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Blog

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

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Latest articles

Browse all published posts from the team.

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

EMI vs PI: which authorisation fits your product?

A clear, practical comparison of Electronic Money Institutions and Payment Institutions for European launches. We map product features to licence types, explain the safeguarding implications of each, and show when embedding beats a full own-licence journey.

16/07/2026 5 min 2,737 0
Regulation & compliance

PSD2 SCA in practice: friction vs fraud trade-offs

Strong Customer Authentication exemptions, transaction risk analysis and how to keep conversion healthy under PSD2. A practical look at 3DS2 data quality, challenge UX and the soft-decline monitoring that separates good implementations from painful ones.

12/07/2026 5 min 4,143 0
Regulation & compliance

PCI DSS scope reduction through tokenisation

How deliberate architecture choices shrink the cardholder data environment and turn PCI compliance from an annual scramble into a sustainable programme. We cover hosted fields, network tokens, vaults and the segmentation work that actually reduces your SAQ burden.

07/07/2026 5 min 1,506 0
Featured
Regulation & compliance

Building a licence dossier that engineers can support

Regulators ask for more than policies — they ask how your systems actually enforce them. We explain how architecture packs, data-flow maps and control matrices shorten Q&A cycles, and why compliance and engineering must write the dossier together.

03/07/2026 5 min 1,980 0
Regulation & compliance

Open banking readiness for product teams

Consent UX, AIS data quality and PIS failure modes you should design for from day one, not retrofit after launch. A practical guide to normalising ASPSP quirks, handling partial failures gracefully, and expanding coverage without breaking success rates.

29/06/2026 5 min 958 0