The thinking
behind the work.
Research, benchmarks and visual explainers on how money moves through Paypr.work. Free to read, share and cite.
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One Acquirer or Multiple? A Strategic Perspective on Acquirer Setup
When one acquirer is enough, when it stops being enough, and what a multi-acquirer setup actually buys you.
Is Your BIN Setup Killing Conversions?
The first six to eight digits of a card decide how a payment is routed, priced and risk-scored — and most BIN setups have not been touched since go-live.
The Evolving Payment Landscape: From ISO to PayFac to Embedded Infrastructure
ISO, PSP, acquirer, PayFac, ISV — the roles that once defined the payments value chain are converging into something you assemble rather than inherit.
Do Not Honour: what decline code 05 actually means
The reasons hiding behind the vaguest decline code in payments, and the fallback strategies that recover the sale.
The local card networks: domestic schemes by region
The domestic card schemes that sit alongside Visa and Mastercard, mapped by region and market.
Infographics library.
The same thinking as a single picture — the whole argument on one page. Open any of them full size, or keep the file to share.