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

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Featured

Payment infrastructure

What a modern payment processor actually contains

Beyond "accepting cards": the modules, data flows and operational surfaces that define a production-grade processor. We break down the acquiring core, risk engine, ledger, settlement pipeline and partner connectivity layers most roadmaps forget about until launch is already running late.

17/07/2026 5 min 4,202 0

Featured

Payment infrastructure

Payment gateway vs payment processor: choosing the right layer

A practical decision framework for fintech founders deciding what to build, buy or white-label. We unpack where gateways end and processors begin, why the distinction gets blurry in real products, and how hybrid architectures let you keep optionality while you scale.

14/07/2026 5 min 4,549 0

Payment infrastructure

Designing ledgers for wallets and stored-value products

Double-entry fundamentals, hold states and why "just a balance column" fails under audit. A deep dive into account typing, journal design and the reconciliation guarantees regulators and auditors expect from any product that stores customer value.

11/07/2026 5 min 4,458 0

Featured

Payment infrastructure

Marketplace split payments without losing your licence narrative

Escrow, seller KYC and settlement timing are the three pillars of compliant platform payments. We explain how sub-merchant profiles, dispute freezes and transparent T&Cs keep marketplaces from quietly drifting into unlicensed money transmission.

08/07/2026 5 min 3,965 0

Payment infrastructure

SoftPOS in 2026: opportunities and certification realities

Tap-to-pay on commercial off-the-shelf devices is accelerating fast, but scheme mandates and PCI constraints still shape every delivery timeline. We look at attestation, kernel certification and the fallback UX that separates a real programme from a demo.

05/07/2026 5 min 3,277 0

Payment infrastructure

Cross-border payouts: corridor design before code

Global payouts fail predictably when teams try to support every country on day one instead of ranking corridors deliberately by volume, margin and compliance complexity. We explain how to select partners per corridor and design orchestration that scales without rewriting your core ledger.

24/06/2026 5 min 2,031 0