One-hour courses. A real learning path.

A world tour of payment habits: why every country pays differently; Europe's local schemes (iDEAL, Bancontact, girocard, Swish, Blik, Bizum and more); Asia's super apps and public infrastructure (Alipay, WeChat Pay, UPI); the Pix revolution; and African mobile money. Plus everything a merchant needs to take from it to expand abroad: a localized checkout, currencies, DCC and local acquiring.

From barter to instant payments: 5,000 years of monetary innovation, step by step. Primitive currencies, struck coins, bills of exchange, banknotes, checks, cards (Diners Club in 1950, Cartes Bancaires in 1984), cash versus bank money, and today’s great dematerialization.

About 60 essential terms for talking about payments accurately: the players, the flows, security, and the back office. The classic traps are taken apart one by one: an acquirer is not the merchant, an authorization is not a debit, and clearing is not settlement.

A client, a committee, or an employer wants your view on a market you do not know, and needs it by tomorrow. This course gives you the method: five framing questions, the hierarchy of primary sources, six checks that separate a published statistic from a marketing figure, a four-layer map of the players, and a one-page memo that shows its sources and how confident it is.

How an e-commerce manager decides, country by country, which payment methods to turn on. Reading a market share without mistaking the population or the unit. Costing a method in full, including the fee but not stopping there. Separating captured demand from displaced demand. Building a shortlist under the three-method rule, testing it on a limited scope, then removing a method without breaking the refund journey.

The day-to-day work of the team that opens stores in multiple countries, step by step. Build a country's acceptance sheet and settle the architecture before ordering hardware. Write the approval clauses of a terminal tender, including PCI PTS and MPoC. Configure contactless, diagnose a decline at the counter, and choose between a terminal and a phone. Integrate the register without redoing the project in every country, reconcile the batch upload with the incoming transfer, and manage the fleet and its after-sales service.

Work on government payment flows without the reflexes of merchant acquiring. Classify a public flow and find the rule that mandates its channel, connect to a mandatory public platform, build a payable notice with its reference and QR code, size a mass benefit payout, wire up national ID addressing, calculate what late payment by a public buyer costs, and audit the payment journey against WCAG 2.2 Level AA.

Roll out QR code acceptance outside Europe, from choosing a licensed participant to the accounting close. Identify the rail that settles behind the code, test an EMV QRCPS payload before go-live, choose between static and dynamic codes based on the numbers, write the display protocol and the checkout procedure, reconcile incoming credits, accept foreign QR codes, and spot a swapped display.

The day-to-day craft of collecting recurring payments across several countries. Choose between a card mandate and a bank mandate based on the full cost of each collected charge, wire and audit a CIT/MIT chain, open a local direct debit rail with the paperwork it requires, enroll a native mandate on e-NACH, UPI AutoPay, PayTo or Pix Automático, and write a retry policy that stays under scheme caps. Then close cleanly: a single cancellation flow, and VAT on digital services.

From PAN to network token: understand VTS and MDES, card-on-file, the CIT/MIT framework and every MIT type, account updaters, subscription dunning, wallets, and PCI DSS scope reduction.

From the cardholder’s dispute click to scheme arbitration: the full life cycle; Visa, Mastercard, and Cartes Bancaires (CB) reason codes; customer rights; the representment case; monitoring programs; friendly fraud; deflection (RDR, Ethoca); and the KPIs to manage by.

Turn payments from a cost center into a margin lever. Measure and segment the authorization rate (gross and net, by BIN, issuer, and country), track checkout conversion and 3DS metrics, and keep fraud and chargeback ratios below the 2026 VAMP and ECM thresholds. Then break down the true cost per transaction (effective MSC, blended vs. IC++), make reconciliation and settlement times reliable, build an actionable dashboard, negotiate with your PSP armed with data, and run rigorous checkout A/B tests.

The full integration project, from the merchant's side. Choose a payment provider, get to grips with the sandbox and API keys, create a payment, make webhooks reliable with idempotency, model the state machine, and handle capture and refunds. Then go live with a test checklist worthy of a card payments team.

Hosted redirect, iframe and hosted fields, drop-in, or direct API: four ways to accept payments online. They map to three possible PCI DSS scopes (SAQ A, A-EP, D) and to four levels of customization and impact on conversion. This course compares the approaches, with PSP examples and a decision grid, so you can pick the right payment page architecture.

The income statement tells you whether you are making money. Cash tells you whether you will survive. This course covers cash forecasts built on payment data, PSP settlement times, reserves and funds in transit, working capital and the cash conversion cycle, cash pooling, TMS, and short-term investments.

Around $900 billion in remittances crosses borders every year. This course explains who sends that money, what it costs, and why the UN is targeting 3%. Western Union, Wise, mobile money, SWIFT gpi, stablecoins, and Project Nexus are all competing for these corridors.

AI agents now do the shopping. This course explains how a machine buys on your behalf: the protocols (AP2, ACP, x402, pay-per-crawl), how Visa and Mastercard are responding, cryptographic mandates, and where things stand in 2026.

Checkout is the last mile of the sale, and 70% of carts are lost there. This course breaks down friction, field order, the wallets-first strategy, guest checkout, and mobile. It then covers turning decline codes into useful messages, rigorous A/B testing, and accessibility. Baymard benchmarks run through the whole course.

The decision course for product managers and architects who see shopping agents coming. Assess a protocol’s real maturity from public evidence, specify an enforceable mandate and the evidence package behind it, wire agent recognition into your site’s front door, defuse the six failures that break an agentic checkout, negotiate liability with your acquirer, cost out an order, then sort the work into no-regret investments and protocol bets.

The multi-currency treasurer's job, step by step. Map your exposure currency by currency, rebuild a provider's effective rate and price its hidden markup in basis points, decide whether to enable dynamic currency conversion, and sign off the screen. Then negotiate the five clauses of a local collection agreement, calibrate a hedging policy, handle a repatriation under exchange controls, and run the dashboard that makes costs comparable.

A field manual for compliance officers opening new markets. It covers classifying a service before applying for a license; choosing between your own license, agent status, and a licensed partner; knowing what passporting does not cover; building a KYC matrix market by market; tuning a sanctions screening program; mapping where data is stored; meeting platform reporting obligations; and building a licensing timeline that does not slip.

Managing payment data for a company that operates across continents. Define the PCI DSS scope and shrink it, choose between vault tokens and network tokens, and apply the Indian, Chinese, and Indonesian localization regimes without mixing them up. Pick the GDPR Chapter V transfer instrument, build a country-by-country retention matrix, then produce the evidence a Qualified Security Assessor asks for.

The complete playbook for a head of payments who has to launch a country they don't know. Build the market's payments profile: regulator, operator, rails, domestic scheme, and foreign exchange regime. Pick local methods based on actual usage, not on a provider's catalog. Choose between cross-border acquiring, a local entity, and a merchant of record. Nail down licensing, safeguarding, and repatriation, plan ahead for mandatory e-invoicing, and avoid the six mistakes that cost a quarter.

A handbook for risk managers who operate across several markets. Build a rule matrix by rail and liability regime, calibrate a threshold on the cost of false positives and false negatives, and run a UK claims desk for authorized push payment (APP) fraud within its five-business-day deadline. Then tune the controls that actually work on instant payments, decide when to turn on 3-D Secure in a market without mandatory strong authentication, and read a decline rate without getting the denominator wrong.

The engineering work behind account-to-account collection on your market's rail: choosing between push and request to pay, resolving an alias without hitting the wrong account, building an idempotent notification consumer, reconciling a credit to the second, refunding on a rail with no chargebacks, and classifying failures so you never pay twice.

The job of a payments manager who negotiates acquiring, step by step. Build a usable cost base, unpack an interchange++ statement line, trace the gap between the gross submitted and the net settled, identify the regime that applies to each transaction, set up least-cost routing without losing approvals, and decide on a compliant surcharge where surcharging is allowed. Then run an RFP priced on your own data and write the clauses that make the agreement enforceable.

The operating manual for a marketplace that sells in one country and pays sellers in fifteen. Set up the chart of accounts and the split engine, wire the safeguarding account and its daily reconciliation, and put numbers on the choice between a licensed partner and your own license. Then collect the right business identifier in each market, set the payout schedule against the dispute window, work a three-party dispute, and produce the DAC7 and 1099-K extracts from a single ledger.

The day-to-day craft of spreading payment acceptance across several providers, step by step. Work out the volume at which a second PSP pays for itself, write a routing rule that weighs cost and approval rates in the same unit, wire up failover without creating double charges, normalize decline codes into an action table that complies with Visa and Mastercard rules, and schedule retries that stay clear of excessive-attempt fees. Then measure the gain against a control group and put a price on what the orchestration layer really costs, token vault included.

Close the books when your company collects payments in 10 countries. Read a camt.053, a BAI2, a CNAB 240, and a CFONB120 without picking the wrong field. Match an acquirer settlement report to the incoming transfer, choose between booking date and value date, reconcile a mobile money collection, and account for foreign exchange under IAS 21. Then automate without losing the audit trail.

A move-by-move program for winning back declined revenue. Break a rate down to the level where someone owns it, qualify a response code before acting, write a retry policy that stays within the Visa and Mastercard caps, deploy network tokens and measure their effect honestly, run an account updater, and set up authentication where it pays. Then build the dashboard that alerts on a mix of codes, not on a rate.

A playbook for a PSP or fintech weighing a stablecoin rail. Decide whether the token actually solves the merchant's problem, vet the issuer as you would a bank counterparty, assess the corridor under MiCA, the GENIUS Act, and the Asian regimes, cost the on- and off-ramps line by line, choose a custody model, wire the controls an irreversible payout demands, then reconcile and pass the audit. An operational skill, not a market overview.

How a transit operator collects fare revenue, end to end. Price the trade-off between open loop and closed loop, split a validation budget of under 500 ms, wire the three pillars of a transit transaction (offline authentication, no cardholder verification, deferred authorization), write a capping rule that stands up to rider disputes, contain first-ride losses, and then put all of it into contracts with an acquirer and a systems integrator.

The multi-country treasurer’s job, step by step. Map your corridors, send an ISO 20022 payment order that goes through the first time, choose between OUR, SHA, and BEN, calculate a landed cost, track a payment by its UETR, and open an investigation. Then choose between a correspondent bank, a fintech with local accounts, and a regional rail, secure collections and repatriation, and get through sanctions screening without blocking your own flows.

A complete typology of payment fraud: stolen cards, card testing and BIN attacks, friendly fraud, ATO, triangulation, and refund abuse. Scoring signals and features, rules vs. machine learning, and the tools on the market. Targeted 3DS and exemptions, fraud team KPIs, and a crisis management playbook.

The card data security standard, end to end. Define your CDE scope, master the 12 requirements of v4.0.x, and pick the right SAQ for your merchant level. Shrink scope drastically (tokenization, iframes, redirects, P2PE), counter Magecart web skimming (6.4.3/11.6.1), run ASV scans and pentests, and handle an incident without sinking the company.

Expert-level acceptance: segmentation by BIN and by issuer, issuer-friendly data, network tokens, fine-tuned SCA exemptions, smart retries, and multi-acquirer routing. The course closes with how to measure uplift, covering the methodology and case studies with real numbers.

Design and run an expert-grade subscription system: billing architecture (trials, proration), the CIT/MIT framework, fighting involuntary churn, advanced dunning, and account updaters. The course ends with PSP migration and token portability, and with managing the business by its metrics.

Selling in 25 currencies without watching FX eat your margin. Presentment vs. settlement currency, the chain of FX markups, how DCC works and where it goes wrong, the transparency required by Regulation (EU) 2019/518, like-for-like settlement, FX risk hedging, and international price lists.

An attack is underway: a card testing burst, mass account takeover, or a data breach. This course walks through a payments team’s full response. Detect within minutes, activate the war room, and deploy graduated emergency measures (risk rules, forced 3DS, BIN blocking). Then notify banks, schemes, the CNIL (France’s data protection authority), and customers on time, and turn the crisis into a tested resilience plan.

Visa Core Rules and Mastercard Rules are the private law that governs card acceptance. This course breaks down data integrity (MCC, descriptor), the rules on brand display and surcharging, and the integrity and monitoring programs (VIRP, BRAM, VAMP, ECM). It then explains how fines work, what the MATCH list is, and how merchants, PSPs and acquirers build compliance that lasts.

Travel, ticketing, crypto, CBD, iGaming, nutraceuticals: why these verticals are classified as high risk, what that costs (reserves, a higher MSC, specialist acquirers), and how to stay bankable over the long term.

The operating guide for merchants and PSPs: make your catalog readable by agents (feeds, schema.org, MCP), identify and accept an agent (Web Bot Auth, KYA, delegated tokens), manage fraud and disputes, deploy x402, then roll out a roadmap and governance.

USDT, USDC, EURC, PYUSD: how a stablecoin really works (issuance, reserves, redemption), what MiCA and the GENIUS Act change, and where the advantage is proven (cross-border B2B, settlement, remittances, AI agent payments). How money moves on and off chain. And why Visa, Mastercard, and PayPal decided not to sit on the sidelines.

How artificial intelligence became the core of payment fraud detection. The raw material (features and weak signals), how models evolved (rules, gradient boosting, graphs), real-time scoring at authorization, and the trade-off between fraud losses and false declines. Then the chargeback feedback loop, the generative AI counterattack by fraudsters (deepfakes, AI-assisted fraud), the tooling landscape, and the governance of an automated decision model (explainability, GDPR, the AI Act).

From the Lydian coin to instant payments. The course covers the five main payment methods, the ecosystem and its players, and the four-corner model. It then walks through the life of a card transaction end to end, the key figures for France and Europe, and the basics of regulation (SEPA, PSD2, SCA).

SEPA in practice, end to end: the 41-country area, the anatomy of IBANs and BICs, and standard versus instant credit transfers (the 2025 IPR deadlines, Verification of Payee). Then Core and B2B direct debits with their mandates and dispute windows, R-transactions, the pain.001/pain.008 formats, and the mistakes that cost dearly in production.

Fees outside the euro area, dynamic currency conversion (DCC) and why you should always refuse it, smart ATM withdrawals, choosing the right card, limits, and security: a complete guide to paying abroad without getting fleeced. Includes a ready-to-use pre-departure checklist.

The operating manual for a business collecting payments in Kenya, Nigeria, Ghana, South Africa, or the WAEMU zone (West African Economic and Monetary Union). Pick the rail that actually carries the volume, build a mobile money collection flow that survives lost callbacks, design a USSD flow that holds up, choose between an aggregator and a direct integration, work out the full cost of a collection, secure licensing, FX, and repatriation, then go live without falling into the local failure modes.

The Southern Cone playbook for a merchant launching in both countries: wiring up Argentina's transfer-based payments and reading their regulated pricing, telling CBU, CVU, and alias apart, pricing an installment sale (cuotas) on both sides of the Andes, integrating Webpay Plus and its abono (payout) calendar, collecting payments in Chile without a public instant rail, and then invoicing and repatriating funds under ARCA and the SII.

Launch in Oceania without repeating the classic integration mistakes. Name the right NPP overlay when you talk to your bank, wire up a PayTo mandate and rework your dunning logic, produce a compliant BECS batch, audit the least-cost routing the RBA mandates, reprice before Australia’s surcharging ban, and write New Zealand timelines that hold up without an instant rail.

A playbook for an online merchant expanding into the Andes. Choose between Bre-B, PSE, and cards in Bogotá, connect Yape, Plin, and the CIP code in Lima, and reserve your merchant llaves. Wire up DIAN prior validation and the SUNAT resumen diario, cost out a 1.5% withholding and a 0.005% ITF, then investigate a decline and an unrecognized transaction without relying on a chargeback that doesn’t exist.

An operating manual for German-speaking Europe, written for merchants entering the market. Build each country’s payment method list and calculate its true cost, set up Kauf auf Rechnung (buy now, pay by invoice) and decide on the guarantee, negotiate the two contracts behind acceptance of girocard (Germany’s domestic debit scheme), wire direct debit into four mandate regimes, choose between eps, Klarna, PayPal, and TWINT based on the guarantee each provides, and manage three VAT regimes and the e-invoicing timeline.

A practical playbook for accepting payments in North Africa. Wire Meeza, InstaPay, and a cash-in network into a single Egyptian checkout, accept a telecom wallet knowing who actually issues it, negotiate a Moroccan acquiring contract now that CMI's monopoly is over, price cash on delivery instead of absorbing it, get your margin out under exchange controls, and connect to e-invoicing before it blocks you from issuing invoices.

A practical operating manual for the Iberian Peninsula, written for online merchants launching in both countries. Build two separate checkouts and rank payment methods by their true cost, wire up the Spanish gateway without breaking reconciliation, get Bizum enabled on an acquiring contract, issue and expire a Multibanco reference, connect MB WAY, cost out a payment mix, meet statutory payment terms, diagnose a decline, and track the two e-invoicing timetables.

An operating manual for Saudi Arabia, the UAE, and Kuwait: routing a transaction over mada under the local processing requirement, working behind KNET, wiring up Aani and its aliases, pricing Tabby and Tamara installments against cash on delivery, choosing between your own license and a licensed acquirer, and connecting ZATCA e-invoicing before it blocks the sale.

A playbook for e-commerce merchants entering Southeast Asia through its two largest payment markets. Wire up QRIS and PromptPay without mixing them up, connect virtual accounts and manual bank transfers, and accept GoPay, OVO, and DANA without four separate integrations. Cost out a cash-on-delivery order and manage its return loop. Check the GPN requirement and determine your licensing status with Bank Indonesia and the Bank of Thailand.

The operating manual for a foreign brand that wants to get paid in Tokyo and Seoul. Settle your acceptance route before you pick a provider, audit Japan's published interchange, connect PayPay through the right channel, wire up konbini and deferred payment, spec a terminal that reads FeliCa, calculate Korea's regulated merchant fee, and make a Zengin file in half-width katakana run reliably.

An East African payment collection project, from picking the rail to repatriating the funds. You will choose between a paybill, a till, and Pochi la Biashara based on the reconciliation key you need, wire up Daraja from the OAuth token to the merchant statement, treat a callback as a signal rather than proof, sweep the balance to the bank over PesaLink, work out the all-in cost including excise duty, and pick the central bank license that actually covers what you plan to do.

A collection project, from the currency question to repatriation. Choose the rail the market actually runs on, wire up NIP instant transfers with virtual accounts, weigh Verve, AfriGO, and GIM-UEMOA against each other, compare Paystack and Flutterwave on a fully costed basis, design a USSD flow that survives the session, and plan how funds leave the country under exchange controls.

An operating playbook for the Netherlands and Belgium, for merchants launching in Benelux. Build each country's payment method lineup and work out its true cost, integrate iDEAL and prepare for the move to Wero, set up Bancontact online and in store, run card-free recurring billing through domiciliëring and incasso, issue refunds on a rail with no refund function, and handle destination-country VAT and the One-Stop Shop (OSS).

The operating playbook for Sweden, Norway, Denmark, and Finland. Get BankID or MitID access before writing a single line of code, integrate Swish, Vipps, and MobilePay knowing which rail carries each payment, route co-badged cards to Dankort or BankAxept at the right cost, collect recurring payments in kronor and kroner without a SEPA mandate, and manage settlement times that vary from country to country.

An operating manual for four markets where cards are not the main rail. Build your payment mix country by country, wire up BLIK and its short-lived code, set up Polish pay-by-link acquiring, and accept payments through Hungary’s standardized QR code, Czech QR Platba, and RoPay. Then cost out Romanian cash on delivery and stay compliant with KSeF, RO e-Factura, and NAV Online Számla while configuring four non-euro currencies.

A practical guide to accepting payments in the five largest ASEAN markets. Choose your entry point market by market, integrate a national QR code in dynamic mode, and connect the super-app wallets. Price out a cash-on-delivery order, check licensing and domestic routing before you launch, then reconcile collections in five currencies. Figures from Bank Indonesia, the Bank of Thailand, PayNet, MAS, BSP, and the Worldpay Global Payments Report 2026.

Why a marketplace cannot freely collect its sellers’ money: PSD2 and licensing, safeguarding of funds, seller KYC, splits and commissions, escrow and payouts, the main providers (Mangopay, Lemonway, Stripe Connect, Adyen for Platforms), multi-seller disputes, the Vinted and Leboncoin model, and DAC7 tax reporting.

From PSD2 to pay by bank: AISP and PISP roles, how bank APIs really work (Berlin Group, STET), the payment initiation journey with redirect and SCA, and Verification of Payee. Then an unsparing comparison with cards (cost, irrevocability, disputes), the main players (Tink, TrueLayer, Token.io, Powens), Wero and EPI, the use cases that pay, and the outlook for PSD3, the PSR, and FIDA.

A one-hour course on why and how Europe regulates payments: PI and EMI status and licensing, what PSD2 introduced (open banking, SCA and its exemptions, liability under L. 133-18), the IFR interchange caps and brand choice, the 2024 instant payments regulation and Verification of Payee, and MiCA and DORA in brief. It then covers the PSD3/PSR package: what it changes, the 2026–2028 timeline, and the practical impact on a merchant or a fintech.

Move from accepting whatever pricing you are given to managing your cost of acceptance. Break down the MSC (interchange, scheme fees, margin), choose between blended and Interchange++ pricing, and pinpoint the lines that are actually negotiable (minimums, PCI fee, chargeback fee). Benchmark yourself by volume, run a multi-PSP RFP, and sidestep contract traps.

IBANs, card numbers, and transaction histories are among the most revealing personal data there is. This course applies the GDPR to the payment chain: legal bases, data minimization, retention periods (13 or 15 months, the CVV), how to classify a PSP (processor or controller?), transfers outside the EU, data breaches, and how the GDPR fits with PCI DSS, drawing on guidance from the CNIL, France's data protection authority.

Everything a marketplace founder needs to master on the payments side: why collecting funds on behalf of third parties is a regulated activity, the three routes to compliance (a license, an exemption, a regulated partner), how to choose a provider (Mangopay, Lemonway, Stripe Connect, Adyen for Platforms), seller KYB, flow architecture (safeguarding, escrow, splits, payouts), dispute management, DAC7 obligations, and the go-live checklist.

Payments are the nervous system of a SaaS business: choosing a self-serve or sales-led model, the billing engine (Stripe Billing, Chargebee, Recurly, Zuora), free trials and freemium, EU VAT under OSS and US sales tax, dunning and involuntary churn, international expansion, MRR/churn/NRR metrics, and the embedded payments opportunity.

An overview of payments in Africa: the mobile money leapfrog (M-Pesa, MTN MoMo, Orange Money), the infrastructure fintechs (Flutterwave, Paystack, Fawry, Interswitch), domestic card schemes (Verve), instant rails, and cross-border payments through PAPSS. Figures from the GSMA and the World Bank, 2024–2025.

An overview of payments in Asia: China’s super-app duopoly (Alipay, WeChat Pay) versus India’s public rail (UPI), ASEAN’s QR interconnections (PayNow↔PromptPay, Project Nexus), Japan and Korea, the UnionPay, JCB, and RuPay card schemes, and the lessons for Europe. Figures from NPCI, GSMA, and METI, 2024–2025.

Brazil has Pix, Mexico has its OXXO vouchers, Argentina has Mercado Pago. This course breaks down the rails, players, and habits of a continent that reinvented payments without waiting for the card.

Why 137 countries are exploring a central bank digital currency, how the ECB designed the digital euro (intermediated model, holding limits, offline mode, privacy), and where the timeline and the legislation stand. What banks fear, and what China’s e-CNY and the Bahamas’ Sand Dollar teach us. And what it all means in practice for a PSP or a merchant.

The authorization application, seen from the headquarters of the company filing it. Determine your status before comparing countries; choose between Luxembourg, Ireland, Lithuania, Malta, and the Netherlands on verifiable criteria; build the local substance that supervisors inspect; measure what the passport carries and what it leaves to the host country; set up safeguarding that survives a liquidation; cost the project from published fee schedules; and avoid the mistakes that sink an application.

Master strong customer authentication end to end: the PSD2 framework, 3DS2 frictionless and challenge mechanics, the liability shift, every RTS exemption, handling 65/1A soft declines, and managing your payment success rate.

Trace every euro from the order to the general ledger: the three levels of reconciliation, PSP settlement reports, MT940/942, camt.052/053/054, CFONB120, pain.001/pain.008, EBICS/SwiftNet/API channels, the matching engine, exceptions, and KPIs. With annotated excerpts from real files.

The go-to course on anti-money laundering and counter-terrorist financing (AML/CFT) in payments: KYC for individuals, KYB for businesses and their beneficial owners, PEPs, sanctions and asset freezes, ongoing monitoring, suspicious activity reports to TRACFIN (France’s financial intelligence unit), and the risk-based approach. It also covers the 2024 EU AML package and the daily screening required by the Instant Payments Regulation.

Payments are shifting from the “pull” model, where the payee draws the funds, to the “request” model, where the payee asks and the payer decides. This course breaks down the EPC’s SEPA Request-to-Pay scheme, how it differs from direct debit, and its real-world use cases. It then covers Request-to-Pay as delivered by Wero and EPI, the UK’s Variable Recurring Payments (sweeping and commercial), the groundwork laid by instant credit transfers and Verification of Payee, and a reasoned comparison of the major rails (SCT Inst, VRP, Pix, UPI).

A survival kit for support agents facing payment disputes. Learn to diagnose a dispute (true fraud, friendly fraud, or consumer dispute), defuse it before it becomes a chargeback with a well-judged proactive refund, and use response scripts that calm customers down. Know the legal and card network deadlines, escalate to the bank or the PSP at the right time, build the evidence file, and track the right metrics.

Phishing, fake bank advisors, skimming, transfer fraud: this course for everyday consumers covers every major payment scam and the concrete habits that protect you from them. Set up your card, understand 3-D Secure, respond to an unrecognized debit, and protect your family, with the legal deadlines and the right contacts.

A refund is not a failure. It is a management decision. This course covers how refunds and voids work and how long they take for each payment method, the hidden costs, and how to write a clear, compliant refund policy. It then covers proactive refunds as a chargeback-prevention tool, the accounting for store credit and credit notes, and how to fight refund fraud.

Payments is invisible to the general public, but it has a huge appetite for talent: product, risk, operations, compliance, PSP sales, card processing, treasury. This course maps the roles, the skills employers expect, and salary ranges in France in 2026. It reviews the certifications that matter and the practical ways into the industry, whether you come from tech, banking, retail, or elsewhere.

Your bank statement is a technical document nobody ever taught you to read, and your bank fees are often buried in it. This course decodes the account statement line by line and walks through the catalog of fees: account maintenance, payment incidents, overdrafts, and spending abroad. It explains the mandatory annual fee statement, and details the legal caps and the special offer for financially vulnerable customers. Finally, it shows how to compare, negotiate, and switch banks using France's bank switching service.

The operating manual for Latin America's largest payments market. Choose between Pix, parcelado card installments, and boleto; wire up the official Pix API (Pix key, BR Code, txid, webhook); build subscriptions on Pix Automático; work out the real cost of an installment sale, antecipação (receivables advance) included; negotiate with acquirers in the world's most competitive market; pick a collection setup; and diagnose the most common declines.

The operating manual for the Canadian market, written for the team launching it. Route each payment flow to the right rail, work out acceptance costs from Interac’s published rate card, audit an acquiring contract against the 13 elements of the Code of Conduct, set up a pre-authorized debit without mistaking a fast experience for final settlement, place the Real-Time Rail in your plan without counting on it for revenue, configure sales tax province by province, and make a checkout compliant in Quebec.

The operating manual for the UK market. Wire up Faster Payments and pay-by-bank, set up Direct Debit with or without a Service User Number, work out what a card really costs since Brexit, absorb the mandatory reimbursement regime for APP fraud, choose your FCA status, and safeguard your funds. This course is for making decisions and connecting systems, not for memorizing a country profile.

The operating manual for the world's largest instant payments market. Choose an aggregator the RBI has actually authorized, wire UPI in intent mode rather than collect, and build a cost model for a market where the law sets the merchant fee at zero. Then accept cards under mandatory tokenization, set up e-NACH or UPI AutoPay mandates that don't break, and pass the compliance review on data localization.

A hands-on playbook for merchants entering the Italian market. Settle your tax status before choosing a provider. Build a payment mix of BANCOMAT, Satispay, PayPal, and Postepay, then work out its weighted cost. Negotiate unblended acquiring pricing with a dominant acquirer. Set up a compliant counter, from the registratore telematico (Italy's online cash register) to POS pairing. Run fatturazione elettronica without blocking rejections, connect public-sector collections to pagoPA, and reconcile on the IUV.

The operating manual for Latin America’s second-largest payments market. How to choose between SPEI, cards, and cash at the counter, set up a virtual CLABE and validate its check digit, run OXXO cash collection at scale, price the true cost of meses sin intereses (interest-free installments), issue a CFDI 4.0 invoice that clears timbrado (tax stamping), pick an acquiring setup, and diagnose a deteriorating decline rate.

The operating playbook for Europe's densest card market. Choose an acceptance setup when Turkish law reserves payment services for entities established in Turkey, wire taksit into the authorization message itself, cost a sale at the commission cap set by the TCMB (Turkey's central bank) while discounting the settlement schedule, get TROY certified, connect FAST and TR Karekod at the right cap, audit a Turkish partner against the central bank's registers, then move funds out without breaking the lira rule.

An operational playbook for payments teams entering the US market. Choose a legal structure and a PSP, work out acceptance cost by card type, capture least-cost debit routing, set up ACH debits that don’t come back 60 days later, choose between RTP, FedNow, and Zelle, win disputes under Regulation Z, and protect your authorization rate in a country with no mandatory strong customer authentication.

Setting up payment acceptance in South Africa, from choosing channels to repatriating funds. Read the market before opening a rail, integrate PayShap and its request to pay, work out the true cost of a card transaction from the central bank’s interchange schedule, choose among DebiCheck, Registered Mandate, and EFT debit orders for recurring collections, weigh cards against bank-initiated payments, work with cash rather than against it, and then deal with exchange control and your provider’s regulatory status.

Follow a card transaction step by step, from checkout to authorization (ISO 8583, response codes), capture and batching, clearing, and settlement. Then break down the fees, weigh CB (France's domestic card scheme) against Visa/Mastercard on a co-badged card, and work through the merchant statement, reconciliation, and incident handling.

The hands-on guide to accepting card payments in store: the merchant agreement, choosing a terminal (countertop, portable, mobile, SoftPOS), and the French protocols (CB 6.0/FRV6, nexo, CB2A). Then MCC, currency, tipping, and pre-authorization settings; contactless and its limits; end-of-day batch uploads and deposits; receipts; outages and fallback mode; and how to calculate the total cost of a POS terminal.

An accounting guide to collecting payments: the standard entries for a card sale, PSP fees, a refund, and a chargeback. How to use accounts 511, 471, and 580 correctly, the VAT treatment of payment fees, matching, and reconciliation. The monthly close, and the special case of marketplaces holding safeguarded third-party funds.

Pix from the engine room, for teams that collect at volume. Resolve a Pix key without draining your DICT token bucket, defend your keys against an ownership claim, choose between a static QR code, cob and cobv, wire up the fixed schedule of Pix Automático, handle a refund (devolução) and answer an infraction report, anchor reconciliation on the EndToEndId, keep collecting through night-time limits, and put the DICT's fraud statistics to work.

The operating manual for a foreign brand that wants to get paid in mainland China. Choose between the cross-border regime and an onshore entity, check an acquirer’s license and foreign exchange registration, connect Alipay and WeChat Pay on the right channel, understand why an order dies at customs, work out the full cost including taxes, and repatriate funds and data without being stopped by SAFE (the State Administration of Foreign Exchange) or the CAC (the Cyberspace Administration of China).

An engineering course on India's UPI rail for teams already running UPI volume. Learn to read the status triplet NPCI returns, instrument the loss specific to collect, validate a virtual address against the central mapper, and set up an AutoPay mandate that survives its execution windows. Then run an idempotent webhook consumer under the polling discipline imposed since 2025, reconcile 12 settlement cycles, and turn an NPCI decline code into a retry decision.

A complete tour of business-to-business payments: commercial and instant credit transfers, corporate and virtual cards, factoring, LME payment terms, the 2026–2027 e-invoicing rollout, and treasury netting.