Insights

Field notes from the payments stack.

Approval rates, orchestration, risk, and the regulatory weather. Written from inside live engagements, not from a podium.

Why your approval rate is leaking eight points — and how to find them

Most merchants accept their approval rate as a given. It rarely is. Here is the diagnostic I run on every new engagement.

Single-PSP setups made sense in 2018. In 2026, even modest-volume merchants are leaving real money on the table.

Most PSP RFPs are won on the wrong criteria and lost on the right ones. A practical structure that surfaces the truth.

Most onboarding flows feel hostile because they were designed for the regulator, not the user. They can be both.

Your PSP statement contains the answer to most of your cost-reduction questions. Almost nobody reads it properly.

PSD3, the EU Instant Payments Regulation, and a wave of national rules are reshaping how money moves. Here is how to stay ahead.