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Articles by Masha Cilliers
How Europe pays: The real cost of one-size-fits-all payments
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Payment Optimization: How to Find the Revenue Hiding in Your Payments Data
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Reclaim Working Capital with AI-Powered Payments Infrastructure
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Beyond tax: what it really takes to grow digital goods across borders
Daniela Ceobanu 14 May 2026 / 5 Min Read Is global growth creating more friction than revenue? The digital goods market is growing fast. It was valued at USD 124.32B in 2025 and is projected to surpass USD 511B by 2031. But for SaaS, streaming, e-learning, software, and gaming brands, international expansion is rarely held back by demand alone. More often, growth slows at the point where payments, tax, compliance, and localisation start to collide.
Card acceptance and PCI compliance: flexibility, control, and data ownership
Daniela Ceobanu 25 May 2026 / 5 Min Read Most teams approach card acceptance solely through the lens of compliance. What they often don't realise is that these architectural decisions have consequences far beyond compliance: PSP lock-in, orchestration limitations, and no ownership of card data. Whether you're a merchant accepting payments directly or a service provider supporting card flows for others, the same six architectures are on the table.
PCI DSS 4.0: Building Merchant Trust in the Next Era of Compliance
CH Cosmina Hrisca 27 Mar 2026 / 5 Min Read Compliance is shifting from static audits to continuous monitoring. PCI DSS 4.0 introduces new requirements that affect how payment providers protect merchants and manage compliance across their portfolios. At the same time, European payment companies operate in a highly regulated environment, with strict expectations from regulators, card schemes, and merchants.
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