⭐ PAYMENTS FOR BEGINNERS ⭐How Cards, Schemes, Switches, Fraud, APIs & Real-Time Payments Actually Workby Patrick SharpeHave you ever tapped your card, paid online, used an ATM, or sent money instantly - and wondered what REALLY happens behind the scenes? Why some payments fly through in seconds while others fail? Why card networks exist? How banks talk to each other? What a payment switch actually does? Or why the world still runs on a 40-year-old standard called ISO 8583?The truth: Payments is one of the most misunderstood industries in the world.And until now, beginners had no clear guide to learn it.This book changes everything.