The Forgotten Element of Payment Orchestration: Real-Time Ledgers

The Forgotten Element of Payment Orchestration: Real-Time Ledgers

What is “real-time” data?  Due to the technical requirements to satisfy a complex global payments platform, Payments Orchestration is a concept that is here to stay. As depicted in the white paper: The Payments Orchestration Layer: Necessary functionality in the...
Fitting 3D-Secure with Payments Architecture

Fitting 3D-Secure with Payments Architecture

Fitting 3D-Secure with payments architecture This post is not an explainer about 3D-Secure 2.X (3DS2). If you are looking for a better understanding of this topic before diving in, here’s a list of resources that we’ve curated to answer the following questions:  What...
An ID fraudsters can’t shake: Device Identification & Reputation

An ID fraudsters can’t shake: Device Identification & Reputation

In the ongoing game of cat and mouse between fraudsters and organizations with an online presence, two forces are paramount: preventing fraud while also minimizing friction for the user. Add too many steps in the user’s authentication process, they’ll drop off. Which...
The Benefits of Running Pay-Ins and Pay-Outs Through the Same Service

The Benefits of Running Pay-Ins and Pay-Outs Through the Same Service

“I came across this portion of code and everyone avoids it, it’s called payments.”-Joel Taylor, Where’s My Money? Presented at PaymentsFN 2020 The more I watch engineers present on payments, the more abundantly clear it becomes to me that engineers view payments not...