Omno Payments Team
The team that builds and runs Omno's routing, checkout and PSP connections. Articles are written by the people who run payment flows for e-commerce merchants every day.
Payments engineering and partnerships
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How to measure 3-D Secure: challenge rate, abandonment and failure
The 3-D Secure metrics worth tracking: challenge rate, abandonment, authentication failure versus issuer decline, and what to change when each one moves.
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Approval rate by segment: the cuts that lead to action
How to break approval rate down by issuer country, card type, BIN, method, amount, device and provider, and how to stop small samples from misleading you.
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Card testing attacks: how they work and how to stop them
How card testing works, the signs in your payment data, what stops it, from velocity limits and CAPTCHA to minimum amounts, and the card scheme consequences.
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Checkout form design: what keeps shoppers on the page
Checkout form design backed by research: field count, guest checkout, inline validation, autofill and mobile keyboards, with a review checklist.
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Choosing payment providers for Southeast Asia: what to ask in each market
What to ask providers in Indonesia, Thailand, the Philippines, Malaysia, Singapore and Vietnam: QRIS, PromptPay, GCash, DuitNow, FPX, PayNow and local cards.
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Collecting customer data at checkout: ask for less, collect the rest on demand
Which customer details providers and local methods really need, why asking for everything costs conversions, and how to collect the rest only when needed.
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What a foreign card really costs: interchange, scheme fees and FX
The real cost of a foreign card: higher interchange, scheme cross-border fees, FX markup and what published rates such as the EU caps say, with an example.
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Crypto and stablecoin payments at checkout: how they work
How crypto and stablecoin payments work for online stores: address or QR flows, networks and confirmations, conversion, underpayments, MiCA, sanctions and tax.
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What to tell a customer after a decline: safe messages and next steps
What to show a customer after a card decline: which details are safe, why fraud reasons stay hidden, copy examples by decline type and the right next step.
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Friendly fraud: Compelling Evidence 3.0 and First-Party Trust
What first-party misuse is, how Visa Compelling Evidence 3.0 and Mastercard First-Party Trust work, what evidence to keep and how to prevent disputes.
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Host-to-host card payments: when direct card data is worth the PCI cost
H2H card payments vs hosted fields and hosted checkout: which SAQ applies, what attestation costs, how secure tokens help and when direct card data is worth it.
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How Germans pay online: PayPal, invoice, direct debit and what a foreign store needs
How German shoppers pay online: PayPal, invoice, Klarna, SEPA direct debit, cards and Wero, what each needs from a foreign store, and the new credit rules.
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Selling online to Uzbekistan: Humo, Uzcard, Payme and Click explained
How a foreign online store takes payments in Uzbekistan: Humo and Uzcard cards, Payme and Click wallets, local acquiring, UZS, and what to ask a provider.
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iDEAL, Bancontact and Wero: pay-by-bank in the Netherlands, Belgium and Germany
How foreign online stores accept iDEAL, Bancontact and Wero, where the iDEAL to Wero migration stands in November 2026, and what to ask a payment provider.
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How to investigate a failed payment: a playbook for support teams
A step-by-step playbook for finding out why one payment failed: reference, attempts, provider response, 3-D Secure result, webhook and customer view.
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Mastercard ECP and EFM: thresholds, fines and how to get out
How Mastercard's Excessive Chargeback and Fraud Merchant programmes work: tiers, thresholds, assessments, exit rules and the changes reported for 2027.
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MCC codes for online stores: how they are assigned and why they matter
What merchant category codes are, who assigns them, how a wrong MCC affects approvals, fees and rules, and which codes online stores commonly use.
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Merchant onboarding: what payment providers ask for and why applications stall
What a provider asks for when you apply: business documents, owners, website checks and processing history, why applications stall, and typical timing.
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Multi-brand payment setup: MIDs, legal entities, statement names and reporting
How to run payments for several brands or country stores: when to separate legal entities and MIDs, statement names, roles, shared routing and group reporting.
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Pay by Bank in the UK: what a foreign store should know before adding it
UK shoppers still pay online by card. How Pay by Bank works over Faster Payments, where variable recurring payments stand, and how a foreign store adds it.
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Payment data and GDPR: what a merchant can keep, and for how long
What payment data a merchant holds under GDPR: lawful basis, saved cards, retention, controller and processor roles, transfers and handling deletion requests.
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Payment method order at checkout: what to show first, and how many
Which payment methods to show first by country, how many to show, what to preselect, where wallets belong, and what research says about choice at checkout.
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Payment outage playbook: detect, reroute, communicate and reconcile
A step-by-step runbook for a payment provider or card network outage: detect it, confirm the scope, reroute safely, tell customers and reconcile afterwards.
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Payment timeouts and unknown statuses: what to do when a provider does not answer
What to do when a provider does not answer: unknown statuses, why not to show failure too early, duplicate charge risk, status checks and reconciliation.
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Selling online to Japan: cards, JCB, konbini, PayPay and bank transfer
How a foreign online store takes payments from Japan: cards and JCB first, instalments, konbini, PayPay, bank transfer, and what a merchant needs for each.
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Payments in Nigeria: cards, bank transfer, USSD and what a foreign store should ask
How Nigerians pay online: cards, bank transfer, USSD and wallets, what Paystack and Flutterwave need from you, naira FX, repatriation and the NGN 50 stamp duty.
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Provider limits and volume caps: how to avoid hitting one at month end
Processing limits at acquirers and providers, why they exist, and how to set traffic caps so a peak sale day does not stop your payments.
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PSD3 and the Payment Services Regulation: what changes for online merchants
PSD3 and the PSR explained for online merchants: what is agreed, what is not yet in force, and what changes for authentication, fraud and open banking.
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How to read a PSP contract: the clauses to check before you sign
The clauses to read in a PSP agreement: fees and minimums, reserves, termination, exit and data export, settlement timing and chargeback liability.
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Sanctions and restricted countries: what an online store still owns
What sanctions screening means for an online store: OFAC, EU, UK and FATF lists, the limits of geoblocking and what stays with the merchant.
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Saved cards and guest checkout: consent, CVV and credential-on-file rules
When to offer saved cards, what consent you need, whether to ask for the CVV, credential-on-file rules, and how guest checkout fits alongside them.
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Selling online to Georgia and Armenia: cards, bank apps, Idram and local acquiring
How shoppers in Georgia and Armenia pay online, from bank cards and apps to Idram, plus local acquiring, GEL and AMD pricing and what to ask a provider.
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Selling online to the United States: payment methods a foreign store can really offer
Americans pay online by card. Which US methods a foreign store can get, from Apple Pay and PayPal to Cash App, ACH and Affirm, and what US acquiring requires.
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Settlement currency and FX risk: what to settle in and what to hold
How to choose settlement currencies, where FX exposure sits between sale and payout, what holding balances means, and which hedging topics to raise with a bank.
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Statement descriptors: how the line on a card statement causes or prevents disputes
Why unclear statement descriptors cause disputes, what Visa and providers require, length limits, dynamic descriptors and what to set per brand and market.
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Sticky and reverse-sticky routing: keeping or moving returning customers
How sticky routing keeps returning customers on the provider that worked, how reverse-sticky moves them from one that declined, and the risks of each.
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Surcharges and payment fees: where you can charge, and how to show it
When a merchant may add a fee for a payment method: the EU and UK bans, US state and card scheme rules, Australia's 2026 change and how to display a surcharge.
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Traffic splitting between payment providers: setting shares and reading results
Why merchants split payment volume across providers, how to set the shares, how to read the result fairly and the mistakes that make one provider look better.
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UPI for cross-border e-commerce: how foreign online stores get paid from India
How UPI works at checkout for a foreign online store: intent, QR and the end of collect, RBI rules on cross-border aggregators, and what to ask a provider.
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Velocity rules and customer limits: how to set them
How velocity rules work per card, customer, device and IP, which time windows to use, and how to set thresholds without blocking repeat customers.
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What a payment orchestration RFP should ask: 30 questions
Thirty questions to put in a payment orchestration RFP, grouped by coverage, routing, tokens, checkout, payouts, data, security, operations, pricing and exit.
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Adding a second PSP without a re-integration: a step-by-step plan
A practical plan for adding a second payment provider: what a direct integration involves, saved-card migration, status mapping and a safe traffic ramp.
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Payment orchestration vs building routing in-house: costs and trade-offs
What an in-house payment routing layer must include, what it costs to build and maintain, when building makes sense and when buying orchestration does.
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Subscription payment recovery: retries, account updater and dunning
How subscription merchants recover failed renewals: account updaters, network tokens, retry schedules, MIT flags, dunning and local recurring methods.
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Fraud screening without killing approval rates
How to set fraud rules that stop bad payments without blocking good customers: measuring false positives, layering checks and testing rules safely.
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Mobile money at checkout in Africa: M-Pesa, MTN MoMo and Wave
How mobile money works at an online checkout: phone prompts and PINs, callbacks, limits, fees, refunds and payouts for M-Pesa, MTN MoMo and Wave.
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Choosing payment providers for MENA: what to ask in each market
What to ask payment providers in Saudi Arabia, the UAE, Kuwait, Egypt, Jordan and Morocco: local acquiring, domestic schemes, licences, refunds and currency.
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Network tokens vs PSP tokens: what changes for repeat payments
How network tokens differ from PSP vault tokens, what each does for repeat payments, approval rates and portability, and how to combine them across PSPs.
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Settlement times by region: cash flow from capture to bank
How long card and local method payments take to reach your bank in Europe, the US, Brazil and Mexico, what reserves and FX add, and how to model cash tied up.
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Cascading and decline recovery: which declines to retry, and how
How payment cascading recovers soft declines, which decline codes must never be retried, card network retry limits, and a worked recovery example.
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How to calculate approval rate correctly, with worked examples
Approval rate formula, what belongs in the denominator, why attempt-level numbers mislead, and how to compare PSPs fairly. Worked examples included.
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Single PSP risk: what happens when your only provider says no
The risks of relying on one payment provider: outages, account freezes, reserves, approval ceilings and pricing, plus a checklist for adding a backup PSP.
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Why payouts are harder than payments
Why refunds and seller payouts are harder than taking a payment: return-to-source rules, name matching, thinner method coverage, late failures and prefunding.
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Choosing payment providers for Africa: what to ask in each market
What to ask payment providers in Nigeria, Kenya, Ghana, Egypt and Morocco: cards versus mobile money, FX and settlement, licences, Verve, M-Pesa and MoMo.
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Account-to-account and instant payments in emerging markets
How account-to-account and instant payments work at checkout in Mexico, Argentina, Colombia, Turkey, Egypt, the UAE and Nigeria, and what they change.
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Visa VAMP: how the ratio, fees and card testing rules work
How Visa's VAMP ratio is counted, what is excluded, the card testing ratio, acquirer thresholds and fees, and what to do in the month you get a warning.
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Webhooks and idempotency: a guide for payment teams
How to build webhook handlers and idempotent payment requests that survive duplicates, retries, out-of-order events and timeouts without double charges.
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Choosing payment providers for LATAM: a country-by-country checklist
What to ask payment providers for Brazil, Mexico, Colombia, Peru and Chile: local entity or cross-border, instalments, local methods, FX, settlement and tax.
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BIN routing explained: picking a provider by card issuer
How BIN routing uses a card's issuer, country, brand and funding type to choose the payment provider, with an example rule set and the mistakes to avoid.
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Card token portability: moving saved cards between payment providers
How saved cards move between payment providers: PSP, network and vault tokens, PAN exports, what never moves, contract clauses and keeping renewals approved.
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Chargeback management for cross-border merchants
How chargebacks work for merchants selling across borders: dispute timelines, Visa and Mastercard monitoring thresholds, evidence rules and prevention.
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Marketplace seller payouts across borders: rails, timing and checks
How marketplaces pay sellers in other countries: split or later payouts, holding periods, bank, card and wallet rails, payout currency and DAC7 reporting.
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3DS2 for cross-border shops: friction, exemptions and where SCA applies
When 3-D Secure is required, which PSD2 exemptions a cross-border shop can use, what liability shift covers, and how to decide when to ask for 3DS.
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Payment reconciliation across many PSPs: a practical model
How to reconcile orders, provider transactions and bank settlements when payments run through several PSPs, with a data model, match rules and common breaks.
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Customer verification tiers and payouts
How marketplaces, fintechs and online sellers can tier customer verification so sales start fast and payouts never wait for a document request.
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Which local payment methods to add first: a scoring model
A scoring model for deciding which local payment methods to integrate first: reach, ticket fit, uplift, cost, refunds, payouts, effort and provider access.
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Multi-currency pricing vs dynamic currency conversion: which to offer
How multi-currency pricing and dynamic currency conversion differ, what Visa and EU rules require, who earns the FX margin, and what happens to refunds.
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Building a decline dashboard: data, code groups and alerts
Which data to capture for every payment attempt, how to normalise decline codes across PSPs, the views a payments team needs, alerts and a weekly review.
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BNPL in the Gulf: Tabby, Tamara and what they change for merchants
How buy now, pay later works for merchants in Saudi Arabia, the UAE and Kuwait: who pays whom, the rules, order statuses, captures, refunds and placement.
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How many PSPs do you need? Choosing providers per market
A method for deciding how many payment providers to use in each market: count the jobs, add backup where it pays, and weigh cost. Worked Mexico example.
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PCI DSS 4.0.1 and SAQ A for hosted checkout merchants
What SAQ A covers under PCI DSS 4.0.1, who qualifies with a redirect or iframe checkout, the January 2025 changes and what the merchant still has to do.
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Kaspi in Kazakhstan: why the checkout needs more than cards
Why a card-only checkout falls short in Kazakhstan: Kaspi's scale, the local card system, QR payments, how foreign merchants connect, and refund handling.
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OXXO and cash vouchers in Mexico: how they work at checkout
How OXXO cash vouchers work for online stores in Mexico: reference, store payment, expiry, limits, webhooks, refunds by SPEI and when to offer SPEI instead.
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QR payments for e-commerce: how to build the checkout flow
How an online store gets QR payments right: static or dynamic codes, the EMVCo format, desktop and mobile flows, expiry, confirmation, amounts and refunds.
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Refunds across local payment methods: what each one supports
Which local payment methods support refunds, partial refunds and how long you have: cards, Pix, Boleto, OXXO, SPEI, SEPA debits, wallets and BNPL.
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False declines: what they cost and how to find them
What a false decline is, where it happens, what studies say it costs, how to spot one in your decline codes and how to reduce them without more fraud.
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Data localisation in CIS payments: what cross-border online stores need to know
Which CIS and Caucasus markets require local storage of personal data, what it means for checkout, PSPs and orchestration, and how card data differs.
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mada and local cards in Saudi Arabia: what changes at checkout
What mada changes for an online checkout in Saudi Arabia: co-badged cards, local acquiring, Apple Pay, capture and refund rules, STC Pay and SADAD.
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Card payouts vs bank payouts: speed, reach, cost and when to use each
How card payouts through Visa Direct and Mastercard compare with SEPA Instant and other bank payouts on speed, eligibility, cost, limits and failure.
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Soft vs hard declines: which decline codes to retry
Which card decline codes are worth retrying and which must never be retried, with Visa decline categories, Mastercard advice codes and retry fees.
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Checkout localisation: currency, language and payment methods by market
What localising a checkout means: currency, language and RTL, method order, local form fields and instalments, with LATAM, Turkey, MENA and CIS examples.
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Card instalments in Brazil and Latin America: who pays and when you get paid
How card instalments work in Brazil, Mexico, Argentina, Colombia, Chile and Peru: who funds the interest, when the merchant is paid, refunds and chargebacks.
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Pix for cross-border e-commerce: what foreign merchants need to know
How a merchant outside Brazil accepts Pix: the partner model, QR and copy-and-paste codes, IOF, limits, expiry, refunds, MED disputes and Pix Automático.
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Local vs cross-border acquiring: what changes for approval and cost
What changes when a card payment is acquired in the customer's country instead of abroad: issuer approval, interchange, FX, entities and data rules.
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Interchange++ vs blended pricing: how to read a PSP quote
How interchange++ and blended card pricing work, what the EU caps say, which other fees sit in a PSP quote and how to compare quotes on your own payment mix.
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Merchant advice codes: what each Mastercard MAC tells you to do
What Mastercard merchant advice codes are, where they arrive, what each code means, how Visa differs, and how to turn MACs into retry and dunning rules.
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Apple Pay and Google Pay for cross-border checkout: what changes
How Apple Pay and Google Pay work in a cross-border checkout: device tokens, SCA and liability, country availability, domain setup, local cards and refunds.
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Cash on delivery in MENA: moving shoppers to online payment
How common cash on delivery still is in MENA, what it costs a merchant, how to move shoppers to prepaid methods, the fee rules and what changes in refunds.
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BLIK and pay-by-bank in Poland: a guide for foreign online stores
How a store outside Poland accepts BLIK and pay-by-link transfers: the code flow, One-Click, recurring, provider limits, refunds, disputes and PLN pricing.
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Payments in Turkey: Troy, taksit and local acquiring for online stores
How Turkish shoppers pay online: card instalments (taksit) and the BDDK caps, Troy cards, 3-D Secure, FAST, and refunds under the distance contract rules.
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Choosing payment providers for CIS and the Caucasus: what to ask in each market
What to ask payment providers in Kazakhstan, Uzbekistan, Kyrgyzstan, Tajikistan, Armenia, Azerbaijan and Georgia: local schemes, acquiring, settlement and KYC.