Writing
How the plumbing actually works.
We write about the parts of payments that usually stay behind a sales deck: where the fee goes, why a rail behaves the way it does, and what breaks when the tower is congested.
· 6 min read
Where your card fee actually goes
A 2.45% card fee is not one fee. Pulling it apart explains why the closed-loop rate can be a third of it without anybody losing money.
· 7 min read
Designing for the tower that falls over at five o'clock
Offline-first is not a feature you add at the end. Here is what a payment app has to give up to keep trading when the network does not.
· 5 min read
Credit that reads a till roll instead of a payslip
Affordability assessment for a shop that has never had a bank statement — and why repayment should flex with takings rather than land on the 25th.
· 4 min read
Why PayShap matters more than it looks
A phone number instead of an account number sounds cosmetic. For an economy where most transfers are cash handed over in person, it is not.