Notes on moving money.
Guides on payments, cards and compliance from the people who build Backspin.
March 3, 2025, Carmen Ruiz
Building a compliance program with your bank partner
Launching a financial product means sharing compliance with a bank. What your partner expects, who owns what, and how to stay ready for the next review.
March 2, 2025, Elena Moretti
Designing card controls your users trust
Spending limits, merchant blocks and instant freezes only help if people understand them. How to design card controls that feel like safety, not friction.
March 1, 2025, Carmen Ruiz
ACH returns explained
Why ACH payments come back, how long they can take, and what each of the most common return codes means for your platform.
February 28, 2025, Nils Halvorsen
What FedNow changes for platforms moving money
Instant payments are no longer reserved for card networks. Here is what FedNow means for platforms that pay out, collect and hold funds for their users.
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