26 Years and Counting
That's the number we came up with when we counted up our combined years of working with online payments. From mobile card payments to high-volume e-commerce sites, we've been fortunate to have been part of some pretty advanced payments products. We've worked in some really exciting (aka pressurised!) global online merchant companies. Enjoyable? Yes. Pressure? Sure. Easy? Much more difficult and frustrating than any software development should be.
We're on the side of the Merchants
In our time working for and advising Online Merchants, it has always been a major battle to make the customer payments work perfectly. The truth is, the merchants have the least control among the chain of parties involved in each online transaction, including banks, payment processors, card schemes, etc.
And it doesn't seem to be getting better. We see the same problems time and time again. The same barriers that we've had to overcome years ago are the same barriers that online merchants are hitting today. The innovations in every other area of technology just don't seem to be there for Online Merchants.
There's something intrinsically wrong with that: the Merchants - those generating all of the payments traffic - are the party with least tooling. More often than not, that leads to frustration in those working at the coalface and less-than-perfect payments software. And that inevitably leads to money being dropped on the floor.
In 2016 we decided the status quo needed a shake up. We set out to raise the standard of payments software on all merchant sites. And to shift the balance of control to the Online Merchants. The Payments Works was born in the fintech world of Dublin.
We established The Payment Works with a singular vision: