All briefings
Articles — Page 12
216 briefings on payments, fintech, and AI money infrastructure.
AI-Powered Payment Routing: How ML Replaced the Static Routing Table
Static routing rules freeze yesterday's PSP performance. ML routing learns from authorization outcomes to continuously optimise cost, auth rate, and latency.
May 12, 2026
EU AI Act and Payment Systems: High-Risk vs Limited-Risk Use Cases
The EU AI Act is live. Fraud scoring is not automatically high-risk; BNPL credit scoring likely is. Correct classification for every major payment AI use case.
May 12, 2026
Multi-Acquirer Routing: When and How to Add a Second PSP
Multi-acquirer routing is a tactic; orchestration is the infrastructure enabling it. When to use both, what routing strategies work, and the hidden complexity.
May 12, 2026
Network Tokens vs PSP Tokens: When Each Wins
Visa VTS and Mastercard MDES tokens are portable and auto-update; PSP tokens are processor-locked. Auth-rate and portability trade-offs for multi-PSP operators.
May 12, 2026
14 PSP Contract Red Flags That Cost Merchants Millions
The PSP contract clauses most operators sign without reading: the terms that shift liability, lock up cash, limit exit options, and cost more than expected.
May 12, 2026
MoR vs PSP: When the Premium Beats Doing It Yourself
MoR vs PSP: who owns tax remittance and chargeback liability, and when direct PSP beats paying the MoR premium. Decision framework for digital and SaaS sellers.
May 11, 2026
Scheme Chargeback Rules 2026: Visa VCR, Mastercard, and Reason Codes
Visa VAMP threshold now 1.5%, CE 3.0 fee added April 2026. Mastercard tightened arbitration and reason codes. Updated 2026 dispute map for both schemes.
May 11, 2026
LLMs in AML Transaction Monitoring: What Operators Can Deploy Today
90–95% TM false positives. LLMs as the third layer: alert triage, SAR drafting, investigator support. Production stack and regulatory constraints.
May 10, 2026
MoR to Direct PSP Migration: A Phased Operator Playbook
Plan a MoR-to-direct PSP migration around tax obligations, credential transfer, subscription continuity, B2B invoices and dispute ownership.
May 10, 2026
Pix vs UPI vs SPEI vs PromptPay: Real-Time Rail Economics Compared
Compare Pix, UPI, SPEI, and PromptPay across confirmation speed, settlement, identifiers, risk controls, and operator trade-offs.
May 10, 2026