How digital wallets work
A plain-language look at how mobile wallets store, tokenise and transmit payment credentials to a merchant.
Education
Our content is organised into a handful of core topics. Each is written as a self-contained explainer — start wherever is relevant to you.
Core topics
A plain-language look at how mobile wallets store, tokenise and transmit payment credentials to a merchant.
What happens behind a secure checkout page, and what typically distinguishes it from an unsafe one.
General explanations of two-factor confirmation, biometric checks, and why payment providers use them.
Short, jargon-free definitions of terms that appear in digital payments — tokenisation, PSP, 3-D Secure, settlement, and more.
An overview of the patterns that tend to appear in fraudulent payment requests, written to build general awareness rather than alarm.
Our approach
We start every guide from a question a reader has actually asked us. From there, we research the underlying concept using publicly available, reputable sources, and write a draft aimed at someone encountering the topic for the first time.
Guides are reviewed for clarity and accuracy before publishing, and revisited periodically to keep figures and examples current. We link to primary sources where relevant so readers can go deeper if they want to.
Good to know
No. Everything on biragos is general, educational information. It does not take into account your specific situation and should not be treated as financial, security or legal advice.
No. biragos does not process, hold or transfer funds, and does not offer any paid payment service. The website is purely informational.
Our guides explain general patterns commonly associated with fraudulent payment requests, to help build awareness. They are not a substitute for your bank's or provider's own fraud guidance.
Yes. Use the contact form to send us a topic suggestion or a question you'd like a future guide to address.
Reach out
Our editorial team is happy to point you toward the right guide, or explain something in more detail.
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