A clearer view of payment economics

The Payment Economics is an observatory of the economics of payments.

We read official data, run original research and collect first-hand industry evidence to explain how the cost of accepting payments is changing, and what those changes mean across the ecosystem.

Why subscribe?

One flagship research edition each month, combining market analysis, comparative data, and perspectives from across the payment industry. Shorter notes are published when new evidence warrants them.

Our editorial standard

OFFICIAL SOURCES · ORIGINAL RESEARCH · MARKET EXPERTISE · PRACTITIONER TESTIMONY

Evidence before opinion. We cite our sources, distinguish facts from interpretation, and disclose our methodologies and their limitations.

How we work

The Payment Economics is published at the initiative of the ORYJIN team. Research priorities and conclusions follow the evidence: sources are cited, facts are distinguished from interpretation, methods and their limits are published with every edition, and every percentage names its base.

Contribute to the research

We welcome anonymised data, first-hand experience, and expert perspectives from across the industry.