Building a payment product raises a different set of questions from buying one. The commercial architecture — which licence you hold, how the product connects to the schemes, which banking relationships you hold directly — determines what the product can do, who it can serve, and what it costs to run at scale. Getting those decisions wrong early is expensive to unpick later.
We carry out a diagnostic of your payments costs across the full stack —
We benchmark every line against what the market actually offers, identify the lines where you are paying more than you need to, and quantify what the savings would be on better terms.
Which permissions you need, what the regulator will expect of the application, and how to structure the entity to get through authorisation efficiently.
Whether to connect as a direct member, a principal member or through a sponsor, what each route costs and what it requires.
Selecting, negotiating and managing the sponsor bank relationship; what to hold directly versus what to route through an agent.
Which capabilities to build, which to license, and which to buy from a third party, with the commercial terms on each.
How to price the product against scheme economics and what the margin structure looks like at volume rather than at launch.
On acquisitions, partnership terms and the commercial assumptions behind a fundraise.
Where products need to work across UK and European jurisdictions, structuring the entity and licence stack accordingly.
Work is arranged either as a monthly retainer or as a fixed-fee project with a defined scope. It suits firms that need senior commercial judgement on hand without taking on the cost and commitment of a permanent hire.
MiCA electronic money token authorisation and the UK sterling-stablecoin regime; banking-as-a-service models and bank identification number sponsorship pricing; acquiring portability and processor migrations; scheme connectivity for account-to-account payment products.
The first conversation takes half an hour, costs nothing and commits you to nothing. If there is nothing here for you, we will say so.
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