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Reference Articles
BaaS
October 21, 2026
What is the difference between PaaS and BaaS?
A reference page covering the structural and regulatory differences between PaaS and BaaS: what each model covers, which licence underpins each, what the compliance implications are, and how to decide which applies to your business.
Reference Articles
PaaS
October 7, 2026
What does a PaaS provider cover, and what stays with the client?
A reference page covering what a PaaS provider takes on, what remains the client’s responsibility, where the common areas of ambiguity lie, and what to look for in the programme agreement before signing
Reference Articles
Embedded Finance
September 15, 2026
What is embedded finance, and how does it relate to Payments as a Service?
A reference page covering what embedded finance is, how it differs from PaaS and BaaS, what role PaaS plays as the infrastructure layer, and what embedded finance actually requires a business to put in place.
Guides
BIN sponsorship
August 13, 2026
Payments as a Service: the complete guide for businesses outsourcing payment infrastructure in Europe
The complete guide to Payments as a Service (PaaS) for businesses outsourcing payment infrastructure in Europe – covering what PaaS is, how it differs from BaaS and embedded finance, what a provider covers, and how to evaluate provider stability in a consolidating market.
Reference Articles
BIN sponsorship
July 22, 2026
What is the difference between principal membership and affiliate membership?
A reference page for fintech product leads and PSPs covering the two primary card scheme membership categories – principal and affiliate – what each permits, what each costs and requires, the settlement and compliance implications of each, and how to use this understanding when evaluating a BIN sponsor.
Guides
BIN sponsorship
July 7, 2026
BIN sponsorship explained: the complete guide for fintechs and payment service providers
BIN sponsorship is the fastest and most cost-effective route to launching a branded card programme in Europe. This guide covers how it works, who it is for, how responsibilities are divided, and the eight criteria that should form the basis of any provider evaluation.
Reference Articles
BIN sponsorship
June 12, 2026
What is the difference between a BIN sponsor and an issuer processor?
A reference page for fintech product leads and PSPs covering the distinct roles of a BIN sponsor and an issuer processor in a card programme – what each does, who is accountable for what, how the two roles interact, when they are provided by the same entity, and the implications of that for programme flexibility and risk.
Guides
Payment cards
May 21, 2026
How to launch a branded payment card issuing programme with the right partner
A practical guide to launching a branded card issuing programme, including what is involved, why businesses work with issuing partners, and what to consider before going live.
Reference Articles
BIN sponsorship
April 15, 2026
What is a BIN in payment card issuing?
A reference page for fintech product leads, PSPs and payment programme managers covering what a BIN is, how it differs from an IIN, how many digits it contains and why, what information it encodes, who assigns and owns it, and the practical differences between shared and dedicated BINs.
Guides
Loan disbursement
March 31, 2026
Multi-currency and cross-border loan disbursement explained
Managing multi-currency and cross-border loan disbursement requires structured FX policy, controlled payment routing and integrated compliance across UK and European markets.
Payment Solutions
PaaS
February 18, 2026
Closed-loop payment programmes
This guide explains closed-loop payment programmes in clear, practical terms. It covers how they work, why organisations use them, and how they are defined under European payments regulation, without relying on legal jargon or marketing language.
Products & Services
Loan disbursement
January 29, 2026
How white-label cards are transforming modern funds disbursement
Discover how white-label cards help organisations deliver funds faster, stay compliant and strengthen their brand across the EEA.