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Product updates, payment architecture notes and practical guides from the Pay Engineers team.

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Browse all published posts from the team.

All Payment infrastructure (6) Regulation & compliance (5) Product & strategy (4) Security & risk (3) Engineering (4)

Product & strategy

Monetising a payment platform: fees that survive scrutiny

Interchange-plus-plus, blended pricing and platform take-rates each carry very different trade-offs between simplicity and transparency. We explain how to model fees against chargebacks, FX and support cost so commercial and engineering teams share one number.

15/07/2026 5 min 2,150 0

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Product & strategy

When to embed BaaS instead of applying for your own licence

Speed, control and exit options form a pragmatic matrix for founders weighing Banking-as-a-Service against a direct licence application. We cover roadmap dependency, concentration risk and the exit-path design decisions that protect optionality later.

10/07/2026 5 min 694 0

Product & strategy

Checkout conversion: the quiet compounder

Latency, local method coverage and disciplined retry logic quietly outperform flashy checkout redesigns almost every time we measure it. We explain how to instrument payment-specific funnel metrics and why treating checkout as reliability work beats treating it as design work.

04/07/2026 5 min 1,284 0

Product & strategy

White-label payments: brand speed without architecture debt

White-label suites let banks and platforms launch quickly under their own brand, but poorly scoped programmes create coupling that is very hard to reverse later. We explain how to demand clear tenancy boundaries and design a genuine path to deeper ownership.

28/06/2026 5 min 4,813 0