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 →
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.
CONSULTING IN ACTIONOUTCOME FOCUSED
01 / FIND THE VALUESee what others miss.Market, customer and portfolio insight.
02 / MAKE THE DECISIONBuild the commercial case.Strategy, proposition and roadmap.
03 / DELIVER THE CHANGEMove from plan to impact.Execution, launch and optimisation.
800+payments projects delivered worldwide
SELECTED ORGANISATIONS WE HAVE SERVED
What we do
Every stage. One specialist partner.
Our work spans commercial cards & payments, acquiring, business banking and the technologies reshaping the industry.
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 · virtual02Supplier paymentsAP · procurement · treasury03AcquiringChannels · 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 roadmapPORTFOLIO REVIEW
Payments Performance Sprint
Identify the commercial, customer and operational interventions most likely to improve portfolio results.
Insight · actions · value caseCORPORATE REVIEW
Payments Value Diagnostic
Review card programmes, supplier payments, acceptance, expenses and data to quantify the most valuable improvement opportunities.
Benchmark · value case · roadmap800+projects delivered
35countries
25+years in payments
20working 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.
01
Experience-ledSenior practitioners who understand the commercial realities.
02
IndependentClear thinking, free from platform or vendor bias.
03
Outcome-focusedMeasurable progress rather than open-ended consulting.
04
Globally 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.
EnglishEspañolFrançaisItalianoDeutschNederlandsРусскийPolskiNorskSvenskaDanskSrpskohrvatskiالعربيةעבריתBahasa Melayuहिन्दीKiswahiliAfrikaansPortuguês
Nicki Bull BisgaardFounder, 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 on WhatsApp ↗Prefer email? hello@paytechconsulting.com