13 pages

Payment-Architecture

Apr 20, 202610 min read

Reversals, Refunds, and Chargebacks: Decoding the Payment Lifecycle

Three words every payment professional uses — and confuses. Each lives at a different point in the settlement lifecycle, under a different protocol, with radically different …

Apr 09, 202615 min read

CAPKs: The Cryptographic Trust Anchors Behind Every EMV Transaction

Every card-present transaction begins with a question the terminal must answer before anything else: is this card genuine?

Apr 05, 202614 min read

What Actually Happens in the 2–3 Seconds of a Card Payment

A card payment feels instantaneous. The system behind it is not.