HOW TO: Design Your Billing Architecture
Billing architecture is the foundation of a scalable fintech or SaaS business. Modern billing systems must support flexible pricing models, usage based billing, global payments, and accurate revenue reporting without creating operational drag. This guide explains how to design a best in class billing architecture by treating billing as core infrastructure, separating billing from payments, building observability into revenue flows, and minimizing manual intervention. Built for subscription and usage driven businesses, it outlines the principles payments leaders use to create billing systems that scale, reduce revenue leakage, and improve customer trust.
AI Infrastructure vs Clean Energy
As AI workloads scale, energy is becoming one of the most critical constraints in technology infrastructure. Alphabet’s acquisition of clean energy developer Intersect Power highlights a broader shift: reliable, scalable power is now foundational to AI performance and economics. This article explores why renewables paired with storage make sense both technically and ethically, how clean energy aligns better with modern compute than legacy fossil infrastructure, and why powering AI responsibly is quickly becoming a baseline expectation, not a branding choice, in the AI era.
HOW TO: Design an Intelligent Retry Strategy (Without Tanking LTV)
Learn how to design an intelligent payment retry strategy that maximizes authorization recovery without harming customer lifetime value. This guide covers time based vs behavior based retries, issuer cadence, customer fatigue risks, recommended retry windows, and real world retry sequence examples.
A field guide to payment method strategy (2026 edition)
In 2025, payment strategy is about friction reduction, not preference. Wallets now lead checkout conversion, cards require optimization to perform, and bank pay, BNPL, regional methods, and stablecoins play targeted roles. The best payment stacks surface the right methods at the right moment, and stay invisible to the customer.
PayPal Filed for a US Bank Charter. Here’s What That Actually Means.
PayPal has applied to form a U.S. bank through an Industrial Loan Company (ILC) charter, a move that signals a deeper shift in fintech infrastructure rather than a pivot to traditional banking. This article breaks down what a bank charter actually means, why PayPal is pursuing it now, and how it could impact users, merchants, and the future of payments. From regulatory timing to embedded lending and agentic commerce, PayPal’s filing highlights how payments, banking, and software are increasingly converging into a single financial operating system.
HOW to: Diagnose a Sudden Drop in Payment Authorization Rates
A sudden drop in payment authorization rates can quietly drain revenue. This step by step guide walks through how to diagnose auth failures using issuer response codes, BIN analysis, network token utilization, customer segmentation, SCA friction, and retry optimization, so teams can recover revenue methodically, not reactively.
The Internet Was Built for Humans. The Next Economy Won’t Be.
AI agents are about to reshape digital commerce, but the internet isn’t built for them. Here’s what needs to change, from identity and payments to risk and API design, to support the next machine native economy.
Whether or not you like it, AI is here to stay. So the real question is: how do we use it ethically?
AI is no longer emerging technology; it’s core infrastructure reshaping how modern companies operate. Drawing on insights from OpenAI’s State of Enterprise AI report, this article explores why responsible, ethical AI adoption matters more than ever, and how biased systems like Elon Musk’s Grok illustrate the risks of ungoverned AI. Learn what enterprises are doing right, the best practices that reduce bias and improve transparency, and why the future of AI must be built with intention, accountability, and strong ethical foundations.
Stripe Acquires Metronome — Here’s Why It Matters (And Why It’s a Smart Move)
Stripe’s acquisition of Metronome signals a major shift toward usage based and AI native billing. Here’s why the deal matters and what it means for the future of software monetization.