payzess.

Independent payments consultancy

Building the future of payments — faster, safer, smarter.

Payzess helps banks, PSPs, fintechs and public institutions design, deliver and run payment systems that succeed — from strategy to go-live and beyond.

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Combined decades in payments
20+
Markets advised
12
Continents served
4
Independent & vendor-neutral
100%
  • Commercial banks
  • Payment service providers
  • Central banks
  • Fintechs
  • Card schemes
  • Regulators
  • Market infrastructures
  • Development institutions
  • Private equity
  • E-money institutions

Who we are

Better payments make for a better world — and that’s what drives us.

Our consultants have led payment operations, built schemes and supervised markets. Today we bring that experience to public and private clients — banks, PSPs, technology firms, regulators, central banks and intergovernmental bodies.

  • Payment systems
  • Instant payments
  • Open banking
  • Fraud resilience
  • AI in payments
  • Regulation & compliance
Our servicesWhy Payzess

Our expertise

Clarity and direction in a fast-moving payments landscape.

Three ways we partner with you — choose one, or combine them into a single programme.

“We partner with institutions across the globe to shape the next generation of financial services.”

Our values

Why choose Payzess

Five principles shape how we work with every client, on every engagement.

Put our values to work for your team
  1. 1

    Partnership

    We embed alongside your team and measure our success by yours, not by billable hours.

  2. 2

    Knowledge

    We leave behind capability, not just deliverables, so your people own what we build together.

  3. 3

    Quality

    Rigorous analysis, precise documentation and recommendations you can take to the board.

  4. 4

    Talent

    Senior practitioners who have run payment operations, schemes and regulators — not generalists.

  5. 5

    Innovation

    Pragmatic adoption of instant rails, open APIs and AI where they create measurable value.

Global reach

Guiding payments leaders across Europe and beyond.

Rooted in Europe and working worldwide, we advise market infrastructures, associations, investors and government bodies wherever money moves.

  • Europe

    SEPA, instant payments, PSD3 and the digital euro

  • United Kingdom

    Faster Payments, open banking and APP fraud reimbursement

  • Africa

    National switches, mobile money and cross-border corridors

  • Americas

    Real-time rails modernisation and ISO 20022 migration

Insights

Hear directly from payments experts.

Featured · Regulation

The Instant Payments Regulation: what really changes for PSPs

Verification of payee, price parity and 24/7 availability are reshaping operating models across the euro area.

21 Oct 2026 · 6 min read

Let’s talk

Tell us where your payments need to go.

Whether you are scoping a new rail, preparing for regulation or building a team’s capability, a senior Payzess consultant will reply within two business days.

Working with
Banks, PSPs, fintechs, central banks and regulators worldwide
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