Subject Matter Expert Support.

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.

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.

When national or European infrastructure changes—think ISO 20022 migration, TARGET2 consolidation, or new instant rails—we help banks and central clearing participants adapt their architecture and interfaces. We specialize in message mapping, format validation, test strategy, and stakeholder coordination (e.g., with NCBs, EBA Clearing). We also support participation in pilot groups and readiness programs.

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.

We assist acquirers, PSPs, and ISOs with designing and optimizing merchant-facing propositions—across verticals and geographies. From MDR optimization and risk scoring to terminal architecture (e.g., SoftPOS) and reconciliation systems, we bring hands-on experience in building acquiring infrastructures that scale, differentiate, and comply with scheme requirements. We support BIN sponsorship setups, APM integrations, and embedded finance strategies.

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.