How can you do what you’ve always done – but better than before?

We work with both issuers and acquirers to help them address the challenges of increased regulation, heightened competition, a more complex ecosystem and ever-greater levels of consumer and retailer expectation.

Because we work across the globe, we can see how different businesses are adapting to the new environment.  In Europe for example, the new interchange regulation (IFR) has re-set the way that the industry operates, and the new Payment Services Directive (PSD2) is mandating new levels of transparency and access.  As well as helping European clients to adapt to the new reality, we export our learnings to other geographies, and help clients prepare for challenges ahead.

Techniques we deploy include:

Data management and portfolio optimization

To help clients get a closer grip on their business and its performance (right down to the cardholder or merchant level), and identify opportunities for optimization.

New and enhanced revenue streams

To help clients to pinpoint and pursue the more profitable areas of the business, including cross-border payments, smarter lending solutions, consumer-to-commercial portfolio shifts, and the opportunity for chargeable, value-added benefits.

Cost efficiencies and savings

To help both issuers and acquirers to understand and manage their cost-drivers and to make smart savings which do not undermine their wider business success. Often we will ensure that the right fees and rates are being applied across the business.

Lifecycle management programs

To ensure that every opportunity to create value and earn revenues is effectively pursued, including customer acquisition, activation, early-months-on-book, usage and balance building, and retention.


Unusually, members of the PayTech team have worked on both sides of the fence – both in the payment businesses that provide procurement and T&E solutions, and in the companies that use them. 

Drawing on this ‘dual perspective’ we help payment businesses to create better solutions, and we help large corporations to get more value from them.  

Strategy Development

It all starts with the strategy.  To help you get this all-important step just right, we can: define vision and values; identify and quantify business opportunities; establish measurable objectives; secure commitment from stakeholders; and scope out your project.

Product Development & Management

We work with you to craft the ideal product and proposition.  To do so, we can: source all the necessary components; work through the cost and revenue dynamics; establish the KPIs; develop the launch campaign; and ensure it lives up to its potential.

Sales & Account Management

We help you to implement an effective sales process.  We work with you to: determine your distribution strategies; develop your sales tools; train and develop your sales teams; and implement a winning RFP and pitching process.

Program Optimization

Using our proprietary tools we can analyse and benchmark your performance. We can identify opportunities for improvement (from acquisition to activation and usage). And, we can work through a practical, actionable set of recommendations.


We work for multinational clients across North America, EMEA, LAC and APAC, helping them to design, source and manage effective payment solutions.  Together, we: 

  • Identify opportunities 
  • Set goals
  • Source solutions
  • Plan and implement programs
  • Optimize performance

Having led global card program projects for large multinationals. We understand the realities of multi-national change projects, and how to overcome the challenges.  Also, we have no vested interests.  For example, when we work with global companies to manage their RFI and RFP processes, we do not make recommendations or have a scoring role. Instead, we provide guidance and direction, using proven methodologies, proprietary tools and robust approaches.