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A card payment looks like a single instant action, but behind the tap there is an authorisation path, a set of EU security rules and a pricing structure that only becomes visible when a payment is declined, a hold is placed, or a purchase abroad is converted at a rate you did not expect.
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You paid a supplier at 6:40pm on a Friday. On Monday they email to say nothing has arrived. Nothing went wrong – the payment went out on the standard rail, and the standard rail does not run at weekends.
Reward cards are easy to compare on earn rate and hard to compare on anything else. A card quoting 1 point per euro looks like a near match for one paying 0.5% cashback, yet realised returns can differ threefold.
Ask ten founders why they licensed in Malta and you will hear ten variations of the same answer...
Agentic commerce is the shift from you asking “buy” to an AI agent doing it for you — finding the product, choosing it, and paying on your behalf. It was the loudest theme at Money20/20 Europe this year, on the stage and on the floor.
At Money20/20 Europe in Amsterdam, one question kept coming up at our stand: how does a regulated financial institution actually connect to the euro rails it depends on? It sounds simple. In practice, it is one of the hardest problems a new payments or crypto firm faces in Europe.
Financial services are undergoing a true transformation, and at the heart of this shift lies embedded finance, a concept that should go beyond the capabilities of open banking in order to redefine how businesses and consumers interact with business financial services.
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Losing money to fraud is usually treated as a single event. For a large share of victims, it is the first of two. A recovery scam targets people who have already been defrauded, offering to trace and return the money in exchange for an upfront payment.
A card payment looks like a single instant action, but behind the tap there is an authorisation path, a set of EU security rules and a pricing structure that only becomes visible when a payment is declined, a hold is placed, or a purchase abroad is converted at a rate you did not expect.
Every euro balance held in Europe works behind one of two legal mechanisms. Where the provider holds a banking licence, the balance falls under a deposit guarantee scheme. Where it holds an e-money licence, it falls under safeguarding rules instead.
Most business applications stall on mismatched addresses, wrong role selection or missing documents. This step-by-step guide covers all nine screens, the fields that need to match your registration papers, and what to upload.
Blackcat has partnered with Fundurama, a non-profit consumer association. Members can now apply for a Blackcat payment card directly in the Blackcat app
Most euro payments run on a small number of shared systems. A transfer from Lisbon to Tallinn uses the same rails as one between two accounts in the same city, and the rules that govern it come from EU legislation rather than from any one provider. What differs between providers is the detail: what arrives free, how fast it arrives, and who is allowed to open an account in the first place.
Meet the analysts, engineers, and strategists behind Blackcat. Our team combines decades of experience in traditional finance and decentralized
Chief Technology Officer
Chief Technology Officer at Blackcat, driving product development and technology optimisation. Ex-PrivatBank, First Swiss Card, and the Association of Commercial Banks of Latvia. He holds a Doctor of Science degree, won PayTech Leadership in 2023, and is FERMA rimap® certified.
Payment & FinTech consultant
Payment and FinTech consultant (ex-BCG, Deutsche Bank, PwC) specialising in regulatory compliance and risk management.
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Barrister and corporate counsel
UK-qualified barrister and corporate counsel with over 14 years advising startups, fintech companies, and SaaS platforms on cross-border transactions, digital payments, fraud risk, and compliance.
Product & Growth Manager at Blackcat
Covers payment infrastructure, feature updates, and real-world use cases of digital financial services for users across Europe and the UK.
Financial Editor at Blackcat
Payment and FinTech consultant (ex-BCG, Deutsche Bank, PwC) specialising in regulatory compliance and risk management.
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