Insights
Expert insights, industry trends, and practical guides for fintech professionals
Should Marketplace Sellers Access the PSP Dashboard or Platform Portal?
Learn how marketplaces should decide between PSP dashboards and platform portals, and how merchant access impacts payments, integration, and scalability.
Split Payments: How to Determine If Your Marketplace or Platform Needs to Route Funds to Multiple Recipients
Split payments are one of the most consequential architectural decisions for any marketplace or platform business, yet many companies only confront the question after their payment volume has already outgrown the wrong setup. Determining whether your business model requires split payments — and how funds should be routed to multiple recipients — affects compliance scope, technical integration effort, cash flow control, and long-term scalability.
Who will gatekeep agentic commerce? From search and discovery to AI agents and wallets
Originally published by The Paypers and authored by Milko Filipov from reMonetary, this article explores the transition from traditional customer journeys to agent-mediated commerce and examines the evolving role of wallets, payments, and trust in the AI-driven economy.
When Software Can Pay: What Coinbase’s Agentic Wallets Mean for the Future of Payments
Coinbase has announced the launch of Agentic Wallets, a new wallet infrastructure designed to allow AI agents to autonomously execute financial transactions. This article analyses what Coinbase has released, why it matters for the payments industry, and how it reshapes long-standing assumptions about who can initiate, execute, and settle payments.
Handling Regulatory Changes and Updating Merchant KYC/KYB Data in Platforms and Marketplaces
For platforms and marketplaces that onboard merchants or sellers, KYC (Know Your Customer) and KYB (Know Your Business) verification is not a one-time activity. Regulatory requirements evolve, merchant information changes, and financial authorities regularly introduce new compliance obligations. As a result, platforms must ensure that merchant data remains accurate and up to date throughout the entire lifecycle of the seller relationship.
Merchant Onboarding and KYC/KYB in Platforms and Marketplaces: Who Should Be Responsible?
For platforms and marketplaces, deciding who is responsible for merchant or seller onboarding and the related KYC/KYB verification processes is a critical architectural decision. Merchant onboarding is not only a compliance requirement but also a strategic component of marketplace design that affects user experience, scalability, geographic expansion, operational costs, and the technical integration with payment infrastructure.
How Responsibility for Merchant Onboarding and KYC/KYB Shapes Platform and Marketplace Payment Architecture
For platforms and marketplaces, deciding who is responsible for merchant or seller onboarding—including KYC/KYB data collection and verification—is a core structural decision in payment architecture.
How Refund and Chargeback Liability Shapes Platform and Marketplace Payment Strategy
For platforms and marketplaces, defining who is liable for refunds and chargebacks is one of the most critical yet underestimated payment decisions. Refund and chargeback liability directly affects financial risk exposure, operational complexity, compliance responsibilities, and how trust is established between buyers, sellers, and the platform itself.
How Control of Customer Funds Shapes Platform and Marketplace Payment Architecture
For platforms and marketplaces, the question of control of customer funds is one of the most consequential payment design decisions. Whether a platform holds customer funds, controls settlement timing, or simply routes payments directly to sellers fundamentally affects compliance exposure, business responsibility, technical integration, and how the platform is perceived by users.
How Billing Frequency Impacts Subscription Payments, Revenue Operations, and Customer Retention
For subscription-based businesses, billing frequency is one of the most influential but least examined design decisions. Monthly, quarterly, annual, or custom billing intervals are often discussed as pricing or sales levers, yet they fundamentally shape payment integration, subscription management, revenue recognition, reconciliation, and customer lifecycle behavior.
How Card Payment Pricing Models Impact Merchant Costs, PSP Selection, and Payment Integration
Understanding how card payment processing fees are structured is a critical consideration for merchants and marketplaces. The choice between interchange-plus, blended, or hybrid pricing models directly impacts transaction costs, reporting transparency, and operational efficiency.
How Allowed Seller Legal Entity Types Shape Marketplace Payments and Onboarding Architecture
The types of legal entities allowed to sell on a platform or marketplace are a foundational design choice that directly impacts payment integration, merchant onboarding complexity, and long-term scalability.
How Merchant Onboarding Models Shape Platform Scalability and Payment Integration Design
How sellers are onboarded determines not only operational effort and time-to-revenue, but also the scalability of the platform, the flexibility of the payment architecture, and the long-term feasibility of international expansion.
How Merchant Onboarding Scale Shapes Payment Integration and PSP Selection
For platforms and marketplaces, merchant onboarding is often discussed as an operational task, but at scale it becomes a defining element of payment architecture. The number of merchants a platform plans to onboard directly affects payment integration design, PSP selection, internal tooling requirements, and the ability to expand across countries.
How Merchant Risk Profile Shapes Payment Integration and PSP Selection
The merchant risk profile is a critical factor in designing payment integrations and selecting suitable PSPs. Whether a business operates in a high-risk industry, maintains a moderate-risk payment profile, or functions as a low-risk enterprise, this classification affects PSP acceptance, integration complexity, fraud management, compliance requirements, and overall cost.
How Payment Acceptance Channels Shape Payment Integration Design and PSP Selection
Where payments are accepted is one of the most consequential yet underestimated design decisions in any payment strategy. Whether payments are taken online, in-person, or across both channels directly influences system architecture, integration complexity, provider selection, compliance scope, and cost structure.
How End-Customer Type Shapes Payment Integration Design, PSP Selection, and Payment Costs
Whether a company serves business customers, consumers, or a combination of both directly influences integration architecture, payment service provider selection, functional scope, cost structure, and long-term scalability.
How Payment Models Define Your Payment Integration and Payment Stack
Choosing how you charge customers is one of the most important decisions in payment integration design. Payment models determine how revenue is collected, how often transactions occur, and how payments interact with internal systems.
From Product Type to Payment Flow: Designing the Right Payment Integration
Before selecting a payment service provider, designing checkout flows, or integrating payment APIs, businesses must answer a fundamental question: What type of products or services does your business offer?
Streamlining Payment Reconciliation: Integrating PSP Data Across Business Systems
Payment reconciliation is a critical process for businesses managing multiple payment streams. Integrating PSP data into business systems ensures transparency, reduces errors, and supports efficient financial operations.
Merchant Models in Payments: How Fund Flows Shape Business Design
Whether a business operates as a single merchant, a marketplace, or a platform has far-reaching implications for how money moves, who carries risk, and how scalable the business can become.
The Merchant of Record: A Hidden but Powerful Concept in Payments
For many digital businesses, the Merchant of Record can make the difference between struggling with regulatory complexity and expanding internationally with confidence.
Agentic Commerce is Here: How PSPs Must Adapt to the Semi-Autonomous Payment Era
As AI agents reshape purchasing journeys, payment service providers face a critical transition window to modernize, integrate with emerging protocols, and secure their role in the new commerce paradigm.
The EUDI Wallet: Europe's Most Ambitious Digital Identity Project
Europe is on the verge of introducing one of its most transformative digital innovations: the European Digital Identity Wallet. Explore how the EUDI Wallet will consolidate identity documents, driver's licenses, diplomas, and credentials into a single secure application.
Adyen and Agentic Commerce: Building the Rails for the Next Era of Digital Payments
As conversational interfaces mature and autonomous AI assistants become embedded in everyday devices, commerce is shifting from a model driven by human clicks to one guided by delegated intention. Explore how Adyen is building the merchant-first foundation for agentic commerce.
Why Voice, Chat, and AI-Driven Interactions Are Becoming the New Front End of Digital Payments
Digital payments are entering a new era—one where users don't fill out forms or navigate complex app screens, but simply talk. Explore the rise of conversational payments and the risks leaders must prepare for.
The Rise of Agentic Commerce: How AI Agents Are Rewriting the E-Commerce Playbook
Explore how autonomous AI agents are transforming e-commerce, from supply-side selling to demand-side procurement, KYC for AI, and new payment infrastructures powering the next generation of digital commerce.
Why AI Is a Natural Fit for the Payments Industry
Discover the core characteristics of payments that make AI not just beneficial, but increasingly indispensable. From real-time decision-making to massive data volumes, learn why payments and AI are a perfect match.
Understanding the Transaction Flow: How Crypto PSPs Drive Adoption of Crypto and Stablecoin Payments
Explore how transaction flows work across different custody and settlement models. Learn about self-custody, custodial wallets, and fiat settlement options to match your crypto acceptance strategy to your business needs.
Accepting Stablecoin and Crypto Payments: What Merchants Need to Know About Settlement
Settlement choices shape financial stability and treasury efficiency. Understand crypto-to-fiat, crypto-to-crypto, and flexible settlement models to make informed decisions about accepting digital asset payments.
Behind the Vault: How Custodial Infrastructure Powers Crypto and Stablecoin Payments
Explore the critical role of custodial infrastructure in crypto payments. Learn about self-managed, third-party, and hybrid custody models, and discover how major payment companies are shaping the future of digital asset management.
How Crypto PSPs Accelerate Business Adoption of Cryptocurrency Payments — And Why They Matter
Discover how Crypto Payment Service Providers are bridging the gap between traditional finance and cryptocurrency payments, making crypto adoption viable for businesses worldwide.