Articles & insights
Guides, playbooks and product thinking on SEPA payments, virtual IBANs and embedded finance. Written for the people who build and run payment operations.
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How embedded finance quietly became a revenue line
Payments used to be a cost center. For platforms that own the money flow, it is now one of the highest-margin things they ship.
PSD2 to PSD3: the compliance shifts that actually matter
Skip the legal recap. These are the four changes that will touch your onboarding, your data and your payment flows in practice.
Assigning local IBANs without an e-money license
How platforms give every customer a real account number while smartIBAN carries the license, the compliance and the banking rails underneath.
A field guide to payment reconciliation at scale
The patterns, the edge cases and the automation that separate teams closing books in an hour from teams losing a week to it.
Why marketplaces lose money on manual payouts
Batch files, IBAN typos and support tickets add up fast. A breakdown of where payout costs hide and how to design them away.
KYC that does not wreck your onboarding funnel
Verification and conversion pull in opposite directions. Here is how to keep both, with a risk-based flow that adapts to the customer.
The real cost of building payment infrastructure in-house
Licenses, banking partners, compliance headcount and the multi-year timeline nobody puts in the first business case.
What we shipped this quarter: multi-currency wallets and more
New wallet currencies, faster IBAN provisioning and a rebuilt reconciliation view. A quick tour of what changed and why.
Instant settlement changes how you price your product
When money lands in seconds, float disappears and pricing assumptions break. What instant rails mean for your unit economics.