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Advisory + transformation · Since 1999

Commercial payments.Made possible.

Strategy and execution for the world's leading banks, payment networks, processors, fintechs and corporates—from first insight to measurable impact.

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Consulting in actionOutcome focused

  1. 01 / Find the value

    See what others miss.

    Market, customer and portfolio insight.

  2. 02 / Make the decision

    Build the commercial case.

    Strategy, proposition and roadmap.

  3. 03 / Deliver the change

    Move from plan to impact.

    Execution, launch and optimisation.

800+payments projects delivered worldwide

Selected organisations we have served

Organisations served include CIB Egypt, National Bank of Egypt, Banque Misr, Banque du Caire, National Commercial Bank Libya, Co-operative Bank of Kenya, Absa Africa, CredPal, Emirates NBD, Mashreq, First Abu Dhabi Bank, RAKBANK, Bank Albilad, KIB, Bank Sohar, Mastercard, Visa, Diners Club, Nordea, SEB, Barclays, Raiffeisen, AirPlus, Tieto, Westpac, Citi, BBVA, Intesa Sanpaolo, Sparebanken Norge, Lloyds Banking Group, ANZ, NAB, Bendigo Bank, Kiwibank, Standard Bank, Truist, KeyBank, Uno-X, World Bank.

What we do

Every stage. One specialist partner.

Our work spans commercial cards & payments, acquiring, business banking and the technologies reshaping the industry.

  • 01 / Strategy

    Payments strategy & market entry

    Growth strategy, market sizing, competitor analysis, business cases, propositions and practical roadmaps for new markets or new lines of business.

    See clearly

  • 02 / Products

    Product & proposition development

    Customer-led design for commercial cards, virtual cards, acquiring, expense management, embedded finance and next-generation payment experiences.

    Build the right offer

  • 03 / Performance

    Portfolio growth & optimisation

    Acquisition, activation, usage, retention, pricing, profitability and authorisation performance—converted into actions teams can deliver.

    Unlock performance

  • 04 / Transformation

    Operating model & delivery

    Target operating models, partner selection, programme design, implementation support and governance from board approval through launch.

    Move to execution

  • 05 / Corporates

    Corporate payments advisory

    Card and payments strategy, tender support, acceptance economics, expense ecosystems and supplier payment transformation for corporates and public bodies.

    Create enterprise value

  • 06 / Analytics

    Data, diagnostics & opportunity

    Authorisation decline analysis, SME identification, portfolio diagnostics and opportunity mapping that reveal where commercial value is hiding.

    Turn data into action

Who we work with

Specialist insight for every side of payments.

  • Payment schemesStrategy, market development and bank delivery.
  • Banks & issuersGrowth, products, optimisation and transformation.
  • ProcessorsProposition, partnerships and go-to-market support.
  • FintechsCommercialisation, scaling and market entry.
  • CorporatesBetter buying, paying, accepting and controlling spend.
  • Public sectorProcurement, payment strategy and modernisation.

For corporate clients

Take control of how your business pays—and gets paid.

Corporate payments are too important to be treated as banking administration. We help finance, procurement and treasury teams reduce cost, improve control, release working capital and create a better employee and supplier experience.

  • 01Card programmesTravel · purchasing · virtual
  • 02Supplier paymentsAP · procurement · treasury
  • 03AcquiringChannels · markets · routing
  • ↘Lower costOptimised economics
  • ◎Better dataOne source of truth
  • ＋Working capitalMore cash, more control

  • 01

    Corporate card strategy

    Review travel, purchasing, lodge, fleet and virtual card programmes; improve coverage, controls, rebates, data and employee experience.

  • 02

    RFPs & provider selection

    Design requirements, benchmark the market, run tenders and negotiate with issuers, acquirers, expense platforms and technology providers.

  • 03

    Supplier payments & working capital

    Identify cardable spend, segment suppliers and build practical migration programmes across virtual cards, accounts payable and embedded payments.

  • 04

    Expense management

    Simplify policy, approval and reconciliation; connect cards, expenses, procurement and finance systems into one controlled journey.

  • 05

    Merchant acceptance

    Benchmark acquiring costs, optimise routing and acceptance, reduce declines and select the right commercial model across markets and channels.

  • 06

    Payments data & analytics

    Turn transaction data into visibility: spend patterns, leakage, supplier opportunity, card adoption, acceptance performance and policy compliance.

  • 07

    Global programme design

    Balance global standards with local regulation, issuer coverage, tax, currencies and market practices across multinational operations.

  • 08

    Implementation & change

    Build the roadmap, mobilise stakeholders, manage providers and support communications, rollout, adoption and benefits tracking.

The result: payments that work harder.

Lower cost. Stronger controls. Better data. More automated processes. Improved working capital. A programme employees and suppliers will actually use.

Focused engagements

Start with the decision that matters.

Defined outcomes, senior specialists and a clear timetable. Our focused engagements create momentum quickly and can stand alone or open the path to wider transformation.

  • 4-week diagnostic

    Precision Banking Readiness

    Assess data, decisioning, customer journeys and operating readiness for AI-enabled personalised banking.

    Clear priorities · practical roadmap
  • Portfolio review

    Payments Performance Sprint

    Identify the commercial, customer and operational interventions most likely to improve portfolio results.

    Insight · actions · value case
  • Corporate review

    Payments Value Diagnostic

    Review card programmes, supplier payments, acceptance, expenses and data to quantify the most valuable improvement opportunities.

    Benchmark · value case · roadmap
800+
Projects delivered
35
Countries
25+
Years in payments
20
Working languages

How we work

From boardroom ambition to customer impact.

Our teams are built around the problem—not around a bench. You get experienced people, a clear mandate and delivery discipline from day one.

  • 01Experience-ledSenior practitioners who understand the commercial realities.
  • 02IndependentClear thinking, free from platform or vendor bias.
  • 03Outcome-focusedMeasurable progress rather than open-ended consulting.
  • 04Globally connectedLocal knowledge backed by an international specialist network.

Global reach

Wherever payments are moving.

Regional teams, international perspective. Our hubs connect clients with specialist payments experience and the local understanding needed to make change work.

  • Europe region

    London · Edinburgh · Oslo

    European market expertise

  • MENA region

    Fujairah · Dubai · Manama

    Middle East and North Africa

  • East Africa region

    Nairobi

    Regional centre for East Africa

  • AP region

    Pune · Singapore

    Asia-Pacific delivery and expertise

20

Working languages

One team, many markets.

Global expertise. In your language.

Local fluency helps us turn international payment strategy into decisions that work in-market — with customers, regulators and commercial teams.

  • English
  • Español
  • Français
  • Italiano
  • Deutsch
  • Nederlands
  • Русский
  • Polski
  • Norsk
  • Svenska
  • Dansk
  • Srpskohrvatski
  • العربية
  • עברית
  • Bahasa Melayu
  • हिन्दी
  • Kiswahili
  • Afrikaans
  • Português

“

Nicki Bull Bisgaard

Founder, PayTech Group

Payments is never just about technology. It is about turning possibility into something customers value—and businesses can deliver.

For more than three decades, Nicki has worked across cards and payments, advising organisations around the world and building PayTech into an independent international specialist group.

What could payments do next for your business?

Bring us the ambition, the problem or simply the beginning of an idea. We’ll bring the experience to move it forward.

Let’s chat