with Batch Processing Batch payment processing has become an integral tool for businesses managing multiple transactions. This system allows companies to group numerous payments and process them together at set times, rather than handling each transaction…
Disputes With Customers Can Cause Issues and Disruptions; Here’s How to Resolve Them B2C payment disputes can disrupt your business, affecting both revenue and reputation. Whether you're running an eCommerce store or a larger financial institution, dealing with disputes efficiently…
Keep Revenue Flowing and Customers Content With These Strategies Payment failures are more common than businesses realise, leading to lost revenue and eroding customer trust. Every declined card, outdated detail or technical error means missed opportunities. This guide presents nine…
Reach new markets and achieve higher conversion rates. Mobile payment acceptance is essential for businesses seeking global reach and improved conversion. These solutions improve checkout experiences, expand customer reach and reduce processing costs. International businesses face challenges due to varied…
How payment fee structures affect your revenue and customer relationships Should you charge customers extra for using credit cards or only when they choose non-standard payment channels? This decision affects your profit margins, legal compliance and customer satisfaction in ways…
Learn about the role ARNs play in payment processing An Acquirer Reference Number (ARN) is a unique 23-digit code assigned to card transactions on networks like Visa and Mastercard. It serves as a universal identifier that tracks a payment’s journey…
Lower fees, faster settlement and 24/7 processing make stablecoin payments the smart choice for revenue-focused merchants Stablecoins have shifted from crypto curiosity to a payments powerhouse. On-chain transfers reached $27.6 trillion in 2024, overtaking Visa and Mastercard's combined volume by…
Learn the Common Pitfalls That Occur When Creating This Exchange. Launching a crypto exchange offers opportunities but comes with significant challenges. As the market grows, so does the complexity, from technical infrastructure to financial regulations. Building a successful platform demands…
Learn How and When to Use Each Type of Infrastructure. Understanding the distinct roles of card networks and payment processors is critical for managing business costs, optimising approval rates and improving customer experience. This knowledge is even more important when…
What You Need to Know About Pix and Its Role in Brazilian Payments Pix is Brazil's revolutionary instant payment system that has completely changed how Brazilians pay for things. Launched in 2020 by the Central Bank of Brazil, over 140…
Build trust with your customers and increase conversion rates As global commerce grows, multi-currency payment processing becomes essential for businesses serving international customers. Offering payment in local currencies builds trust, reduces cart abandonment and increases conversion rates. Multi-currency processing means…
Stay updated on the current trends in cross-border payments. Traditional payment systems are quickly being replaced by faster, more innovative digital alternatives. The value of cross-border payments is projected to increase to $250 trillion by 2027, up from $150 trillion…
Prioritising Cross-Border Payments That Are Fast, Cost-Effective and Simple Will Save Your Business Despite advances in technology, cross-border payments remain costly, slow, and complex compared to domestic transactions. High transaction fees cut into margins, settlement delays strain cash flow and…
A card issuer is a financial institution, such as a bank, credit union or fintech company, that provides payment cards to consumers and businesses. The issuer's responsibilities go beyond simply printing cards. Issuers assess creditworthiness and decide whether to approve…
Moving Money Across Countries, Currencies and Channels with Payment Rails Payment rails move money from point A to point B, quietly powering commerce across borders and currencies. For businesses, payment rails affect how quickly you get paid, how much you…
When someone clicks the "Buy Now" button on your ecommerce site, the ecommerce merchant processing begins. In seconds, payment information moves through checkpoints, gets verified, and either approves the transaction or sends back a declined message. This process affects customer…
Modern payment API infrastructure can reduce back-office work and improve payment experiences for merchants and customers. Here’s everything you need to know Payment infrastructure has shifted from a back-office utility to a revenue lever. Miss a beat at checkout? Your…
Expanding into new markets means adapting to local preferences and payment methods are a part of that. Offering the right payment options helps you connect with customers and build trust in unfamiliar markets. Different regions have distinct payment habits that…
What Are the Best Ways to Accept International Payments As a Business? Expanding internationally means seizing new opportunities, and getting paid quickly and reliably accelerates the process. Accepting payments across borders can be challenging, with high fees, currency conversions and…
The Different Types of International Remittances Explained Moving money across borders is a vital part of global finance. Whether it’s individuals sending funds to family or businesses paying international vendors, remittances connect economies and support livelihoods worldwide. Understanding the different…
Multi-currency payment processing platforms can simplify your business operations. Accepting payments from customers around the world is a necessity. But accepting international payments brings challenges: currency conversion, cross-border fees and slow settlement times. These issues can chip away at your…
Here’s what travel agencies should look for in a payment gateway Travel agencies face unique challenges in payment processing. You're dealing with international customers, high transaction values, frequent booking modifications and complex refund scenarios, all while fighting against sophisticated travel…
Travel agency merchant accounts allow businesses to process and accept payments. Travel agencies fall under more scrutiny from payment processors. Extended booking timeframes, high transaction values and vulnerability to disruptions, creates unique hurdles when seeking favourable merchant services. That's why…
Cross-border payments in gaming allow companies to reach players worldwide, handling transactions across currencies and jurisdictions. As gaming becomes more interconnected, processing these payments efficiently and securely determines whether a platform thrives or struggles. Cross-border payment solutions directly affect a…
Payment processing can make or break your gaming platform. Because players leave when they can't complete purchases or withdraw funds. Gaming platforms face unique payments challenges: card testing, account takeovers, and chargeback fraud. These hurt your bottom line, damage player…
What’s the Best Way to Deal with Payment Disputes? No matter how easy your payment system is or how strong your customer relationships are, payment disputes are an inevitable part of doing business. Whether it's a chargeback, a billing error,…
As businesses expand beyond borders, the ability to handle transactions in multiple currencies has become requisite. Whether you're working with international clients, suppliers, or partners, dealing with different currencies is inevitable. Efficiently managing foreign exchange for multi-currency transactions allows businesses…
SEPA transfers have significantly improved payment systems in the EU. Before this system, sending money across European borders was expensive, slow and needlessly complicated. Today, SEPA connects 36 countries and helps businesses of all sizes operate more smoothly across Europe,…
When you send money across borders, it’s not as simple as pressing “transfer” and waiting for the funds to arrive. Behind every international payment is a complex web of banking relationships, and two key players you may not even realise…
Card-not-present transactions are now a routine part of doing business online. But with convenience comes added risk. Without the cardholder present, fraud becomes easier and costs can quickly add up. This article breaks down why these transactions carry higher risk,…
Understanding the difference between chargeback vs refund will protect your revenue and reputation. This article explains how each process works, what it means for your bottom line and why encouraging direct refunds over bank disputes can save you time, money…
Payment processing for the travel industry presents unique challenges that few other sectors encounter. With transactions that are typically high-value, cross-border, and often booked months in advance, travel businesses must navigate a complex web of regulations, currency conversions and evolving…
International payments remain one of the trickiest aspects of global commerce. Transfers can take days to complete, and fees chip away at what your recipient actually gets. And it gets more complex when faced with terminology like telegraphic transfer vs…
If you’re looking to accept payments online, you may see a payment API referred to as a “payment gateway API” because it allows your businesses to integrate payments seamlessly into your sites, apps and systems. A payment gateway API is…
SWIFT has been the backbone of international banking for decades. This messaging network helps banks worldwide send and receive financial information securely. But today, many businesses are seeking a SWIFT alternative due to its limitations. The current SWIFT system creates…