Acquiring & Merchant Services.

We help acquirers, PSPs, and ISOs design and optimize merchant propositions, covering MDR strategies, risk scoring, terminal architecture, and reconciliation. We build scalable, compliant acquiring infrastructures and support BIN sponsorship, APM integrations, and embedded finance initiatives.

Propositions

We can help
you with

Payment companies need a strategic approach to capture industry trends, identify opportunities, and optimize market positioning for sustainable growth. We can help you out in Strategy validation, Market & Opportunity Approach, Proof of Value & Impact Assessments and Partner Strategy & Vendor Selection

Challenge, approach, result

Let us guide you

With our deep payments expertise and collaborative approach, we’ll help you navigate change, seize opportunities, and thrive in a dynamic payments landscape

What was our approach

We conducted a comprehensive audit of the existing master documentation to identify gaps, redundancies, and areas for improvement.

Based on these insights, we delivered and restructured content into user-centric segments reflecting key merchant journeys.

Finally, we established a sustainable content governance model, defining clear roles, review cycles, and ownership to maintain quality and consistency over time.

Approach

What was the challenge?

The initiative addresses longstanding challenges around clarity, usability, and consistency across merchant-facing and internal materials.

The goal was to transform documentation from a purely technical resource into a strategic enabler – one that enhances merchant onboarding, supports product scalability, and strengthens the organisation’s position in a highly competitive domestic PSP market.

Connective Payments has been engaged to lead the end-to-end content redesign process.

Challenge

What was the result

Delivered user-friendly, accessible documentation for merchants and internal teams.

Updated content to align with the CMS structure.

Enabled the team to effectively maintain the documentation.

Result

Challenge, approach, result

Let us guide you

With our deep payments expertise and collaborative approach, we’ll help you navigate change, seize opportunities, and thrive in a dynamic payments landscape

What was our approach

We conducted a comprehensive audit of the existing master documentation to identify gaps, redundancies, and areas for improvement.

Based on these insights, we delivered and restructured content into user-centric segments reflecting key merchant journeys.

Finally, we established a sustainable content governance model, defining clear roles, review cycles, and ownership to maintain quality and consistency over time.

Approach

What was the challenge?

The initiative addresses longstanding challenges around clarity, usability, and consistency across merchant-facing and internal materials.

The goal was to transform documentation from a purely technical resource into a strategic enabler – one that enhances merchant onboarding, supports product scalability, and strengthens the organisation’s position in a highly competitive domestic PSP market.

Connective Payments has been engaged to lead the end-to-end content redesign process.

Challenge

What was the result

Delivered user-friendly, accessible documentation for merchants and internal teams.

Updated content to align with the CMS structure.

Enabled the team to effectively maintain the documentation.

Result

About

Our unique expertise

Instant Payments

The shift toward real-time payments is more than a regulatory requirement—it’s a technical transformation. We help PSPs, banks, and processors meet SEPA Instant and ECB mandate expectations by analyzing impacts across core systems, liquidity management, fraud monitoring, and 24/7 operations. Our experts support integration with RT1, TIPS, and other clearing mechanisms, ensuring readiness for real-time processing across the full value chain.

The shift toward real-time payments is more than a regulatory requirement—it’s a technical transformation. We help PSPs, banks, and processors meet SEPA Instant and ECB mandate expectations by analyzing impacts across core systems, liquidity management, fraud monitoring, and 24/7 operations. Our experts support integration with RT1, TIPS, and other clearing mechanisms, ensuring readiness for real-time processing across the full value chain.

Consumer & Commercial Issuing

For card issuers, we provide end-to-end support from scheme onboarding (Visa, Mastercard, UnionPay) to tokenization and mobile wallet enablement (Apple Pay, Google Pay, etc.). We design issuer processing architectures, roadmap modernizations, BIN strategies, and loyalty/payback systems. For commercial issuing, we help integrate virtual card capabilities, spend controls, and ERP connectivity for corporate clients.

For card issuers, we provide end-to-end support from scheme onboarding (Visa, Mastercard, UnionPay) to tokenization and mobile wallet enablement (Apple Pay, Google Pay, etc.). We design issuer processing architectures, roadmap modernizations, BIN strategies, and loyalty/payback systems. For commercial issuing, we help integrate virtual card capabilities, spend controls, and ERP connectivity for corporate clients.

Regulatory License to Operate in Europe

Becoming a licensed PI, EMI, or bank in the EU or UK means navigating complex regulatory and technical landscapes. We guide clients through the full licensing process—including RTS compliance, safeguarding structure, outsourcing frameworks, and AML/KYC tooling. Our team combines regulatory experience with the operational know-how to ensure not only license approval, but sustainable readiness for audits and supervision.

Becoming a licensed PI, EMI, or bank in the EU or UK means navigating complex regulatory and technical landscapes. We guide clients through the full licensing process—including RTS compliance, safeguarding structure, outsourcing frameworks, and AML/KYC tooling. Our team combines regulatory experience with the operational know-how to ensure not only license approval, but sustainable readiness for audits and supervision.

Mobility & Travel, EV Charging, Public Transport

Open-loop payment systems are redefining mobility. We support service providers in enabling EMV-based contactless payments across EV charging stations, transit networks, and travel platforms. This includes system architecture, integration with acquirers, tokenization, and settlement optimization. We help clients navigate complex stakeholder environments and build scalable payment capabilities that meet MaaS (Mobility as a Service) standards.

Open-loop payment systems are redefining mobility. We support service providers in enabling EMV-based contactless payments across EV charging stations, transit networks, and travel platforms. This includes system architecture, integration with acquirers, tokenization, and settlement optimization. We help clients navigate complex stakeholder environments and build scalable payment capabilities that meet MaaS (Mobility as a Service) standards.

Insights

Stay up to date

April 4, 2024

The Art of Onboarding

Do we still have to convince you of the need for a fast and seamless onboarding process? Every financial institution that wants to enter into meaningful, productive and lasting relationships…

Read more

April 19, 2023

Open banking beyond PSD2

As the European Commission is still busy evaluating the impact of the Second Payment Services Directive (PSD2), the banking community is looking beyond the Directive and preparing a new scheme…

Read more

April 19, 2023

Public transport payment systems

Ease of payment in public transport Public transport is an essential service in European countries, providing safe, convenient and affordable access to work, education, healthcare, and leisure activities. Anyone who…

Read more

Get in touch

Founded in

2014

Projects

260

Clients

75

Expert team

200+

Get in touch

Testimonials

What our clients say

“Connective Payments helped iDEAL in 2019/2020 with iDEAL innovations (including iDEAL scheduling) and with the start up of a new iDEAL system. It was great to work together with Eppo Heemstra and his team. “

Piet Mallekoote

CEO - Currence

“The collaboration with Connective Payments has gone very well. Expert advice, with an eye for stakeholder management and a great sense of administrative understanding. The final report was clear, well-arranged and to the point”

Freya van der Kroef

Head of Strategy - BNG

“We hired two senior consultants to support us in realizing the new Currence 2.0 and iDEAL 2.0 ambitions. The consultants worked in a very professional and self starting way on their specific assignements and were able to conclude their assignments in a timely manner. Quality of the delivered outcomes were according to expectation and involved stakeholders were well managed. The way of working can be best described as pro-active, self starting, bringing a wide experience in payments, and a structured approach.”

Daniel van Delft

CEO

“The collaboration with Connective Payments has gone very well. Expert advice, with an eye for stakeholder management and a great sense of administrative understanding. The final report was clear, well-arranged and to the point”

Freya van der Kroef

Head of Strategy - BNG

“Connective Payments helped iDEAL in 2019/2020 with iDEAL innovations (including iDEAL scheduling) and with the start up of a new iDEAL system. It was great to work together with Eppo Heemstra and his team. “

Piet Mallekoote

CEO - Currence

“The collaboration with Connective Payments has gone very well. Expert advice, with an eye for stakeholder management and a great sense of administrative understanding. The final report was clear, well-arranged and to the point”

Freya van der Kroef

Head of Strategy - BNG

“We hired two senior consultants to support us in realizing the new Currence 2.0 and iDEAL 2.0 ambitions. The consultants worked in a very professional and self starting way on their specific assignements and were able to conclude their assignments in a timely manner. Quality of the delivered outcomes were according to expectation and involved stakeholders were well managed. The way of working can be best described as pro-active, self starting, bringing a wide experience in payments, and a structured approach.”

Daniel van Delft

CEO

“The collaboration with Connective Payments has gone very well. Expert advice, with an eye for stakeholder management and a great sense of administrative understanding. The final report was clear, well-arranged and to the point”

Freya van der Kroef

Head of Strategy - BNG

Stefanie Lambeens

Senior Consultant

Connect

Would you like to know more?

The Connective Payments team closely collaborates with you to tailor the approach to your specific needs.

Stefanie Lambeens

Senior Consultant

Connect

Apply directly

Please contact Stefanie Lambeens or fill in our online application form.

Contact details

stefanie.lambeens@connectivepayments.com

+316 344 768 84