Digital gift cards in Apple Wallet and Google Wallet: setup and redemption
A gift card in a phone wallet is a pass with a balance. Here is what it takes to issue one and how redemption behaves in store.
Payments & Fintech
Payment networks, fintech innovation, BNPL, crypto payments, and POS technology covering global commerce.
Gift card fraud: draining, cloning and the controls that stop it
Gift card fraud is mostly a handful of repeatable attacks. Knowing the pattern makes the control obvious and cheap.
Gift card breakage: the accounting behind balances nobody redeems
Breakage looks like free money until the accounting and unclaimed property rules get involved. Here is how it actually works.
Gift cards and stored value: how retail programs really work
Gift cards are float, marketing and a liability at the same time. This guide covers issuing, redeeming, accounting and fraud in one place.
Klarna Goes Live on J.P. Morgan Payments, Opening BNPL Checkout to U.S. Merchants
Klarna’s flexible payment options went live on J.P. Morgan Payments’ Commerce Platform on August 6, 2026, giving U.S. merchants a way to add buy now, …
Tap to Pay on iPhone and Android for small retailers
Phone-based contactless removes the terminal from small retail. Here is where it genuinely works and where it does not.
POS offline mode: what happens when the store loses internet
Connectivity fails on the busiest days. This is what your POS does offline and what your staff need to do about it.
In-store pay later: how BNPL works at the physical checkout
In-store BNPL runs on different plumbing than online. Here are the flows, the staff training gaps and the queue cost.
BNPL merchant fees compared with card and wallet costs
BNPL fees only make sense against incremental revenue. Here is the fee comparison and the test that shows whether it is incremental.
BNPL refunds and disputes: what happens when an order goes wrong
Returns and disputes on BNPL orders follow the provider’s rules, not the card network’s. Here is what merchants need to get right.