Paypr.work [ˈpeɪpəwəːk]

Wow, we did it! 🙌 Earlier this week, the Paypr.work [ˈpeɪpəwəːk] company page hit 8,000 followers on LinkedIn. So we couldn't quite close off this week without saying thank you to the eight thousand of you who have been following our journey, cheering on us, and engaging with our posts. Your support has been invaluable and has put us in the position we are in today. Raising our profile in the crowded social media environment has been and continues to be challenging, especially as 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐛𝐫𝐚𝐧𝐝𝐢𝐧𝐠 often takes precedence and achieves greater reach compared to a 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝐩𝐚𝐠𝐞. This milestone is incredibly important to us because of the amazing community that has rallied around us and helped us grow along the journey. A journey that has been immensely rewarding yet demanding— let's be honest, preserving your passion takes continuous efforts and requires real dedication and resilience. It is intense to say the least! So this is not an acknowledgement or celebration of vanity metrics, but rather a reminder to ourselves that every step forward, no matter how small, is a step worth taking. Our growth has been completely organic and we are soooo proud of what we have accomplished to date thanks to your feedback, ideas, and enthusiasm for our work. To all our payment aficionados out there, thank you for being part of our journey🫶🏽! The best is yet to come🚀 #Milestone #Gratitude #LinkedInCommunity #PayprWork --- 𝑾𝒐𝒏𝒅𝒆𝒓 𝒘𝒉𝒐 𝒘𝒆 𝒂𝒓𝒆 𝒂𝒏𝒅 𝒉𝒐𝒘 𝒄𝒂𝒏 𝑷𝒂𝒚𝒑𝒓.𝒘𝒐𝒓𝒌 𝒉𝒆𝒍𝒑? 𝘞𝘦 𝘢𝘳𝘦 𝘗𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘴𝘵𝘴, 𝘩𝘦𝘭𝘱𝘪𝘯𝘨 𝘮𝘦𝘳𝘤𝘩𝘢𝘯𝘵𝘴 𝘪𝘮𝘱𝘭𝘦𝘮𝘦𝘯𝘵 𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘰𝘱𝘵𝘪𝘮𝘪𝘴𝘦 𝘵𝘩𝘦𝘪𝘳 𝘱𝘳𝘰𝘤𝘦𝘴𝘴𝘦𝘴, 𝘸𝘪𝘵𝘩 𝘳𝘦𝘭𝘪𝘢𝘣𝘭𝘦 𝘵𝘦𝘤𝘩 𝘱𝘢𝘳𝘵𝘯𝘦𝘳𝘴. 𝘉𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘶𝘳 𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘬𝘯𝘰𝘸𝘭𝘦𝘥𝘨𝘦 𝘸𝘪𝘵𝘩 𝘰𝘶𝘳 𝘤𝘳𝘦𝘢𝘵𝘪𝘷𝘦 𝘧𝘭𝘢𝘪𝘳, 𝘸𝘦 𝘤𝘳𝘦𝘢𝘵𝘦 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘤 𝘤𝘰𝘯𝘵𝘦𝘯𝘵 𝘢𝘯𝘥 𝘵𝘩𝘰𝘶𝘨𝘩𝘵 𝘭𝘦𝘢𝘥𝘦𝘳𝘴𝘩𝘪𝘱 𝘢𝘴𝘴𝘦𝘵𝘴 𝘧𝘰𝘳 𝘧𝘪𝘯𝘵𝘦𝘤𝘩 𝘪𝘯𝘥𝘶𝘴𝘵𝘳𝘺 𝘭𝘦𝘢𝘥𝘦𝘳𝘴. 𝘞𝘦 𝘢𝘭𝘴𝘰 𝘥𝘦𝘭𝘪𝘷𝘦𝘳 𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘵𝘳𝘢𝘪𝘯𝘪𝘯𝘨 𝘪𝘯 𝘰𝘶𝘳 𝘷𝘪𝘴𝘶𝘢𝘭𝘭𝘺 𝘦𝘯𝘨𝘢𝘨𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘢𝘤𝘩. ✅ Follow Paypr.work [ˈpeɪpəwəːk] ✅ Intro@paypr.work ✅ https://paypr.work

Transactions are inherently complex by design as they involve numerous components working together to create what appears to be a seamless experience on the front-end. One-click payments, mobile wallets, and other similar payment methods simplify checkout processes by prioritising convenience and ease of use. They achieve this through streamlined payment interfaces, while also maintaining a critical balance to uphold security standards on the backend. Payment systems are built on complex backend architectures made up of multiple interconnected layers, each playing a specific role: ◾Physical layer, i.e. the foundational hardware and infrastructure components such as servers, data centres etc... ◾Network layer, that manages the pathways through which data travels, using encryption and tokenisation to secure transactions and ensure efficiency and reliability in data transfer. ◾Endpoint layer, typically referring to the devices that initiate and receive payments, like a computer, smartphone, ATMs, Point of Sales systems etc. ◾Application layer, which hosts the software applications that power the transaction processes and user interfaces. ◾Data layer, which handles the storage and management of data, be it at rest or in transit, as well as the data retrieval and processing. ◾User access layer, which governs how users authenticate and authorise payments through passwords, biometrics, and multi-factor authentication. ◾Security and compliance layer, which handles all aspects of security across the system, using fraud detection tools like real-time analytics, AI, and machine learning. It also involves compliance with standards like PCI DSS and GDPR to protect data integrity and user privacy. ◾Operational layer covers additional processes and systems that integrate into a merchant's infrastructure, such as ERP, CRM, PMS, loyalty, transaction monitoring, reporting, and system maintenance. Traditionally, payments were centralised, with a few key providers managing the overall process (e.g. banks, acquirers). Over time, specialised models emerged, introducing niche solutions (e.g. core processing, fraud, authentication), hence creating a more 'specialised' offering in the ecosystem. Today, the lines between specialised providers and broader platforms are increasing blurring, as not only many non-traditional players are entering the payments space but established players are also continuously expanding and diversifying their offerings. 👉🏽#Paymentexperts, any perspectives to share🎤? --- 𝑾𝒐𝒏𝒅𝒆𝒓 𝒘𝒉𝒐 𝒘𝒆 𝒂𝒓𝒆? 𝘞𝘦 𝘢𝘳𝘦 𝘗𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘴𝘵𝘴 𝘣𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘶𝘳 𝘪𝘯𝘥𝘶𝘴𝘵𝘳𝘺 𝘦𝘹𝘱𝘦𝘳𝘵𝘪𝘴𝘦 𝘸𝘪𝘵𝘩 𝘢 𝘤𝘳𝘦𝘢𝘵𝘪𝘷𝘦 𝘢𝘱𝘱𝘳𝘰𝘢𝘤𝘩 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘰𝘶𝘳 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘊𝘰𝘯𝘴𝘶𝘭𝘵𝘪𝘯𝘨, 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘺, 𝘙𝘦𝘴𝘦𝘢𝘳𝘤𝘩 𝘢𝘯𝘥 𝘛𝘩𝘰𝘶𝘨𝘩𝘵 𝘓𝘦𝘢𝘥𝘦𝘳𝘴𝘩𝘪𝘱 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. ⏭ Follow Paypr.work [ˈpeɪpəwəːk] #paymentsystems #payprwork #paymentinfographics

𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝗥&𝗥 ☕️🏎 - 𝗣𝗮𝘆𝗣𝗮𝗹: 𝗔 𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝗢𝗚 𝗿𝗲𝗷𝗼𝗶𝗻𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝗮𝘀𝘁𝗹𝗮𝗻𝗲 PayPal is 25 years old this year. That's why, when I'm asked who I consider an 'original fintech', that's the one that jumps to mind. But many don't know the facts about it founding story, the key factors that contributed to its success in the early days, how different the fintech landscape could have been had eBay's own e-commerce checkout platform (Billpoint) taken off and if the PayPal founding team hadn't pivoted away from a P2P PalmPilot Payment product (apologies for the alliteration). A look at their origins also highlights the fact that their latest product and platform releases resembles a return to those early days of focusing on the core job of optimising the e-commerce checkout experience for customers and merchants. This return to what made them successful is why I'm bullish on their product stack and what I outline in this week's deep dive 𝗧𝗵𝗶𝘀 𝗲𝗱𝗶𝘁𝗶𝗼𝗻'𝘀 𝘀𝘂𝗺𝗺𝗮𝗿𝘆 𝗮𝗻𝗱 𝗲𝘅𝗰𝗲𝗿𝗽𝘁𝘀 👉🏽 PayPal’s origins 👉🏽 A timeline of key events from 1999-Present Day 👉🏽 The PayPay x eBay partnership 👉🏽 Simplistic JTBD overview of their product stack 👉🏽 The PayPal Mafia sphere of influence 👉🏽 Their latest product launches: Checkout Enhancements | CashPass | Smart | Receipts | Advanced Offers | Venmo Business Profiles | Fastlane 👉🏽 Reasons to be bullish on PayPal’s product stack 🗣 "The original PayPal product let people beam money to each other via PalmPilots. It didn't work very well, but even if it had, the market for Palm Pilot payments wasn't going to be huge." - Peter Thiel I'd love to hear your thoughts and whether you're bullish or bearish on PayPal's product stack Michele Mattei Sandra Mianda🖇 Deanna Fernandez Alvaro Rojo Marcel van Oost Leda Glyptis PhD Monica Millares Paul Anderson PhD #fintech #payments

#Visa product leaders share how four new #AI-powered #VisaProtect solutions address emerging #fraud and #scams across real-time payments and card-not-present transactions on Visa and non-Visa networks. Watch now. #PaymentFraud #RTP #A2A

Holidays are great to recharge, and that's what I have been up to for the better part of the last 6 weeks💃🏽. Farniente... Doce fazer nada (PT😁?)... or at least doing as little as I could get away with. And while I am not quite yet done with that, this LinkedIn notification I received earlier this week was quite a pleasant surprise🙌🏽. I am genuinely thrilled to be recognised as a #topvoice in this crowded yet amazing #linkedin community. And more so because I never intended to have a 'voice'. It was more out of confusion that I started posting on LinkedIn to ask questions and get feedback on payment topics from other experts.... Little did I know how this would in turn propel my visibility and create an organic demand for my services💥. Everyone shows up on LinkedIn for different reasons, but for me and any #entrepreneur #solopreneur #smallbusiness owner, or #independentconsultant, LinkedIn is so essential to connect with clients, build our brands or find opportunities. The visibility and exposure this platform has given me have helped amplify my reach and build my business credibility, Paypr.work [ˈpeɪpəwəːk]. This is why this recognition matters and I am not just going to brush it off as a vanity recognition 😬✌️... I know it might still sound a little vain, but it feels really good to be acknowledged for showing up and doing my thing, even when I didn't feel like it or when it felt like nobody was taking notice 👀. So to anyone on ‘a journey’, keep showing up, keep doing ‘you’ because consistency, authenticity and dedication will get you where you need to be… in your own time, and in your own way. You just need to trust the process😬! Huge huge thanks to everyone who have cheered, supported, comforted, helped, cared, trusted, mentored, and coached me to where I got personally and professionally... I cannot wait to share more on what else me and my team have been brewing up behind the scenes💥. Happy weekend all🤗! #personalbrand #corporatebranding #payprwork #paymentinfographics

Welcome to our new LinkedIn page!    Follow us to learn how Visa Protect risk and identity solutions help banks, acquirers, and merchants stop #fraud without stopping business.    Unfamiliar with #VisaProtect? Watch this video and visit visa.com/protect to learn more. #Visa #PaymentFraud #AI #scams #RTP #A2A

There's a hidden side to fraud… it's not just a threat, but also a chance for innovation.  Fraud undeniably poses unique challenges, but in my opinion, it also compels businesses to rethink their security approaches, moving from reactive defences to proactive strategies that drive innovation and resilience. Naturally, this means that retailers need to get closer to their operations, technologies, and data analytics. There is no shortcut there, their approach needs to be tailored to specific business needs, choosing the right tools, implementing best practices, and deciding whether to outsource or build in-house expertise... Such shift and focus leads to more robust security systems, which not only safeguard against fraud but also improve customer experience and enhance brand reputation… This being a key driver for brand equity, far more valuable than the products themselves for certain retailers. There is an inherent tension between strong security and a seamless customer experience. That is an area that retailers constantly strive for the right balance. However, there are also some common blind spots, often neglected by retailers, that can result in poor customer experiences, leading to frustrated customers and lost sales. Ultimately, a poor customer experience, like delays in legitimate refunds, can also lead to unnecessary chargebacks. In my latest article, I share further perspectives on the challenges of fraud prevention and key recommendations for building a robust security strategy. Check it out here: https://lnkd.in/em9usG8X There is of course not one size fits all when it comes to operational strategy. No matter the strategy, there is one crucial aspect that cannot be outsourced: the strategic thinking behind fraud prevention. This requires a deep understanding of the business and a commitment to proactively adapting to the ever-changing landscape of fraud. Here to help, connect or DM me, always open and happy to have a discovery discussion. #Payments #FraudPrevention #Omnichannel PaymentVibes

Earlier this week, the European Commission announced that Visa and Mastercard have agreed to extend the current caps on inter-regional interchange fees in the European Economic Area (EEA) until 2029. Happy days, right? But what does that actually mean for merchants🤔? In 2015, the EU introduced the Multi-lateral Interchange Fees (#MIF) set under the Interchange Fee Regulation (#IFR). The MIF regulation was primarily aimed at domestic and intra-regional transactions within the EEA and capped consumer debit and credit card rates at respectively, 0.20% and 0.30% for offline transactions and 1.15% and 1.50% for online transactions. This meant, essentially, that merchants would pay a standardised interchange rate for consumer debit or credit card transactions within the EEA. In 2019, Mastercard and Visa expanded the scope and committed to capping interchange fees on transactions involving non-EEA-issued cards and EEA merchants. This is precisely what the object of the news release this week is. Those inter-regional caps were due to expire in November 2024 this year but have now been renewed for a further 5 years. The UK, which left the EU in 2020, is a great example to illustrate how these regulations and commitment caps apply: ◼️𝗨𝗞 𝘁𝗼 𝗘𝗘𝗔 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀 For transactions where the card issuer is in the UK and the acquirer is in the EEA, fees are capped under the 2019 European Commission Commitments. These commitments maintain regulated fees for cross-border transactions involving the UK post-Brexit. ◼️𝗘𝗘𝗔 𝘁𝗼 𝗨𝗞 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀 In contrast, transactions from an EEA issuer to a UK acquirer do not fall under the IFR or the 2019 EC Commitments. As a result, these transactions are not subject to the same fee caps, and therefore attract higher interchange fees. ◼️𝗨𝗞 𝘁𝗼 𝗨𝗞 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀 These transactions are governed by the UK Interchange Fee Regulation (IFR), which imposes caps on interchange fees for domestic transactions. ◼️𝗘𝗘𝗔 𝘁𝗼 𝗘𝗘𝗔 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀 Transactions within the EEA are regulated by the EU IFR, capping interchange fees for both domestic and cross-border transactions within the EEA. 👉🏽#Paymentexperts, any perspectives to share🎤? --- 𝑾𝒐𝒏𝒅𝒆𝒓 𝒘𝒉𝒐 𝒘𝒆 𝒂𝒓𝒆? 𝘞𝘦 𝘢𝘳𝘦 𝘗𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘴𝘵𝘴 𝘣𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘶𝘳 𝘪𝘯𝘥𝘶𝘴𝘵𝘳𝘺 𝘦𝘹𝘱𝘦𝘳𝘵𝘪𝘴𝘦 𝘸𝘪𝘵𝘩 𝘢 𝘤𝘳𝘦𝘢𝘵𝘪𝘷𝘦 𝘢𝘱𝘱𝘳𝘰𝘢𝘤𝘩 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘰𝘶𝘳 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘊𝘰𝘯𝘴𝘶𝘭𝘵𝘪𝘯𝘨, 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘺, 𝘙𝘦𝘴𝘦𝘢𝘳𝘤𝘩 𝘢𝘯𝘥 𝘛𝘩𝘰𝘶𝘨𝘩𝘵 𝘓𝘦𝘢𝘥𝘦𝘳𝘴𝘩𝘪𝘱 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 🔘 Follow Paypr.work [ˈpeɪpəwəːk] 🔘 Intro@paypr.work 🔘 https://paypr.work #payprwork #paymentinfographics

#payment101 Declines have long been a pain point for the industry and can occur for various reasons. Insufficient funds are one of the most common reasons for failed ecommerce transactions, leading to lost sales, frustrated shoppers and sometimes general confusion. In fact, over 40% of all online transaction failures are reportedly due to a lack of funds. In the early to mid-2000s, both card schemes Visa and Mastercard introduced a solution known as partial authorisation to improve the acceptance and approval of card transactions across designated merchant segments. A couple of months ago, in April this year, Visa expanded the scope of partial authorisation to a further range of merchant category codes (i.e. taxicabs, utilities, convenience stores, service stations, electric vehicle charging, restaurants etc). This got me thinking about how partial auth might resemble or differ from the soft decline process🤔... Partial auth are very specific to the cardholder's funds availability. Instead of fully declining the transaction, the payment processor approves the amount that is available and the merchant can then request an additional means from the cardholder to cover the remaining balance. Partial auths are primarily supported for debit and prepaid card transactions, although in some cases, certain prepaid cards are processed as credit cards. Prior to the implementation of partial auth, a card with an insufficient balance would simply be declined. This type of decline is the so-called soft decline, although some might argue that it is more of a hard decline... open debate 😁! So the process between the 2 flows differs in the sense that: ◼️With partial auth, the transaction is partially approved, with an hold placed on the available amount, while allowing the customer to complete the purchase using additional payment methods. ◼️In contrast with soft/hard decline, the transaction is first rejected, temporarily or not, and requires the customer to resolve the issue before retrying. Some of the more 'easily' addressable issues include insufficient funds, along with others like an expired card, a wrong CVV or an AVS discrepancy etc. #didyouknow ⚪ Partial auth are supported in both CP and CNP scenarios ⚪American Express and Discover Global Network also support partial auth ⚪Recurring and cross-border payments are not in scope at this time 👉🏽#Paymentexperts, any perspectives to share🎤? #authorisation #softdecline #harddecline --- 𝑾𝒐𝒏𝒅𝒆𝒓 𝒘𝒉𝒐 𝒘𝒆 𝒂𝒓𝒆? 𝘞𝘦 𝘢𝘳𝘦 𝘗𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘴𝘵𝘴 𝘣𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘶𝘳 𝘪𝘯𝘥𝘶𝘴𝘵𝘳𝘺 𝘦𝘹𝘱𝘦𝘳𝘵𝘪𝘴𝘦 𝘸𝘪𝘵𝘩 𝘢 𝘤𝘳𝘦𝘢𝘵𝘪𝘷𝘦 𝘢𝘱𝘱𝘳𝘰𝘢𝘤𝘩 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘰𝘶𝘳 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘊𝘰𝘯𝘴𝘶𝘭𝘵𝘪𝘯𝘨, 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘺, 𝘙𝘦𝘴𝘦𝘢𝘳𝘤𝘩 𝘢𝘯𝘥 𝘛𝘩𝘰𝘶𝘨𝘩𝘵 𝘓𝘦𝘢𝘥𝘦𝘳𝘴𝘩𝘪𝘱 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 🔘 Follow Paypr.work [ˈpeɪpəwəːk] 🔘 Intro@paypr.work 🔘 https://paypr.work #payprwork #paymentinfographics

Isn't it interesting how the evolution of things often happens in seemingly opposite directions? The more digitally literate we become, the more we bring the digital environment into our offline world. And as we integrate digital solutions into offline transactions, we see a resurgence in the significance of traditional cash-like features, namely around privacy, immediacy, and versatility to a certain extent. There's also a growing focus on sustainability and financial inclusion as payment systems become more sophisticated. And with that, ensuring the interoperability of different payment instruments across various digital and offline channels seems to be the next hurdle that the industry's attention is turning to. Earlier today, we stumbled across an interesting release from Giesecke+Devrient (G+D), the German payment and security tech provider, which caught our attention because it exemplifies a solution that blends features from both digital and offline environments while catering to the inclusion, security, and privacy requirements dictated by today's industry. G+D launched their offline payment technology for tokenised deposits. The new token-based system for secure offline payments is called G+D Filia Unplugged. From what we have gathered, it is a token-based system enabling secure offline payments without an online connection, supporting both peer-to-peer and peer-to-business transactions. The technology can be integrated into existing digital payment systems without overhauling a merchant's current infrastructure. ◼️ From a technological infrastructure perspective, the monetary tokens (i.e. the digital representations of currency) are stored on secure hardware for offline transactions. ◼️The hardware can be on a smart card or the secure enclave of a smartphone. ◼️The transactions require two wallets, to be able to communicate via NFC (Near Field Communication), to enable secure exchanges without an online connection. ◼️Users make transfers by touching the two wallets together. Naturally, for this to work, it requires people to keep a cash balance in their offline wallets. #didyouknow G+D Filia, is G+D’s central bank digital currency (CBDC) solution. They been involved in offline CBDC trials in Hong Kong and Brazil and are the CBDC partner to the Bank of Ghana and the Bank of Thailand. 👉🏽#Paymentexperts, any perspectives to share🎤? #blockchain #offlinepayments --- 𝑾𝒐𝒏𝒅𝒆𝒓 𝒘𝒉𝒐 𝒘𝒆 𝒂𝒓𝒆? 𝘞𝘦 𝘢𝘳𝘦 𝘗𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘴𝘵𝘴 𝘣𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘶𝘳 𝘪𝘯𝘥𝘶𝘴𝘵𝘳𝘺 𝘦𝘹𝘱𝘦𝘳𝘵𝘪𝘴𝘦 𝘸𝘪𝘵𝘩 𝘢 𝘤𝘳𝘦𝘢𝘵𝘪𝘷𝘦 𝘢𝘱𝘱𝘳𝘰𝘢𝘤𝘩 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘰𝘶𝘳 𝘤𝘭𝘪𝘦𝘯𝘵𝘴, 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘺, 𝘳𝘦𝘴𝘦𝘢𝘳𝘤𝘩, 𝘢𝘯𝘥 𝘤𝘰𝘯𝘵𝘦𝘯𝘵 & 𝘢𝘴𝘴𝘦𝘵 𝘥𝘦𝘷𝘦𝘭𝘰𝘱𝘮𝘦𝘯𝘵 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. ✅ Follow Paypr.work [ˈpeɪpəwəːk] ✅ Intro@paypr.work ✅ https://paypr.work