---
title: "tom (@otattu) | Hashnode"
description: "tom (@otattu) writes on Hashnode. Read their latest articles and follow their work."
url: "https://hashnode.com/@otattu"
---

@otattu

# tom

@otattu · Joined September 2026

## Comments

[Good point. Pay-by-bank and open-banking flows definitely broaden the way payment infrastructure can be designed beyond the traditional card-based model. The impact on integration, fees, authentication, and reconciliation is especially worth considering when businesses evaluate their payment stack. Thanks for adding this perspective.](https://hashnode.com/posts/how-modern-payment-gateways-work-from-checkout-to-transaction-management/6a984e6fb114238edf55590e/comment/6abba1647c90190e12e4239a#reply-6abba62f0ca10484503f00cf)

Reply · Article · Sep 29 · [How Modern Payment Gateways Work: From Checkout to Transaction Management](https://hashnode.com/posts/how-modern-payment-gateways-work-from-checkout-to-transaction-management/6a984e6fb114238edf55590e)