Notes from the
payment frontline.
Regulation, sovereignty, product and the market — written by the people building NexEuro. No fluff, no ghost-writers.
All articles
Payment sovereignty is no longer optional
Cloud Act, Visa/Mastercard dependence, fragmentation: why Europe must take back control of its payment infrastructure.
PSD3 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.
Wero, EPI, NexEuro: the European wallet war
An honest comparison between the EPI/Wero banking initiative, NexEuro and the private alternatives. Who will win?
The hidden cost of Visa and Mastercard
Beyond interchange, network fees weigh 1.2% to 1.8% on every European transaction. We ran the numbers.
Why we build on Rust
Memory safety, performance, async ecosystem: lessons learned after 18 months of Rust in a fintech.
How 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.
What 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.
How 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.
Visa 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.
How 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.