All briefings
Articles — Page 9
143 briefings on payments, fintech, and AI money infrastructure.
FX Markup Economics: How Cross-Currency Acceptance Quietly Eats Margin
FX markup on international card acceptance is rarely disclosed but often the largest variable cost. What drives the spread and how to negotiate it down.
April 24, 2026
India's RBI Card Tokenization Mandate: What Payment Operators Must Know
RBI's card-on-file tokenization rules ended raw PAN storage in India. How network tokenization works for recurring payments and aggregator compliance.
April 23, 2026
MiCA, MAS, and the GENIUS Act: Stablecoin Regulatory Triangle
MiCA, MAS, and the GENIUS Act define payment stablecoin compliance across the major jurisdictions. Overlap, divergence, and cross-border operator implications.
April 22, 2026
Authorization Optimization: The Hidden Margin in Card Acceptance
1% auth rate uplift on $1B GMV recovers $10M. Most merchants leave it on the table. Network tokens, intelligent retries, BIN routing, soft-decline recovery.
April 21, 2026
How CBDC Pilots Are Reshaping Payment Infrastructure
e-CNY has processed $986 billion in transactions. mBridge reached Minimum Viable Product in 2024. The digital euro is in preparation phase. Here's what.
April 21, 2026
Vietnam's Payment Rails: VietQR, NAPAS 247, and What Operators Need to Know
Vietnam's NAPAS 247 instant rail and VietQR standard are maturing fast, but foreign operators need an SBV intermediary license or a licensed local partner.
April 21, 2026
PromptPay and the Rise of Real-Time Rails Across Southeast Asia
How Thailand's PromptPay became the blueprint for instant payment infrastructure across Southeast Asia, and what other markets can learn from its.
April 20, 2026
Sanctions Screening: OFAC, EU, and UN Lists and the Dynamic Risk Layer
Strict liability, not a compliance warning. How OFAC, EU, and UN sanctions list screening works, where the gaps appear, and how to build a defensible programme.
April 20, 2026
EU Instant Payments Regulation: The Compliance Timeline Every Operator Needs
Regulation (EU) 2024/886 makes euro PSPs offer instant credit transfers at standard prices with IBAN/name checks. The full operator compliance timeline.
April 19, 2026
Surcharging and Convenience Fees: Legal, Operational, Margin Reality
Surcharging and convenience fees: what each is, where each is permitted, how to implement within scheme rules, and whether the margin math actually works.
April 19, 2026