Services
Electronic Payments
We cover the main electronic payment methods: credit and debit cards, digital wallets, instant payments, account-to-account (A2A) transfers and contactless. We know how card schemes, fee models and processing technology work in practice.
Card Scheme Strategy and Economics
Advice on card programme design, processor selection, scheme and principal membership, interchange optimisation and portfolio management for consumer and commercial cards. We know how Visa, Mastercard and domestic schemes such as mada, BENEFIT, NAPS and Jaywan work commercially, and how to handle their rules and certification processes. Work ranges from new programme design for fintech issuers to portfolio reviews for established banks.
Instant Payments and Real-Time Rails
GCC central banks have launched instant payment systems in recent years, including SARIE in Saudi Arabia, Aani in the UAE and Fawran in Qatar, each with its own technical specifications, liquidity requirements and fraud profile. In Europe, the Instant Payments Regulation made SEPA Instant Credit Transfer mandatory for euro-area banks. We advise payment institutions on connectivity, compliance, intraday liquidity and fraud controls for irrevocable real-time payments.
Digital Wallets and Mobile Payments
Strategy and implementation advice for digital wallet programmes, mobile acceptance and QR payments. We cover Apple Pay and Google Pay issuer integration, Samsung Pay agreements, regional wallets and the QR acceptance infrastructure being rolled out in GCC markets. For acquirers and merchants, we compare the economics of wallet and card acceptance and set out the technical requirements for omnichannel acceptance.
Discuss your requirements
Speak directly with a specialist in any of these areas.