Webtamine

Technology and money, explained.

Illustrated portrait of Oliver Hayes in a Webtamine T-shirt

Oliver Hayes

Oliver Hayes covers payments and banking, tracing fees, settlement and the route money takes.

Latest

Stripe ·

Stripe Webhook Event Ordering: Retries and Duplicates

Handle Stripe webhook ordering, retries and duplicates with a short endpoint, durable queue and layered idempotency.

Stripe ·

Stripe PaymentIntent vs SetupIntent: Which Object to Use

Use PaymentIntent to charge now, SetupIntent to save for later, or setup_future_usage to do both.

payments ·

Stripe Payment Links vs Checkout Sessions: Where the Flow Starts

Choose a reusable Stripe Payment Link or a server-created Checkout Session by tracing where order context begins.

A refund event log branches into tracing and review, separating a created record from the bank-statement outcome.
Card payments ·

Stripe Refund Status: Track Changes and Trace the Result

Track the exact refund, read later changes and distinguish a reversal from a missing bank credit.

Card payments ·

3D Secure: Frictionless vs Challenge

Frictionless and challenge are two 3DS paths. The issuer decides which one checkout must handle.

A black payment card authorizes a hold that is later captured into a lime funds tray
Card payments ·

Card Authorization vs Capture: When Money Moves

Authorization reserves funds; capture starts collection. Here is how to track the gap safely.

A folded cream paper name card in front of a black bank card, with a lime paper check mark standing beside it, illustrating a payee name check.
SEPA ·

Verification of Payee: What the Bank Name Check Means

Euro transfers now get a name check before you confirm: what match, close match and no match mean.

A contactless card connected to a bank and merchant receipt
Card payments ·

Payment Tokenization: Network Tokens and Processor IDs

A processor token and an EMV payment token can protect different parts of the same card transaction.

A contactless card connected to a bank and merchant receipt
Card payments ·

Where Your Money Goes After You Tap to Pay

The terminal says approved. The merchant may still be waiting for the money.

A zero-fee receipt with separate layers of transfer costs
Money transfers ·

What a Zero-Fee International Transfer Actually Costs

Compare what leaves your account with what the recipient can actually use.

A token moving from a digital wallet toward a bank ledger
Stablecoins ·

Stablecoin Payments: From Checkout to Bank Account

Confirmation times by network, a $200 fee example and why a confirmed transfer is not money in the bank.

A token moving from a digital wallet toward a bank ledger
Paywhere ·

Paywhere Launches a Banking Channel for AI Apps

The company wants banks to offer approved services inside the AI tools customers already use.

A contactless card connected to a bank and merchant receipt
Form3 ·

Form3 Opens Payment Data to Read-Only AI Agents

The first release lets authorized agents inspect payment information without initiating changes.

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