Fintech Knowledge Base

How to design a SEPA direct debit failure and retry strategy covering mandate issues, bank rejects, retries, and customer trust.

How to design payout systems for marketplaces and platforms, including reserve holds, split logic, settlement timing, and operational controls.

A practical guide to double-entry ledger design for payment and billing platforms, including posting rules, reconciliation, and source-of-truth boundaries.

How to design KYC and KYB workflows for European fintech products with better review queues, retries, auditability, and conversion.

How to recover failed payments with better retries, customer communication, and access policies that protect trust and reduce involuntary churn.

A practical guide to invoice and tax data flows that support compliance, auditability, and cross-border SaaS billing.

The subscription billing edge cases that routinely break in-house systems, from prorations and backdating to retries, credits, and tax changes.

How to tell when a SaaS business needs a merchant of record, what problems it solves, and what tradeoffs it introduces.

A practical guide to audit trails for regulated software, including change history, attribution, reason codes, reviewer workflows, and audit readiness.

Learn how to design idempotent payment and billing flows that prevent duplicate charges, duplicate invoices, retries, and webhook side effects.

When payment orchestration makes sense, how to implement PSP routing, and practical patterns for failover and optimization.

Practical fraud prevention strategies for European payment systems, from velocity checks to machine learning scoring.

How to handle multi-currency payments correctly, covering exchange rates, settlement currencies, display, and accounting.

How to handle and prevent chargebacks in online payment systems, covering dispute flows, evidence submission, and reduction strategies.

How to build automated payment reconciliation systems that match PSP settlements to your internal records and catch discrepancies.