Author name: Vibhu Arya @ Paymentspedia

Vibhu Arya is a fintech and payments expert with 15+ years of experience simplifying how money moves across digital and retail ecosystems. He’s led strategy and partnerships at Citibank, Adyen, and IKEA, and helped scale fintech startups (Snapdeal, iPaylinks) to $1B+ valuations. Vibhu’s expertise spans cards, crypto, cross-border, and real-time payments. He is the founder of PaymentsPedia.com, where he writes about the future of payments. 📧 vibhu@paymentspedia.com | LinkedIn

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AWS of Web3: Top Platforms Powering the Next Generation of Crypto Apps

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🪄 Web3 Needs a Backend Too Crypto may be all about decentralization—but building an actual dApp? That still needs infrastructure.As […]

Crypto I Blockchain

Paymentspedia Explainer: Stablecoins and the Rise of PYUSD

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Discover how stablecoins like USDC, USDT, and PYUSD work. Compare strengths, use cases, and risks in this in-depth PaymentsPedia explainer.

Crypto I Blockchain

The Future of Crypto Payments: Complement, Not Replace

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Explore the future of crypto payments — from stablecoins-as-a-service to programmable money and wallet abstraction. Learn why crypto won’t replace traditional payments, but will power what comes next.

Crypto I Blockchain

Crypto Payments – Use Cases & Adoption

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While the technology powering crypto paymentsCrypto Payments crypto-payments Payments made using cryptocurrencies such as Bitcoin, Ethereum, or stablecoins, often processed

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Indonesia – State of Payments (2025)

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Indonesia—Southeast Asia’s largest economy and fourth-most populous nation—is leapfrogging cards and banking to become one of the most vibrant digital

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Nexus Global Payments: Advancing Cross-Border Payment Solutions

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Imagine a world where international payments are as seamless, secure, and instant as domestic transactionsTransactions transactions Interactions where value is

Crypto I Blockchain

The Modern Crypto Payments Stack: Key Layers Powering Adoption

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To understand the growing role of crypto in real-world transactionsTransactions transactions Interactions where value is exchanged for goods or services.,

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Payment Authentication: A Critical Step in the Payment Journey

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In every digital or card-based transaction, a series of events unfold behind the scenes—authenticationAuthentication authentication A security process used to

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Error Handling – Single Payment Gateway & Single Acquirer

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While payment orchestration provides redundancy, flexibility, and failover capabilities, many mid-sized retailers or startups initially integrate with a single payment gateway connected to a single acquiring bank for simplicity, speed of integration, or cost minimization.However, this architecture introduces several risks and limitations in case of transaction errors.

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Intelligent Error Handling in Payment Orchestration: A Deep Dive

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Payment orchestration is not just about routing—it’s about building intelligent, resilient, and risk-aware infrastructure that keeps payments flowing even under adverse conditions. By combining:Real-time error detection,Smart retry logic,BIN-level routing optimization,Cost thresholds, andPre-negotiated PSP contracts,

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Deep Dive: Payments Orchestration

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✨ What Is Payments Orchestration? Payments orchestration refers to the intelligent management of multiple payment service providers (PSPs), gateways, fraudFraud

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Exploring multilateral platforms for cross-border payments: BIS Report Jan’23

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“Multilateral [payment] platforms could play a key role in alleviating the frictions of cross-border payments and achieving the global targets

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Mastercard Network

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MastercardMasterCard mastercard A global payments network enabling electronic transactions between banks, merchants, and cardholders.’s Payment Network: Mastercard Network (previously Banknet)

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PG vs PSP vs ISO vs PayFac vs Payment Aggregator

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Payment GatewayGateway gateway A service that authorizes and processes card payments for online merchants. Examples include Stripe, Adyen, and PayPal.

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Mastercard’s Chargeback and Fraud Monitoring Programs

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MastercardMasterCard mastercard A global payments network enabling electronic transactions between banks, merchants, and cardholders.’s chargebackChargeback chargeback A dispute raised by

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Soft and Hard Credit Card Declines

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Credit card declines can happen for a lot of different reasons—bad timing, compatibility issues, bad communication—even fraudFraud fraud Criminal deception

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