Every payment tells a story about the customer: where they are located, what they purchased, when they purchased it, how often they return, how they prefer to pay, how much they spend, and how their behaviour changes over time. Payment data can provide a highly accurate picture of customers themselves as well about their behaviour because it shows real transactions, not just their intentions. The irony is that many businesses collect this information every day but rarely use it effectively....

Today we can pick from multiple payment providers, neobanks and payment methods. But how safe are they to hold our funds? Or how do they even work? Many merchants believe they diversified their payment setup because they integrated several gateways or payment providers. This could not be further from the truth: in reality, many of these providers route transactions through the same acquiring banks, sponsor institutions or infrastructure providers behind the scenes, without full disclosure to...

The Green Sheet Magazine is out, and my latest article explores one of the most misunderstood areas in payments and banking today: Merchant of Record (MoR) versus Payment Facilitator (PayFac) models. Payment providers can operate under various models, which can affect our pocket greatly. However, this can be very confusing if we do not know what to look out for. The two most common -the Merchant of Record and Payment Facilitator - are frequently used terms in payments but are still confused...