All briefings
Articles — Page 2
216 briefings on payments, fintech, and AI money infrastructure.
When the Acquirer Statement Is Wrong: The Notice Deadlines That Can End the Claim
Acquirer and PSP agreements set contractual deadlines to object to a statement — 30 to 60 days, on different triggers, with different consequences.
September 2, 2026
Payment Link Operations: The Link Is Not the Payment, and It Is Not the Order
A payment link is a separate object from the payment and the order. Link state, expiry and revocation across Stripe, Adyen, Checkout.com and GOV.UK Pay.
September 2, 2026
Zero-Value Authorization: What the Issuer Actually Verifies, and What an Approval Does Not Prove
Visa's account verification is a zero-amount check that a card is valid and not lost or stolen. What 00 vs 85 means, the stored-credential mandate, and limits.
September 2, 2026
VAT and GST on PSP Fees: Why 'Payment Fee' Is Not a Tax Classification
Are PSP fees taxable, exempt or reverse-charged? The UK applies a functional test from CJEU case law; Singapore's statute names the acquirer-merchant leg.
September 1, 2026
Weekend and Holiday Payment Settlement: What Actually Stops, and What Doesn't
What settles on weekends and holidays, per rail: FedACH banking days, FedNow cycle days, RTP prefunding, TIPS vs T2, card clearing, and PSP payouts.
September 1, 2026
Canada RPAA PSP Registration: An Operator Reference
Who must register with the Bank of Canada under the Retail Payment Activities Act, what the application requires, and the obligations that follow registration.
August 31, 2026
Request for Payment on RTP and FedNow: An Operator Reference
What Request for Payment is on RTP and FedNow, legitimate uses, the message lifecycle, warranty obligations, and what operators should build.
August 31, 2026
Wero and the iDEAL Migration: An Operator Reference
The iDEAL | Wero plan separates branding from technical migration. Check the qualified end-2027 target and provider-specific merchant requirements.
August 31, 2026
Acquirer Credit Risk on Delayed-Delivery Merchants: An Operator Reference
How future-delivery merchants create acquirer credit exposure, how banks size it under OCC guidance, and what reserves and monitoring follow.
August 30, 2026
SEPA Mandate Amendment and Migration: What Survives a Change of PSP, Creditor ID or Entity
The SDD Core rulebook lets a creditor amend mandates without re-signing. Which changes need an amendment, which need nothing, and how the data travels.
August 30, 2026