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Liliia Liehkova

Liliia Liehkova is a fintech writer and payments specialist covering open banking, QR payments, and UK payment infrastructure. He covers regulatory developments and practical payment technology for UK merchants.
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Getting Paid · Small Business · UK 2026 Payment Links vs Bank Transfers vs Card Payments: Which Is Best for Small Businesses? Getting paid should be simple. Yet the way you ask for payment can affect your fees, how soon the money arrives and how much admin follows. Payment requests Small business ~6 min read … Read more

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Payment Security · Open Banking · UK 2026 Open Banking Payments Show Much Lower Fraud Rates Than the UK Payments Average Official 2025 data shows lower fraud incidence by transaction volume for open banking payments than for the wider UK payments industry. Here is what the comparison means—and what it does not. Payment fraud Open … Read more

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Card Payments · Cost of Business · UK 2026 Chargebacks: What They Actually Cost UK Businesses Most businesses only budget for the chargeback fee. But once operational costs, lost goods, and potential wider consequences are included, the total cost of a dispute can be considerably higher than the chargeback fee alone. Chargebacks Hidden costs ~8 … Read more

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Interview · Open Banking · Financial Inclusion Open Banking and the Promise of Inclusion Author Ellie Duncan on how far open banking has reached the people it was meant to help. Interview Financial inclusion ~7 min read SSV SmartPay In one line Open banking was sold as a way to bring the excluded and underbanked … Read more

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New Integration · Xero · UK 2026 Xero Payment Links: How Businesses Can Get Invoices Paid Faster An unpaid Xero invoice usually means a wait, a reminder, or both. With SSV SmartPay connected to Xero, every invoice you send automatically triggers a separate SSV SmartPay email with a Pay by Bank link and QR code, … Read more

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Data Protection · Open Banking · UK 2026 GDPR and Pay by Bank: How Customer Data Is Protected “Is my bank data safe?” is a fair question, and one the industry does not always answer plainly. Here is exactly what a Pay by Bank provider sees, what it never sees, and how that fits within … Read more

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Industry Milestone · Open Banking · UK 2026 Open Banking Surpasses 1 Billion Payments: The Shift From Experiment to Essential UK Infrastructure Open Banking Limited has confirmed that the UK’s CMA9 banks have processed over 1 billion Open Banking payments and 100 billion API calls since launch, with June 2026 setting a new monthly record. … Read more

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Safety & Data · Open Banking · UK 2026 Open Banking Payments Are Estimated to Be Roughly 6x Safer Than the UK Payments Average Pay by Bank usually gets talked about for its price. New independently-published data suggests the bigger story might be safety: Open Banking payments are showing a fraud rate around six times … Read more

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For Photographers & Event Creatives · UK · 2026 SSV SmartPay for Photographers and Event Creatives: Keep More of Every Booking Wedding and event photography runs on big numbers: large deposits, bigger final balances, and print sales on top. That is exactly where card fees quietly cost the most. Here is how Pay by Bank … Read more

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Opinion · Open Banking · UK 2026 The Last Mile Problem: Why UK Open Banking Payments Will Be Won or Lost at the Checkout Button The rails are built. The prices are lower. The regulation is close to settled. So why is Pay by Bank still losing the click? An argument that the next phase … Read more