All briefings
Articles — Page 6
143 briefings on payments, fintech, and AI money infrastructure.
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: VDMP/VFMP retired March 2025, CE 3.0 live October 2025. Mastercard: tightened arbitration, consolidated reason codes. Full 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 Migration Playbook: Paddle, Polar, Lemon Squeezy to Direct PSP
A 6-12 month migration playbook covering tax registration sequencing, subscription re-authorisation, invoice continuity, chargeback policy transition.
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
AI Chargeback Representment Automation: What Actually Works in 2026
The global chargeback burden hit $33.8B in 2025, but merchants net only 8.1% on representment. Here's where AI automation changes the math and where it doesn't.
May 9, 2026