What We Do
Embedded expertise. No headcount.
Many fintechs and smaller banks need senior payment expertise on an ongoing basis — but not at the cost of a full-time Head of Payments. FinPay provides fractional programme management: a dedicated consultant embedded in your business who owns the payment function, manages schemes and vendors, and keeps your programme compliant and growing.
We hold accountability for outcomes, not just deliverables. If a scheme rule changes, we interpret it, brief your team, and update your processes — before the compliance deadline.
Scheme Relations
Own the relationship with your Visa and Mastercard contacts. Manage rule change cycles, waiver applications, and BIN range expansions.
Vendor Governance
Oversee your processor, gateway, HSM vendor, and perso bureau — SLA management, escalation, and commercial reviews.
Operational Oversight
Daily monitoring of auth rates, fraud metrics, chargebacks, and settlement. Exception management and incident triage.
Strategic Roadmap
Product roadmap input — new card products, geographic expansion, digital wallet enablement, and scheme certification timelines.