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

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Security & risk

Tokenisation strategies for multi-PSP environments

Network tokens, vault tokens and the migration realities of multi-homing acquirers all carry different lock-in and agility trade-offs. We explain why token portability is never automatic, and how security and product teams should co-own the strategy.

13/07/2026 5 min 3,687 0

Security & risk

Fraud rules that do not destroy good customers

Naive velocity checks and blunt rule sets punish loyal, high-intent customers precisely during the sales peaks that matter most. We look at behavioural signals, allow-lists, graduated step-ups and the case management operations that make fraud a product, not a firefight.

09/07/2026 5 min 947 0

Security & risk

Operational resilience for payment APIs

Idempotency, timeouts and circuit breakers are the difference between a degraded acquirer and a cascading outage. We explain what "safe retry" actually means, why ambiguous payment states destroy merchant trust, and how to bake resilience in from the first sprint.

01/07/2026 5 min 776 0