Stable banking and payment partners.
One partner decision can stop your revenue overnight
An acquirer that exits your vertical, a bank that closes a safeguarding account or rolling reserves that lock up cash flow – these are the risks payments businesses feel most, and they rarely show up at launch. They appear when volumes grow, a partner reviews its portfolio or a scheme updates its rules.
Payments Consulting builds your set-up so partners have fewer reasons to say no – and you have alternatives when one of them does.
Advisory across the full payment chain
Payment flow design and safeguarding
We map how funds move between customers, merchants, partners and your own accounts, and design safeguarding and reconciliation that banks and auditors accept.
Partner selection
We identify and assess acquiring, banking and payment service partners suited to your model, risk profile and markets – and support onboarding with them.
Scheme membership and card programmes
We advise on principal membership, sponsorship models and card programme structure.
PSD2/PSD3, open banking and SCA compliance
We align your services with payment rules, open banking obligations and strong customer authentication requirements.
For businesses where payments are the business
Payment and e-money institutions building or rebuilding their infrastructure
Platforms and marketplaces handling funds on behalf of users
High-risk merchants facing reserves, account closures or acquirer exits
Card issuers and programme managers
Companies moving from a partner's licence to their own
From current set-up to a partner-ready model
Review
CapitaLogic assesses your current payment flows, partners, contracts and pain points.
Design
We define the target model: flows, safeguarding, partners and scheme relationships.
Partner engagement
CapitaLogic Consulting prepares your due diligence pack and support onboarding with selected banks, acquirers and providers.
Compliance check
We confirm the set-up meets regulatory and scheme requirements before go-live.
Payments you can build a business on
Banking and acquiring partners chosen for stability, not only price
Fewer account closures, frozen funds and rolling reserves
Backup options so no single partner can stop your revenue
A payment set-up ready to support new markets and higher volumes
Often combined with
Licensing & Market Entry
securing your own EMI or PI licence.
AML & KYC Advisory
building the controls banks and acquirers expect to see.
Fintech Consulting
aligning your product and fund flows from the start.
Keep your payments running as you grow
Tell us how your funds move today, which partners you work with and where you plan to operate. CapitaLogic team will identify the weak points and outline a more stable set-up.