Our work divides into two halves. On one side we act for any business or public body that makes or receives payments and wants to pay less to do so. On the other we act for the firms building payment products, where the questions are about licensing, pricing, and how a product connects to the schemes and the banks.
Taking apart the full payments cost stack — card acceptance, cash handling, foreign exchange, banking charges and treasury — and recovering what is being overcharged. Most clients start here.
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Senior commercial advice for payment institutions, electronic money institutions, fintechs and stablecoin issuers, covering licensing, scheme access, sponsor banking and pricing.
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Where a firm knows what it wants to build but has nobody to build it, we act as the commercial product team and stay until the product is live.
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Where a client needs a provider rather than advice, we introduce them. Any commission we receive is declared to the client before the introduction is made.
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Equity and capital arrangements with firms in the sector, and introductions between them.
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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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