Services

Payments strategy, operations and innovation

Payments is a strategic function wherever money is moving. A good payments strategy delivers material incremental revenue, improves the customer experience and ensures ongoing financial efficiency. Apayo tackles these challenges through provision of practical, tactical advice with a clear, structured path to implementation. Such as:

Payments operations metrics, KPIs and goal setting
Business performance reporting and insights
Third party provider commercial terms, fees and contracts
Governance, policy and standard operating procedure
Payment method implementation
Consumer payment preferences in global markets and regions
Compliance and risk management
Payments proposition development, B2B and B2C
Organisational design, roles and responsibilities
Talent acquisition

Fraud, chargebacks and compliance management

Fraud and compliance are often the most significant threats to an online business. Chargebacks damage your reputation, reduce consumer trust and increase costs. Managing these optimally is a Day One consideration.

There is no way to avoid these risks completely; they are a fact of doing business. Striking the right balance between protecting revenue and managing risk is essential. This is achieved by implementing an effective set of tactical and strategic controls and processes right-sized for the challenges faced by your individual business.

Apayo will advise you how to develop the right strategy, policy, processes, reporting and tools for your business to control risk while protecting revenue.

Executive and leadership validation

What does good look like? It is hard to benchmark your current set-up vs the best in the industry. The payments industry is complex with many hidden nuances and challenges. Understanding this complexity, the underlying drivers - and what to do about it - is crucial to effectively lead an online business.

Apayo will partner with you to understand and validate your current capabilities end-to-end. We will tell you what is working well and what needs to improve, with detailed, structured advice communicated in easily digestible formats.

Client industries

Apayo serves different types of clients across the spectrum of maturity and complexity, such as:

Enterprise e-commerce merchants
Start-up online businesses
Fintechs
Acquirers
Card issuers
Payment service providers
Banks

Next steps

Apayo can fulfil the following requirements:

Run a short-term mission to understand and validate the status quo, and provide practical advice on how to optimise
Embed within the business over a longer-term to coach the team to achieve improved performance
Serve as interim leadership to run the team and improve results, and help onboard a full-time permanent expert
Conduct ad hoc Q&A sessions in bite-sized sessions to address specific pain points, challenges and opportunities

Please contact us at hello@apayo.co.uk to discuss your needs.