Use a computer

For full performance and fluidity, please open Pay Engineers on a desktop or laptop. On mobile, the experience is limited — especially authenticated sections and advanced tools after login.

Pay Engineers Pay Engineers
Log in
Language
Home
Custom processor Bespoke payment infrastructure Configurator Design your processor setup Stripe workspace Connected Stripe operations Compliance Authorizations & licensing
All services Engineering & consulting offers Order a processor Start a custom build File a claim Complaints & claims desk
Processor guides Architecture & best practices API docs (opens in a new tab) Developer documentation Blog Product & engineering notes
About Who we are Contact Talk to our team
Create an account

Insights

Blog

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

Blog

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 2,855 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 4,234 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 1,601 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 2,071 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 1,058 0