We support card issuers end-to-end. From scheme onboarding and mobile wallet tokenization to modern issuer processing, BIN strategy, and loyalty systems. For commercial issuing, we enable virtual cards, advanced spend controls, and seamless ERP integration.
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
psychology
What was our approach
Certification of issuing processor – Ensured the processor was certified with the relevant card scheme
Processor connectivity & integration – Integrated processor with the new bank’s backend systems
Licensing & BIN transition – Managed transfer of issuing license and BINs to the new bank in alignment with EU regulations
Go live execution – Supported rollout and monitored live transactions
Approach
extension
What was the challenge?
A European banking group acquired the retail branch of a global Tier 1 bank in a foreign market, requiring a seamless migration of high card transaction volumes.
The transition had to be executed without disrupting customer experience, while managing the complexities of a cross-border integration, adhering to strict scheme compliance, and meeting tight regulatory and project timelines.
Challenge
insights
What was the result
Achieved a seamless migration of all card issuing operations to the acquiring bank’s infrastructure with zero downtime
Ensured full compliance with regulatory and scheme requirements
Secured successful licensing and BIN transfer under both local and EU regulatory compliance
Protected customer continuity and trust during the sensitive post-acquisition phase
Accelerated the acquiring bank’s entry and operational presence in the foreign market
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
psychology
What was our approach
Certification of issuing processor – Ensured the processor was certified with the relevant card scheme
Processor connectivity & integration – Integrated processor with the new bank’s backend systems
Licensing & BIN transition – Managed transfer of issuing license and BINs to the new bank in alignment with EU regulations
Go live execution – Supported rollout and monitored live transactions
Approach
extension
What was the challenge?
A European banking group acquired the retail branch of a global Tier 1 bank in a foreign market, requiring a seamless migration of high card transaction volumes.
The transition had to be executed without disrupting customer experience, while managing the complexities of a cross-border integration, adhering to strict scheme compliance, and meeting tight regulatory and project timelines.
Challenge
insights
What was the result
Achieved a seamless migration of all card issuing operations to the acquiring bank’s infrastructure with zero downtime
Ensured full compliance with regulatory and scheme requirements
Secured successful licensing and BIN transfer under both local and EU regulatory compliance
Protected customer continuity and trust during the sensitive post-acquisition phase
Accelerated the acquiring bank’s entry and operational presence in the foreign market
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.
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.
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.
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.
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.
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.
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…
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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…
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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…
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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.