What we learn running payments for ten thousand businesses, written up for the people doing the same job.
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We looked at 4.1 million transactions across ten thousand Finbolt businesses to answer one question: how long does it actually take a small business to get paid, and what makes the difference? The gap between the fastest and slowest quartile is 27 days — and almost none of it is about the client.
Read the reportHolding your money for three days would earn us real money. Here is the arithmetic, and why we decided against it anyway.
What a card-testing run looks like in your logs, why it usually happens at 2am, and the three signals that catch it early.
Where the money actually goes when you invoice across borders, and how to structure an invoice so the client pays the conversion.
We tested eleven versions of one checkout form. The winner had fewer fields and one very unglamorous change to the error copy.
Idempotency keys, replay windows and the retry schedule we settled on after getting it wrong twice.
A short, practical routine for closing your month in under an hour, whether or not you use Finbolt.
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