Ryft

Some things just work better face to face, roadmap planning included. This one happened to come with a trip to Prague ✈️ Earlier this year I flew out to Daytrip's head office to dig into their action plan, no half hour call was going to cut it for this one. Fast forward to now, and they're one of the first clients to go live with Ryft FX. In simple terms, this means accepting and settling payments in different currencies, so a business can sell in euros, dollars or pounds without needing separate providers or manually converting everything back. Genuinely proud to see it come together, and it's a good reminder of what happens when you grow collaboratively as partners 🧡

Recently made the switch to ŌURA and I'm loving it ✨💍 For a while I wore a Whoop and it was great. But I kind of felt like I had to choose between wearing something functional or something that felt like me. I'm a gold jewellery girl, so Oura doesn't look like a gadget on my wrist, it feels like part of my everyday style. At the same time, I can still track the things I care about to stay on-top of my goals - like my sleep, steps and workouts. I think the best changes are the ones that fit into your lifestyle without you even thinking about them, which is how Oura feels for me so far 💕

There's money quietly leaking out of grassroots football, and most of the people running these clubs don't know the scale of it. Not through anything dramatic. Through fees. A percentage here, a rate there, on software and services that volunteers rely on to save time. It adds up to thousands a year, and almost none of it is priced for what grassroots football actually is - clubs run by volunteers, on tight budgets, where every pound out adds to the load on people already doing too much for free. When I started Centre Circle, I wasn't thinking about payments. I was thinking about grassroots football. About the clubs, the volunteers, and the kids who get more chances when the people running them aren't buried in costs and admin. But payments became a problem I couldn't ignore. The rates we were on weren't built for our sector, and every pound leaving in fees was a pound that wasn’t reaching the next generation. That bothered me. So we went looking. We spoke to most of the big providers. Plenty wanted the business. What we couldn't find was one whose pricing actually made a difference to our clubs - until we found Ryft. Payments built into the platform, so clubs never leave it to pay. Pricing that actually adds up. And a team that felt like partners rather than a supplier. The result: clubs are saving thousands a year in fees, on average. There aren't many people who can go to a club right now and say "Your costs are coming down." When everything else is going up, that sentence is almost unheard of. Being able to say it - that's the whole reason Centre Circle exists.

PSD3 is moving into its final stages. The commercial agent exemption that many marketplace operators rely on is about to get narrower. Grant Campbell has written a breakdown of what changes, why the 2026 audit window matters, and what marketplace operators need to do before the directive comes into force in 2027. If your payment flows involve collecting from buyers and disbursing to sellers, this one is worth a read. Full guide in the comments. 👇 #fintech #marketplacepayments #payments #psd3

💛 THE GiftRound Charter Last week Sam Pettipher shared BrewDog’s Charter. It made me wonder… What would GiftRound’s look like? So I asked ChatGPT. Interestingly, it summed up our message pretty well: "There’s something broken in digital giving. You start with £100. A £5 platform fee. A £2 processing deduction. The recipient receives £93. And somehow… we call that normal. GiftRound doesn’t. We believe generosity shouldn’t be taxed. When people come together to say “Thank you.” “Well done.” “We’ll miss you.” Every penny should go to that moment. That’s why we removed fees. That’s why 100% goes to the gift. All gift. No fees. Zero hassle. All heart. ❤️ — Craig 💥 " We can only achieve our #AllGift #NoFee promise because we work with our amazing partners: Tillo, Ryft, Farsight Digital Solutions, Interaktiv Studio

A payment facilitator isn't the same as a payment provider. A PayFac holds a master merchant account with an acquiring bank. Every business that processes payments through them sits underneath it as a sub-merchant - not as a direct account holder. That structure means the PayFac carries a lot on your behalf. Underwriting, fraud monitoring, chargebacks, payment compliance. But that's just the surface. We put together a full breakdown of how the model works, what responsibilities transfer to the PayFac, and what to look for before you commit. Link in comments 👇 #marketplacepayments #fintech #paymentprocessing