All briefings
Articles — Page 6
216 briefings on payments, fintech, and AI money infrastructure.
SCA Exemption Strategy: The Operator Playbook for TRA, Low-Value, and Trusted Beneficiary
How to request SCA exemptions issuers actually honor: exemption indicator mechanics, TRA fraud-rate bands, soft-decline recovery, and why requests get ignored.
August 21, 2026
Wallet Funding, Float, and Stored-Value Operations
Wallets are accepted everywhere as a payment method. Here's the other side: how they're funded, who holds the float, and what safeguarding actually requires.
August 21, 2026
A2A Merchant Acceptance Architecture: What to Build, What Carries Over
What a merchant must actually build integrating Pix, UPI, PayNow, PromptPay, and SEPA Instant — and what's portable from one A2A rail to the next.
August 20, 2026
PSP Licensing and Local Acquiring in Brazil: The Operator Guide
There's no single 'PSP licence' in Brazil — the category you need depends on the service you perform. Credenciador, subcredenciadora, IP, arranjo, explained.
August 20, 2026
Failed Payment Recovery: Retry Decisioning After a Declined Charge
A declined recurring charge is a decisioning problem: which codes to retry, on what schedule, what to change first, and when to stop trying.
August 20, 2026
Merchant Payout Treasury Operations: Funding the Float Without Liquidity Gaps
How to fund payouts across markets without liquidity gaps: prefunding vs JIT, buffer sizing, cut-offs, safeguarding separation, and forecasting.
August 20, 2026
MT103 Field-by-Field: The Operator Reference
Field-by-field MT103 reference: mandatory/optional status, format specs, and failure modes for fields 20 through 77T, plus MT103 vs MT103+ vs REMIT.
August 20, 2026
pain.001 and pain.002: The Payment Initiation and Status Reference
pain.001 and pain.002 explained for payment operators: message structure, the pain.002 status-code lifecycle, the pacs.008 handoff, and MT101/CBPR+ migration.
August 20, 2026
Terminal Estate Operations: Running a POS Fleet After Integration Is Done
Integration is a one-time project. Running hundreds of live terminals — provisioning, firmware, keys, tamper events, RMA — is a permanent operating discipline.
August 18, 2026
camt.052, camt.053 and camt.054: The Account Reporting Operator Reference
Operator reference for camt.052 (intraday report), camt.053 (end-of-day statement), and camt.054 (debit/credit notification): structure and reconciliation use.
July 24, 2026