All briefings
Articles — Page 5
216 briefings on payments, fintech, and AI money infrastructure.
Settlement Data Ingestion and Normalisation Across Multiple PSPs
Building one canonical settlement dataset from N PSPs: schema design, reconciliation keys, idempotent ingestion, corrected files, and event-vs-file conflicts.
August 22, 2026
Card Credential Lifecycle: What Actually Keeps a Stored Card Working
Account Updater doesn't guarantee stored cards keep working. Issuer participation is optional and coverage is partial — most operators over-assume it.
August 21, 2026
Card Issuing and BIN Sponsorship: The Operator's Guide to Program Management
BIN sponsorship, issuer-processors, and program economics from the issuing seat: who is liable, how interchange works, and the terms that decide your exit.
August 21, 2026
Card-Present Payment Architecture: The Omnichannel Reconciliation Problem
Online, every transaction authorises live. In-store, a terminal can approve with no connection at all — what changes for fraud, PCI scope, reconciliation
August 21, 2026
Chargeback Evidence and Representment: The Operator Reference by Dispute Scenario
What evidence to assemble for fraud, non-receipt, not-as-described, cancellation, duplicate, and credit-not-processed chargebacks — and in what order.
August 21, 2026
Payment Aggregator Licence in India: What RBI's 2025 Directions Actually Require
RBI consolidated India's payment aggregator rules into one regime in September 2025 — three categories, net worth, escrow, and who needs to apply.
August 21, 2026
Interchange Regulation by Market: What the Caps Actually Cover
Interchange caps in the EU, UK, US, Australia, Brazil, and India work differently. Cross-border, commercial cards, and scheme fees usually sit outside the cap.
August 21, 2026
Payment Licensing in Mexico: IFPE, ITF, and Local Acquiring Under CNBV and Banxico
Mexico splits payment licensing into IFPE, ITF, and a separate acquirer/aggregator track. CNBV/Banxico capital, timelines, and IVA rules explained.
August 21, 2026
MID Lifecycle Operations: Opening, Amending, Migrating, and Closing Merchant IDs
How to open, amend, migrate, and close merchant IDs without breaking settlement, losing processing history, or tripping scheme dispute-monitoring thresholds.
August 21, 2026
Multi-Entity, Multi-MID Payment Architecture: Designing Merchant ID Structure
How MID structure — per brand, country, entity, or channel — shapes settlement, reconciliation, descriptors, and the scheme ratios gating chargeback exposure.
August 21, 2026