Business services
Hosted payment page vs host-to-host integration: which checkout fits your business?
Every e-commerce merchant, SaaS founder, and digital business owner knows the sting of cart abandonment. You spend thousands on marketing, carefully optimize your product pages, and guide the user down the funnel – only for them to bounce at the final step. Often, the culprit is a disjointed, slow, or untrustworthy payment process. The architecture of your checkout flow plays a massive role in consumer trust, technical overhead, and bottom-line revenue. When setting up your digital payment infrastructure, the decision usually boils down to two primary architectural models: implementing a hosted payment page or building a custom host-to-host integration (self-hosted
Business services
SWIFT vs. SEPA Instant for business transfers: costs, speed, coverage
Why is this question pretty constant among clients? The truth is, it is usually caused by different issues people face when making transfers: overpaid fees out of nowhere, a payment that got lost and was found a week later, an intermediate cut in a transaction from a bank you never heard of, or an instant transfer that was not as instant as advertised. These are real-life stories, and understanding SWIFT vs. SEPA Instant for business transfers means understanding where those problems appear and why they can be slightly confusing. Our team wants to give you a closer look at how
Business services
Merchant account vs payment gateway: what does your business actually need?
Setting up online payment acceptance often feels like navigating an alphabet soup of fintech jargon. You hear terms like acquiring banks, payment rails, settlement windows, and processing fees thrown around interchangeably. Two components that cause the most confusion for growing businesses are merchant accounts and payment gateways. While many operators assume these terms refer to the same tool, they handle completely different responsibilities in the payment lifecycle. Navigating the merchant account vs. payment gateway landscape is essential to optimizing your checkout experience, keeping transaction costs low, and maintaining a healthy operational cash flow. Decoding online payment infrastructure: the short answer
Business services
Payment infrastructure for MGA-licensed iGaming operators: scaling payouts and cross-border operations
A Malta Gaming Authority license, or simply MGA, is one of the most established online gaming licenses in Europe. Malta has built a large regulated iGaming sector, but an MGA license does not automatically allow an operator to offer gambling services across every European market. Depending on the country, additional local licenses or approvals may be required. But holding the license is only half the job. The moment a platform starts processing real deposits, real withdrawals, and player balances across multiple currencies, MGA iGaming payment processing becomes more complicated. Payment infrastructure for MGA-licensed iGaming operators is not so simple. Gambling
Business services
Multi-currency business account: hold 12 currencies, settle card payments in EUR
Growing a business internationally is an exciting milestone. You get to tap into new markets, hire talent worldwide, and serve customers across different continents. But as your customer base expands, managing your financial logistics across borders can get a bit complicated. Accepting payments in multiple currencies and paying international vendors often leads to double currency conversions, unpredictable bank fees, and messy accounting. To protect your margins and keep your treasury organized, combining a multi-currency business account where you can hold 12 currencies with a straightforward setup to settle card payments in EUR gives you full control over your global money
Business services
Choosing a card acquirer in the EEA: questions to ask before you sign
There are many options when it comes to card acquirers if you’re running an e-commerce business or just scaling your business across Europe. Usually, the card acquirer is evaluated based on three things: how much you keep after every transaction, how fast that money hits your account, and how many customers actually complete the checkout. Yet many businesses care only about headline processing rates. The common story for them is to sign a multi-year contract, and only discover the real costs are hidden in reserve holdbacks, FX markups, or that a provider doesn’t offer a compatible settlement speed for merchants.
Business services
Merchant accounts for travel agencies: seasonal bookings and cross-border payments
Running a travel agency, tour platform, or online booking portal is an exciting business. You connect travelers with memorable experiences across the globe. But behind the scenes, managing the money flow for global bookings is far from simple. Travel businesses operate in a unique financial landscape. From sudden seasonal booking surges to high chargeback risks caused by long lead times between booking and travel, traditional acquiring banks often view the travel sector as high risk. When you combine those challenges with foreign card declines and heavy currency exchange fees, everyday payment processing can quickly eat into your profits. A special
Business services
Getting approved as a high-risk merchant in the EEA: what underwriters actually check
Being treated as a high-risk business by a payment provider can already make onboarding more complex, but getting rejected when applying for a high-risk merchant account is probably a whole other experience. Before you apply for a high-risk merchant account with an EEA provider, it is worth understanding what usually goes wrong and why businesses in the same industry can receive different outcomes. The quality of their documentation can make a difference, but providers also consider factors such as ownership, operating countries, processing history, transaction volumes and the overall business model. Many factors can improve or weaken your application. A
Business services
Chargeback prevention for high-risk merchants: practical strategies that work
Running a business in high-risk e-commerce, iGaming, SaaS, or digital services is an exciting journey – but it comes with its fair share of bumps in the road. Among them, chargebacks are arguably the biggest headache for merchant owners. At Genome, our team stays in touch with international founders and financial managers, and we know how frustrating it is to see hard-earned revenue tied up in payment disputes. Not to mention the anticipation that elevated dispute rates might jeopardize your payment processing setup altogether. The good news? You don’t have to stay on the defensive. Today our team has prepared