Blog
Notes on payments, product & engineering
Practical writing from the team building Paytab — merchant playbooks, engineering post-mortems and commentary on the UK payments landscape.
Getting SCA exemptions right in 2026
How to structure your checkout to maximise TRA and low-value exemptions without inflating chargebacks.
When Open Banking beats cards on total cost
A breakdown of the true per-transaction economics once refunds, chargebacks and reconciliation time are included.
How we shipped 60-second payouts on Faster Payments
The architecture behind our new payout scheduler, the failure modes we hit, and what we'd do differently.
3DS friction benchmarks across UK issuers
We ran 50,000 real transactions through UK issuers to measure step-up rates. Here's what we found.
Introducing Webhooks v3
Signed payloads, at-least-once delivery, replay tooling and structured retry backoff.
Behind the Paytab fraud network
How consortium signals from 12,000 merchants let us catch card-testing rings in under 90 seconds.
What we look for in Staff Engineer interviews
Our loop is four rounds, four hours total. Here's exactly what each one tests and why.
PSD3 and PSR: what changes for merchants
Our plain-English read of the draft text, and what we're doing to prepare our merchants.
Checkout conversion benchmarks 2025
Median conversion by industry, device and payment method, from our annual state of UK checkout report.
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