The journal of
European payments.
Analysis, regulation, engineering, market. We write what we'd have liked to read while building NexEuro.
The article of the moment
The European regulation makes SEPA Instant free across every bank in the euro area. Here's what it changes for payments.
The rest of the journal
Payment sovereignty is no longer optional
Cloud Act, Visa/Mastercard dependence, fragmentation: why Europe must take back control of its payment infrastructure.
Pierre P. · 11 min RegulationPSD3 and FIDA: what fintechs need to anticipate
The third Payment Services Directive and the Financial Data Access regulation are shaping European open finance. A breakdown.
Matea S. · 14 min MarketWero, EPI, NexEuro: the European wallet war
An honest comparison between the EPI/Wero banking initiative, NexEuro and the private alternatives. Who will win?
Sacha S. · 12 min AnalysisThe hidden cost of Visa and Mastercard
Beyond interchange, network fees weigh 1.2% to 1.8% on every European transaction. We ran the numbers.
Pierre P. · 9 min EngineeringWhy we build on Rust
Memory safety, performance, async ecosystem: lessons learned after 18 months of Rust in a fintech.
Matea S. · 15 min GuideHow to send money instantly across Europe in 2026
A complete guide: SEPA Instant, real timings, limits, fees, security and a step-by-step method to transfer money in seconds anywhere in Europe.
Sacha S. · 12 min GuideWhat is a SEPA instant transfer? The reference guide
Definition, technical workings, timings, limits, regulatory framework and differences from a standard transfer: everything you need to understand SEPA Instant.
Matea S. · 14 min GuideHow to accept QR code payments as a merchant
Setup, equipment, costs, instant settlement, accounting obligations: the practical guide to QR code payments for small businesses and freelancers.
Pierre P. · 11 min GuideVisa and Mastercard fees explained: who really pays what
Interchange, scheme fees, acquirer margin: a complete breakdown of the cost of a card payment in Europe and the account-to-account alternatives.
Sacha S. · 13 min GuideHow to choose a payment solution for your business in Europe
Selection criteria, comparison grid, real costs, PSD2 and GDPR compliance, sovereignty: a method for picking the right acceptance method.
Matea S. · 12 minGet our analysis
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