Category Archives: Payments
What Is Payment Orchestration? Definition, Benefits, and Examples
Payment orchestration is the layer that sits between your checkout and your payment processors — routing transactions intelligently, retrying failed payments, and giving you a single integration point to manage multiple acquirers, gateways and fraud tools. It has become one of the most important infrastructure decisions for any eCommerce business processing significant volume. Why Payment…
What Is Open Banking? A Payments Product Manager’s Guide
Open banking is the regulatory and technical framework that requires banks to share customer financial data — with the customer’s consent — with third-party providers via standardised APIs. It is the foundation of a new generation of payment products, from account-to-account payments that bypass card networks to personal finance tools that aggregate data across multiple…
ISO 20022 Explained: Why Payments Product Managers Should Care
ISO 20022 is a global messaging standard for financial services — a common language for payments systems to communicate with each other. It is replacing the legacy SWIFT MT message format and is being adopted across CHAPS, SEPA, Fedwire, CHIPS and other major payment rails worldwide. For payments product managers, it is one of the…
A2A Payments and the Challenge of Replacing Cards
A2A payments are gaining momentum, but replacing cards requires more than lower costs. Trust, protection, rewards, habits, and infrastructure still matter.
Fraud Declines vs. No-Fraud Declines
Fraud declines vs. no-fraud declines: why false declines quietly cost merchants revenue and how better risk decisions protect legitimate customers.
Payment Processing Fees in 2026: Who Gets Paid and How Much
A practical breakdown of payment processing fees, interchange, assessments, processor markup, and who earns money on each card transaction.
Network Tokenization vs. Vendor Tokenization
Network tokenization vs. vendor tokenization: how each model protects payment data, where they differ, and why token strategy affects security, card lifecycle, and approvals.
What Is a Payment Facilitator?
A clear explanation of payment facilitators, how PayFac models work, who uses them, and why they matter for merchants and payment platforms.
What Is a Chargeback and How Can Merchants Prevent It?
Learn what a chargeback is, why card disputes happen, and how merchants can reduce chargeback risk through better operations, fraud controls, and evidence management.
What Is a Payment Gateway and What Does It Do?
A plain-language guide to payment gateways, how they route transactions, and the role they play between merchants, processors, and card networks.