Transactional banking: As businesses increasingly prioritize working capital, banking costs, and efficient cash management processes, finance teams seek simplified, streamlined, and effective control over their banking relationships. Our specialized approach addresses hidden fees, unnecessary pricing, and ineffective account structures, offering clear resolutions and potential eliminations. We collaborate closely with clients to review, restructure, and if necessary, tender their banking arrangements. Leveraging our extensive experience and methodology, we handle the intricate details on behalf of our clients, ensuring a smooth and efficient process.

Merchant payments: The choice of payments provider significantly influences customer experience and sales outcomes for merchants. Different payment types and their user experience designs can either enhance or diminish customer satisfaction. We assist clients in crafting effective payment acceptance strategies and understanding their impact on user experience (UX). Our services include analyzing your costs, renegotiating pricing, updating contracts, reviewing fraud and chargebacks, advising on payment types and surcharging options, and staying abreast of the dynamic payments landscape. We also guide clients through regulatory requirements related to merchant agreements, including risk management and licensing. Additionally, we evaluate new platforms and develop market entry strategies for emerging and global payment providers.

As cash usage declines due to the rise of contactless and tap-and-go technologies, businesses are facing increasing payment acceptance costs. Recent changes in wholesale rates and least cost routing protocols present opportunities for significant cost savings. However, many businesses struggle to fully comprehend or negotiate these costs due to their complexity and the opaque nature of contracts. Embracing new payment methods such as voice payments and utilizing gateways like PayPal, Amazon Pay, Adyen, World Pay, Apple Pay, Google Pay, and buy now pay later services such as AfterPay are crucial for retailers and merchants navigating disruption and managing expenses.

AFSL / Regulatory Licensing: We provide support in applying for AFSL licenses, conducting reviews, preparing necessary documentation, ensuring compliance with regulatory and risk requirements, and conducting evaluations for prepaid/stored value facilities, insurance claims, and similar needs.

Card issuance: In an increasingly digital and user-friendly landscape, the method by which you provide payment options to customers significantly impacts their shopping or banking experience. We collaborate with banks, fintechs/neobanks, and financial services clients across a wide spectrum of services: including credit, debit, prepaid, and gift card programs, as well as emerging payment methods such as QR codes, NFC/contactless, card on file, and digital wallets. Our expertise spans regulatory and licensing requirements (such as AFSL, AUSTRAC, ACL, BIN Sponsors), technology platforms, loyalty programs, and distribution strategies to ensure comprehensive support for our clients.

Fintech and Neobanks: In an era where digital operations and customer engagement are paramount, a seamless and innovative approach to integrated shopping carts and payments is essential. We collaborate with fintech and neobank entities to ensure they not only meet their distinctive regulatory, funding, and legal obligations but also develop and execute their strategies, product roadmaps, and client experience (CX) strategies. We assist with market entry propositions, AFSL licensing applications, and BIN sponsorship arrangements. Our team has played a significant role in establishing Australia's largest fintech hub – Stone & Chalk – and provide evaluation and strategic advice to investors and venture funds regarding fintechs and emerging technologies.

Technology assessments: We possess practical expertise in reviewing and implementing new payment methods and platforms designed to resolve typical challenges faced by merchants and banks. Our services include advising on and evaluating emerging technologies to streamline processes, reduce fraud and chargebacks, and enhance customer sales with seamless, effortless payment methods. We collaborate with banks, payment networks, and global schemes to ensure compliance with regulations and standards. Additionally, we offer digital transformation services covering the selection and migration of outdated banking and payment systems to modern, API-driven technologies.