Business services
Merchant accounts for digital goods and online services: managing risk and instant delivery
Business services
Demystifying PCI DSS for merchants: what you actually need depending on your integration
Business services
What to look for in a European payment provider before you integrate
Business services
What happens to your money between a card payment and your account
Business services
3D Secure and SCA: how authentication affects approval rates
Strong customer authentication is not a zero-sum game where higher security must come at the expense of lower conversions – that is simply not how modern payment processing works. Take the EU as a prime example: card payment processing in Europe is heavily regulated and requires strict security protocols, making it an ideal environment to see how a strong customer authentication approval rate directly impacts merchant performance. The short version? While early regulatory rollouts triggered reports of sudden conversion drops, optimized payment setups now regularly achieve high authorization recovery after addressing initial challenges with 3D Secure and SCA approval rates.
Business services
Merchant accounts for digital goods and online services: managing risk and instant delivery
Selling non-physical products is a newer form of selling in general, presenting unique challenges. Primarily, you need to deal with the buyers’ expectations. Because your product exists in a digital form, people expect to access it immediately after purchasing, whether it is downloadable software, digital media, e-learning courses, or SaaS platform tools. To be able to deliver on your promises to customers as soon as possible, you need a payment infrastructure that can support fast international payments. You also require a merchant account for digital goods, which can help you protect your revenue, eliminate checkout friction, and scale across borders
Business services
Demystifying PCI DSS for merchants: what you actually need depending on your integration
When it comes to accepting credit card payments online, PCI DSS for merchants is one of the most frequently misunderstood topics in the e-commerce industry. Business owners, CTOs, and payment operations managers often assume it is a strict government law or statutory regulation. In reality, the Payment Card Industry Data Security Standard (PCI DSS) is an industry security standard established by the major payment card schemes: Visa, Mastercard, American Express, Discover, and JCB. It is governed and maintained by the independent body known as the PCI Security Standards Council (PCI SSC). Because it is not a legal statute, you will
Business services
What to look for in a European payment provider before you integrate
Selecting a payment provider is one of the most critical operational decisions for an online business, scale-up, or enterprise platform. European businesses lean more toward choosing a European payment provider as their primary choice. But the payment landscape in the EU is unique: it is controlled by strict, evolving regulations like PSD2 and DORA, and payment infrastructure has been fragmented until recent political decisions to achieve sovereignty in the European payment landscape. Today, we’re seeing a rapid shift from card networks, which are mostly of non-European origin, to real-time account-to-account (A2A) payments. How to choose the right partner in this
