Services
Electronic Payments
We cover the full spectrum of electronic payment methods: credit and debit cards, digital wallets, instant payments, A2A transfers and contactless solutions. Deep knowledge of card scheme structures, fee models and processing technology.
Card Scheme Strategy and Economics
Advisory on card programme design, processor selection, scheme membership and principal membership considerations, interchange optimisation, and portfolio management for consumer and commercial cards. We have deep knowledge of how Visa, Mastercard, mada, BENEFIT and local scheme structures work commercially, and how to navigate scheme rules and certification processes. Engagements range from new card programme design for fintech issuers to portfolio reviews for established banks.
Instant Payments and Real-Time Rails
The GCC has deployed several real-time payment rails in recent years, SARIE in Saudi Arabia, Aani in the UAE, QPay in Qatar, each with distinct technical specifications, liquidity requirements and fraud characteristics. In Europe, the EU Instant Payments Regulation made SEPA Instant Credit Transfer mandatory for eurozone banks. We advise payment institutions on connectivity requirements, compliance obligations, intraday liquidity management and fraud controls specific to irrevocable real-time payments.
Digital Wallets and Mobile Payments
Strategy and implementation advisory for digital wallet programmes, mobile payment acceptance and QR code payment deployment. We cover Apple Pay and Google Pay issuer integration, Samsung Pay scheme agreements, regional wallet programmes, and the QR acceptance infrastructure being deployed across GCC markets. For acquirers and merchants, we assess the economics of wallet acceptance relative to card transactions and the technical requirements for omnichannel payment acceptance.
Discuss your requirements
Speak directly with a specialist across any of these areas.