Payments · Authentication · Regulation

Matt Berryman

VP Sales Engineering, Entersekt · Hampshire, UK

I lead sales engineering for payment authentication at Entersekt, after five years running global customer success for a 3-D Secure platform used by some of the world's largest banks. Before that I founded ScriptSwitch, prescribing decision-support software adopted across the NHS. On the side I build reference tools that give payments professionals, and their AI assistants, the primary source rather than a confident recollection.

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Work

Reference tools built from the inside.

Three properties with one idea behind them: payments professionals should be able to reach the primary source, and so should their AI.

paymentslaw.eu: EU Payments Law, like EUR-Lex but actually usable

EU Payments Law paymentslaw.eu

EU payments law, built for people who have to use it. PSD2, PSD3, the PSR, FiDA, eIDAS2 and the AI Act, with the supporting acts around them, as cross-linked, searchable provisions rather than EUR-Lex PDFs. Follow an obligation from PSD2 into PSD3 and the PSR article by article, and hover a defined term for its in-force wording.

Free MCP server, no API key: ground Claude or ChatGPT in the corpus.

Open paymentslaw.eu
3dsspec.com: 3DS Reference, a source-attributed reference for EMV 3-D Secure

3DS Reference 3dsspec.com

A source-attributed reference for EMV 3-D Secure. Every data element and message type in the current Core specification, with formats, values, inclusion conditions and the page they came from. Build a required-field checklist for a channel and category, and compare reconstructed source cells across editions.

MCP for AI clients: messages, fields and protocol flows with citations.

Open 3dsspec.com
transactionintelligence.net: independent essays on payments, behaviour and the quiet plumbing of finance

Transaction Intelligence transactionintelligence.net

Independent essays on payments, behaviour and the quiet plumbing of finance: the regulation as written, the systems as built, and the people in between. Long-form analysis of authentication, fraud, open banking and the PSD3 package, with a members' tier for the pieces that go further.

Where the analysis behind the reference tools gets written up.

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Writing

Latest from Transaction Intelligence

Filled from the site's feed at build time, so this list is as current as the last deploy.

Regulatory

Give your AI the source

Connect ChatGPT or Claude directly to paymentslaw.eu and check the sources behind an SCA answer. A free, read-only connection to 51 curated EU payments instruments, with…

Read on Transaction Intelligence Regulatory

SCA gets a promotion

Strong Customer Authentication is being moved into a directly applicable regulation, not just amended. Your transition plan needs to separate what the text specifies, what waits…

Read on Transaction Intelligence Essay

Where the payments package actually is

A May forecast for summer publication has come and gone. The official record now points to December, and carries a status line that reads backwards until you know the procedure.

Read on Transaction Intelligence Regulatory

Three numbers that no longer exist

The PSD3 and PSR timetable has moved, but many summaries have not. The April 2026 compromise texts change the planning assumptions and contain two easily missed provisions that…

Read on Transaction Intelligence AI & Automation

When “something you are” becomes “something they can make”

One in five biometric fraud attempts now involves a deepfake. The figure is striking on its own, but the more interesting story sits underneath it: inherence has quietly become…

Read on Transaction Intelligence Regulatory

Meet Alexandre Lamfalussy

PSD3 and the PSR have cleared trilogue. Coreper has the final texts. None of that tells you when the rules will apply to your business. A primer on the four-level framework that…

Read on Transaction Intelligence

All essays on Transaction Intelligence

About

Where I'm useful

  • Customer success and sales engineering leadership. Building and running global teams that turn technical depth into commercial outcomes for Tier 1 banks, processors and partners, from RFP through deployment to renewal.
  • Payment authentication. 3-D Secure, risk-based authentication and strong customer authentication as they are actually deployed: issuer and acquirer configuration, approval rates, friction and fraud exposure in the same conversation.
  • EU payments regulation. PSD2 to PSD3 and the PSR, DORA, eIDAS2 and the RTS on SCA, read as text with dates and articles rather than as a summary, and translated into what a product roadmap has to do about it.
  • Applied AI in regulated businesses. MCP servers, structured extraction and Claude-based tooling that teams use every day, built with the constraints in view: source attribution, versioning and knowing when the answer is not in the corpus.

Background

Entersekt
VP Sales Engineering
2025 to present
Arcot, Broadcom
Global Head of Customer Success and Solution Consulting
2019 to 2024
Arcot, CA Technologies
Technical Account Manager to Director of Global Presales
2013 to 2019
ScriptSwitch
Founder; prescribing decision support for the NHS, acquired by UnitedHealth Group
1999 to 2011
University of Warwick
BSc Computer Science

Contact

Always glad to compare notes.

If you're working on payment authentication, EU payments regulation, or putting AI to work inside a regulated business, I'd like to hear about it. Interesting conversations are always welcome.