Guides
Explore and learn more about everything from machine learning and global payments to building marketplaces and scaling your team.
What Is Payment Acceptance? How It Works and How to Improve Acceptance Rates
What Is AVS (Address Verification Service)?
What Is Payment Orchestration? How It Works and How to Evaluate It
Merchant Acquiring Explained: Acquirer vs Processor vs Acquiring Bank vs PayFac
What Is a Payment Facilitator (PayFac)? A Complete Guide
Featured Guides
An ARN (acquirer reference number) is the code — typically 23 characters — that traces a card payment between banks. Learn where to find it, how to track a refund with it, and which networks use it.
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Payment acceptance covers both taking payments and getting them approved. This guide explains payment methods, acceptance rates, common decline causes, and how the bank processing a payment can affect approval.
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Compare Hong Kong payment gateway options by customer market, payment method mix, acquiring route, settlement, refunds, integration effort, and provider fit before choosing a provider.
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The card-payment fraud check that matches a shopper's billing address against the issuer's records — what the response codes mean, why legitimate cards fail, and when to reach for 3DS2 instead of a hard decline.
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A practical guide to payment orchestration for payment leads, PSP evaluators, and engineers. It explains how routing, processing, reconciliation, local methods, APIs, and provider-dependent retry capabilities fit together—and when the added layer is worth the operational cost.
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Learn how recurring payment processing works, why global subscription renewals fail, and how tokenization, smart retries, local acquiring, and local payment methods can improve payment recovery.
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A practical guide for global merchants evaluating alternative payment methods: what APMs are, how they differ from card payments, how Pay by Bank / A2A fits into the category, and how to choose methods by market, customer fit, operations, risk, settlement, refunds, and implementation effort.
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Merchant acquiring is the service that lets a business accept card payments. This guide untangles the terms that get used interchangeably — acquirer, payment processor, acquiring bank and payment facilitator (PayFac) — including what they mean if you sell across borders.
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A payment facilitator lets a platform onboard businesses as sub-merchants under a master merchant account. This guide explains how the PayFac model works, who owns risk and compliance, and when another payment model may fit better.
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Compare local acquiring vs cross-border acquiring: fees, settlement, compliance, and payment flow. A decision guide for global merchants.
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