Credit decisions have gotten much faster over the past decade. Connected bank data and automated underwriting let a lender move from application to answer in minutes. But now borrowers expect that same speed. Yet the money behind that decision still…
This guide covers how pending holds work, standard clearing times, merchant buffer practices, and management tools for corporate card spend. Every card transaction relies on a two-step approval protocol behind the scenes. When a customer presents a c…
This guide compares API keys with OAuth 2.0, explains where JSON Web Tokens (JWT) fit in modern architectures, and details practical security controls for production systems. Technical teams can use these distinctions to select appropriate credential…
Lending decisions get judged on one question above all others: will the borrower pay the loan back? Both underwriting models and covenants are in place to answer those questions positively. But there’s a second question that gets far less atten…
On 8 October, we’re bringing together an FCA-authorised EMI and our own strategy and implementation leads to talk through two questions: how do fintechs build card programmes for complex corporate clients? And, crucially, which parts are worth…
This article explains the main principles of REST API design for card issuing platforms. It covers endpoint structure, HTTP methods, request and response formats, authentication, versioning, error handling and developer practices that support reliabl…
Credit decisions are built from the past: bank statements, filed accounts, VAT returns, a credit file, and sometimes a direct feed from the borrower’s accounting software. It’s a sound basis for judging if a business or an individual can…
This article explains how seasonal cash flow affects businesses with fluctuating revenue throughout the year. It covers the main causes of seasonal cash shortages, practical forecasting and planning methods, suitable financing options for temporary f…
This article explains how the cash conversion cycle measures working capital performance, details the formula components, compares it to the working capital ratio, and presents practical ways to shorten your cash cycle. Effective corporate liquidity…
This technical guide examines the ISO 8583 payment message standard for financial transaction messaging. It details message type identifiers, bitmap constructions, and individual data elements. Technical teams can reference this document to understan…
This article details how modern finance teams select, deploy, and profit from accounts receivable automation. It highlights key software features, system integration techniques, and operational frameworks necessary to maintain cash flow control while…
This article examines how invoice financing, factoring, and discounting provide liquidity for trading businesses. It details operational mechanics, compares debt collection models, evaluates decision criteria, and outlines spending controls. Commerci…
To see where exactly digital ad money goes, it helps to know how the buying works. When a company hires an agency to run its ads, the money usually reaches the platforms through a corporate card, topped up so campaigns never pause. That card activity…
The first year of running a business is a scramble and improvisation by design. Attention goes to the product, the first customers, and the search for something like a routine. It’s no surprise, then, that the finances get handled in the gaps between…
This guide examines payment terms negotiation strategies and net settlement schedules in commercial transactions. It outlines standard credit timeframes, key negotiation factors, practical steps for financial controllers, and how digital payment tool…
With so many options out in the market, handing an employee a company card has never been easier. A virtual one, for example, can literally be issued in seconds, added to a phone, and then used before lunch break. That convenience is genuinely useful…
This guide provides a comprehensive breakdown of card interchange fees, detailing how fees transfer between financial institutions during payment processing. It outlines the key differences between merchant fees, scheme charges, and issuer compensati…
This technical overview covers card issuing API architecture, core operational features, integration workflows, and provider evaluation criteria for modern payment solutions. Many fintech products, expense management platforms, and embedded finance s…
