Instant Payments.

We help PSPs, banks, and processors meet SEPA Instant and ECB real-time payment mandates by assessing impacts on core systems, liquidity, fraud, and 24/7 operations. We guide integration with RT1, TIPS, and other clearing systems to ensure full real-time readiness.

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We listen, we understand, and we deliver.

We don’t just consult—we collaborate. In the complex world of payments, we’re the strategic ally that turns your challenges into breakthrough opportunities. Our consultants are strategic partners who empower you to transform challenges into opportunities with confidence.

Whether you’re looking to refine your payment strategy, optimize your business model, or navigate regulatory landscapes, we can help.

Optimize control over your business model.

Refine pricing strategies.

Accelerate your business goals

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?

Our approach is to guide stakeholders toward Instant Payments through a combination of market insight, structured coordination, and operational expertise. We focus on helping institutions and market bodies to:

Align priorities and implementation roadmaps across banks, processors, and scheme operators
Translate scheme and regulatory requirements into actionable operational frameworks.
Define consistent principles for risk, liquidity, and exception management in a 24/7 context.
Build shared understanding and readiness across the ecosystem to ensure sustainable adoption.

This structured, collaborative approach supports accelerated adoption while maintaining operational stability.

Approach

What was the challenge?

Banks and payment institutions across Europe are expected to enable Instant Payments to meet regulatory expectations and customer demand for real-time transfers. While infrastructures such as EBA Clearing (RT1) and TIPS are in place, many market participants face challenges aligning legacy systems, liquidity management, and 24/7 operations with EPC SCT Inst scheme requirements. The challenge lies in turning strategic intent into operational readiness , across technology, processes, and compliance.

Challenge

What was the result?

Trust is the core of payments. Operating in Europe requires a clear understanding of local and EU regulations. Compliance isn’t easy; the fast-paced regulatory environment demands precision, planning, and proactive governance.

New challenges like fraud prevention, operational resilience, and financial inclusion, alongside regulations like PSD3, PSR, DORA, and EEA, increase obligations and costs. These pressures can limit innovation and growth, forcing businesses to make tough choices.

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?

Our approach is to guide stakeholders toward Instant Payments through a combination of market insight, structured coordination, and operational expertise. We focus on helping institutions and market bodies to:

Align priorities and implementation roadmaps across banks, processors, and scheme operators
Translate scheme and regulatory requirements into actionable operational frameworks.
Define consistent principles for risk, liquidity, and exception management in a 24/7 context.
Build shared understanding and readiness across the ecosystem to ensure sustainable adoption.

This structured, collaborative approach supports accelerated adoption while maintaining operational stability.

Approach

What was the challenge?

Banks and payment institutions across Europe are expected to enable Instant Payments to meet regulatory expectations and customer demand for real-time transfers. While infrastructures such as EBA Clearing (RT1) and TIPS are in place, many market participants face challenges aligning legacy systems, liquidity management, and 24/7 operations with EPC SCT Inst scheme requirements. The challenge lies in turning strategic intent into operational readiness , across technology, processes, and compliance.

Challenge

What was the result?

Trust is the core of payments. Operating in Europe requires a clear understanding of local and EU regulations. Compliance isn’t easy; the fast-paced regulatory environment demands precision, planning, and proactive governance.

New challenges like fraud prevention, operational resilience, and financial inclusion, alongside regulations like PSD3, PSR, DORA, and EEA, increase obligations and costs. These pressures can limit innovation and growth, forcing businesses to make tough choices.

Result

About

Our unique expertise

Strategy Validation

We’re here to sharpen your strategy, strengthen your position, and set you up for success.

Impact Assessments

Connective Payments takes a tailored approach, recognizing that each business has unique characteristics and regulatory challenges. Through careful navigation of regulatory requirements and close collaboration with legal experts, we develop pragmatic solutions for our clients.

Partner Strategy & Vendor Selection

In today’s fast-moving payments landscape, even small oversights can bring big consequences. Reliable funding, strong partnerships, and robust strategies are vital for scaling, transforming, or adopting new technologies and regulations.

Insights

Stay up to date

All Insights

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…

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…

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…

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Founded in

2014

Projects

260

Clients

75

Expert team

200+

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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.

Get in touch

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

Payments Consultancy

Project & Transformation Management

Subject Matter Expert Support

Recruitment

Instant Payments.

Digital Onboarding

PSD2 Licensing

We listen, we understand, and we deliver.

Optimize control over your business model.

Refine pricing strategies.

Accelerate your business goals

Let us guide you

What was our approach?

What was the challenge?

What was the result?

Let us guide you

What was our approach?

What was the challenge?

What was the result?

Our unique expertise

Strategy Validation

Impact Assessments

Partner Strategy & Vendor Selection

Stay up to date

The Art of Onboarding

Open banking beyond PSD2

Public transport payment systems

What our clients say

Stefanie Lambeens

Would you like to know more?

Apply directly

Apply online

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