3D Secure authentication failures occur when the cardholder verification step can’t be completed, causing an online card payment to be declined. This article explains how 3DS works, the most common failure reasons, what the error means for customers…
For a long time, digital gift and reward platforms have been grappling with the same structural problem. On one hand, they wanted more control over how cards are issued, branded, and used. But at the same time, the infrastructure required to do that…
This guide explains how the UK VAT Flat Rate Scheme works for small businesses and what changes compared with standard VAT accounting. You’ll learn how HMRC sets flat rate percentages, who can join, and why the limited cost trader rule matters so muc…
Loyalty programmes are evolving. Of course, points still matter. Increasingly, however, customers expect more than just accumulation – they want immediacy, relevance, and ease of use as well. Or to put it differently: the question is no longer…
When GF Money, a Finnish fintech founded in 2011, set out to expand its digital financial services across Europe, it faced a familiar challenge for fast-growing fintechs: how to scale efficiently without compromising compliance, customer experience,…
Choosing accounting software in the UK comes down to three things: what you need it to do day to day (invoicing, expenses, payroll), how it fits UK compliance (VAT and Making Tax Digital), and what you’re willing to pay as your business grows. In thi…
Across almost every corner of the payments sector, digital is becoming the new default. Cardholders, for example, are increasingly using mobile wallets. Merchants expect instant settlement, and anyone using some sort of payment platform expects real-…
A Company Unique Taxpayer Reference (UTR) is a key identifier used by HMRC to track a business’s tax obligations in the UK. This guide explains what a company UTR number is, who needs one, how it’s issued, and where it’s used in corporation tax, fi…
As the saying goes, two things can be true at the same time. Just look at spreadsheets. Yes, they can be incredibly powerful, but they’re probably also holding your finance team back. The truth is, for many companies – even in 2026 – Exce…
Virtual cards sit at the centre of modern digital payments, especially where speed, control, and security matter. This article looks at how virtual card systems work behind the scenes, the technology that supports them, and how they’re used in real p…
When it comes to gift cards, the first thing that comes to mind is usually a bunch of plastic rectangles hanging somewhere in the checkout aisle. The truth is, in terms of formats and delivery, they’ve come a long way since then. But from the provide…
As anyone who has ever worked in finance knows well, January is one of the crucial – if not the crucial – months of the year. Not only is there a danger of operational mistakes from the previous year rolling over, but the choices you make in the firs…
This article explains the P60 form in the UK tax system, covering who receives it, what information it contains, when and how it is issued, and why it matters for employees and employers. It outlines how P60 data is used for income verification, tax…
December and reasonable budgeting don’t mix all that well. What starts as a serious, well-defined end-of-year plan often turns into a free-for-all party – yes, those client gift baskets and pop-up events no one remembers authorising are exactly…
This guide breaks down the accounts receivable process from the moment credit terms are agreed to the point payment is received, recorded, and followed up when it is late. It explains what accounts receivable is, why a consistent workflow matters for…
Modern lenders today face a complex balancing act. With customer expectations rising and operational costs climbing, it’s getting harder and harder to compete on rates alone. The market is saturated and competition is fierce. In this environment, the…
This article explains how HMRC treats travel and subsistence expenses in the UK, with a focus on per diem allowances, qualifying conditions, and record-keeping rules. It covers which costs count as subsistence, how benchmark and bespoke scale rates w…
What bothers most loan providers, cost-wise, usually isn’t the credit itself but everything that happens around it. It can be client onboarding, verification, and compliance checks. Or disbursement coordination and payment reconciliation. Then there’…
