Industries We Serve in Payments
Payment challenges do not respect industry boundaries. FinPay Consultants brings deep payment expertise to every sector that relies on card-based and digital payment rails — from commercial banks managing complex acquiring programmes to insurance companies modernising claims disbursement infrastructure.
Commercial Banks
For established banking institutions, FinPay Consultants provides advisory across the full payment programme lifecycle: core card issuing strategy, chip profile engineering, acquiring programme establishment and optimisation, scheme membership maintenance, PCI DSS compliance, and clearing and settlement operations. We support major technology programmes including core banking payment module replacements, ISO 20022 migration, and switch vendor evaluations.
Digital Banks & Neobanks
Neobanks need to move fast without sacrificing compliance or technical soundness. FinPay Consultants advises on API-first infrastructure selection, cloud HSM architecture for key management, digital wallet product design, Open Banking integration (FAPI, PSD2/PSD3), BIN sponsorship structuring, and the transition from sponsored BIN to direct scheme membership.
Payment Service Providers (PSPs)
PSPs operate at the intersection of merchant demand, acquirer relationships and scheme rules. FinPay Consultants supports PSPs with gateway integration (CyberSource, MPGS, Adyen), merchant boarding programme design, multi-acquirer routing strategy, fraud management rule design and platform configuration, 3DS 2.x implementation, and scheme compliance programme management.
Card Processors
Card processors require deep expertise in issuer and acquirer processing architecture, scheme certification programme management, and ISO 8583 connectivity. FinPay Consultants advises on processing platform selection, issuer authorisation host design, acquirer clearing and settlement integration, EMVCo Level 2 and Level 3 certification programme management (MTIP, ADVT, CDET), and scheme network connectivity architecture.
Fintech Companies
Fintechs building embedded finance products, BNPL schemes, virtual card programmes or real-time payment rails need practitioners who understand both the technical and regulatory dimensions. FinPay Consultants provides fractional payment advisory for fintech product teams — covering technical architecture, regulatory licensing strategy, virtual card programme design, BNPL payment flow engineering, and real-time payment scheme participation.
Central Banks
Central banks building or upgrading domestic payment infrastructure face uniquely complex technical and governance challenges. FinPay Consultants advises on RTGS system design with ISO 20022 message specifications, national payment scheme oversight frameworks, domestic card scheme technical architecture, regulatory framework development for PSP licensing, and CBDC proof-of-concept programme design aligned to BIS CPMI principles.
E-commerce Platforms
E-commerce platforms face complexity across gateway selection, authentication, tokenisation and fraud management. FinPay Consultants advises on CyberSource and MPGS integration architecture, 3DS 2.x optimisation (frictionless rate maximisation, exemption strategy under PSD2 TRA), network tokenisation implementation (MDES, VTS), PCI DSS scope reduction strategies, and multi-acquirer routing for payment cost optimisation.
Government & Public Sector
Government agencies disbursing social benefits, pensions or subsidies at scale require payment infrastructure that is reliable, inclusive and cost-efficient. FinPay Consultants advises on Government-to-Person (G2P) payment programme design, prepaid disbursement card product engineering, national identity-linked payment infrastructure (biometric payment enablement), and the regulatory and operational framework for public sector prepaid card programmes.
Insurance Companies
Insurance companies are modernising claims disbursement and premium collection through card-based payment infrastructure. FinPay Consultants advises on claims disbursement via Visa Direct and Mastercard Send (push-to-card, real-time disbursement), virtual card programme design for automated claims payment and healthcare expense management, premium collection gateway integration, and HSA/FSA card product design with appropriate MCC controls.
Your sector. Our expertise.
Every industry has its own payment complexity. FinPay Consultants brings sector-specific knowledge and cross-industry payment depth to deliver outcomes that generic consultancies cannot match.