Our Services
We help organisations design, implement, and sustain the payments of tomorrow.
Explore our solutions
Advisory Services
Paylume’s advisory team brings together decades of payments experience across the public and private sectors. We help clients shape the next generation of payments, combining strategic guidance with practical delivery expertise. From advancing instant payments readiness to supporting SEPA adoption for EU accession states, we provide deep knowledge of the regulatory, technical and operational foundations required to build trusted, future-proof payment ecosystems.
Payments are evolving rapidly. Whether enabling open banking capabilities, evaluating new payment methods, exploring commercial models around stablecoins, or deploying agentic AI to automate decision-making and optimise payment journeys, we help our clients stay ahead. Combining strategic insight with hands-on delivery expertise, we turn innovation into measurable value. From intelligent payment orchestration and real-time fraud mitigation to autonomous financial operations and customer engagement, we help organisations unlock new opportunities while delivering more secure, agile and cost-effective payments.
Payments Strategy
Paylume’s advisors help organisations make sense of emerging payment innovations, from Request to Pay, which simplifies invoicing and supports healthier cash flow, to preparing for the Digital Euro and its impact on liquidity management and retail payments across the Eurozone.
We can help your team comply with regulatory expectations in your respective markets, while developing products and services that genuinely add value for customers.
Our advisory work regularly supports financial institutions in reshaping their processes, systems, and fraud prevention controls so they remain compliant while also taking advantage of faster settlement cycles and more modern payment capabilities.
Standards & Compliance
Paylume’s team of experienced advisors can also help organisations explore innovations such as Request to Pay, which streamlines invoicing and improves cash flow, or prepare for the arrival of the digital euro, which will reshape liquidity management and retail
payments for Eurozone banks.
We can help your team come up to standard in your market while also building innovative and customer-focused products.
Our advisory work is demonstrable in helping firms to adapt their processes, infrastructures, and fraud prevention controls to comply while also benefiting from faster settlement cycles.
Regulatory Alignment
Both legislative change and shifting customer expectations have meant that organisations need to rethink how they design secure and seamless customer journeys. The mandating of payment standards such as open banking and instant payments has meant that financial institutions have had to adapt many of their business models and processes. Our team of advisors have worked with governments and financial institutions across the world and can help your team ensure they are compliant with legal requirements globally.
Digital Transformation
Our Digital Transformation team has a proven track record of delivering large-scale change programs for tier‑one banks, international payment providers, and fintech companies across global markets.
This expertise is complemented by deep capabilities in AI strategy, solution development, and implementation, helping organisations unlock new efficiencies, accelerate innovation, and create measurable business value.
This blend of skills enables us to accelerate digital transformation journeys, while maintaining high-quality standards.
Real-time & Instant Payments
Delivering instant and real-time payments in the payments space is no longer optional or an afterthought; it is a competitive and often legal necessity for financial institutions around the world.
Paylume’s digital transformation team can ensure that your business can adapt to the new normal and are not left behind while others forge ahead.
ISO 20022
The new global messaging standard, ISO 20022, is a foundation for digital transformation in the financial services sector and our team is experienced in helping institutions implement and convert their systems for this.
ISO 20022 enables data-rich, structured messaging by carrying far more detailed information than older standards like SWIFT MT.
This allows financial institutions to gain richer data amd makes automation, advanced analytics, and smarter digital services possible.
Coming into compliance with this can be daunting, but Paylume’s team can ensure that your business is able to seize the opportunity, fostering innovation by delivering standardised, machine-readable data that can be leveraged to create value-added services.
Request to Pay & Verification of Payee
Education & Training
Paylume’s educational programmes equip trade associations, financial institutions, and public bodies, including regulators, with the knowledge that is necessary to navigate every stage of the payments journey. From foundational concepts and scheme rules to open banking, instant payments, fraud prevention, and the operational realities of running payment systems, our training helps organisations build confidence, capability, and alignment in a rapidly evolving payments landscape.
Navigating Complex Regulations
Proactive Compliance and Opportunity
Tailored Training for Teams
Trusted by Public and Private Sectors
Banks and payment providers
Banks across the world are dealing with a variety of challenges, from updating legacy systems to managing jurisdictional requirements. Paylume helps banks meet compliance and stay competitive by supporting adoption of SEPA Inst, SEPA RTP, and SEPA OCT Inst. We also prepare banks for new regulations such as the Instant Payments Regulation (IPR), as well as for major changes like the Digital Euro. Our guidance ensures banks modernise effectively, strengthen resilience, and capture opportunities in the evolving payments landscape.
Government bodies and organisations
Paylume’s experts can support government bodies, such as central banks and regulators, in modernising their national payments ecosystems and aligning with international standards. We have partnered with countries around the world to implement global frameworks such as SEPA in the EU, and boost their payment infrastructures. We can help design policies that enable safer, more efficient, and more competitive financial services on the global stage.
Our team also advises on introducing new solutions, from open banking to instant payment schemes, ensuring that our government clients can foster local innovation, protect consumers, and build resilient systems that support long‑term economic growth.
Fintechs and EMIs
Fintechs and electronic money institutions face unique challenges, from cross-border payments without direct system access to liquidity management. Paylume advisors help your firm improve efficiency, strengthen compliance, and capture opportunities from legislative changes, such as gaining direct access to Eurozone payment systems. We also support preparation for the Digital Euro and the upcoming merger of the Payment Services Directive and Electronic Money Directive, which will reshape licensing structures. With proactive guidance, EMIs and fintechs can remain agile, reduce risk, and seize opportunities as payments regulation evolves across Europe and beyond.
Answers to the MOST COMMON PAYMENTS questions
Frequently Asked Questions
What types of payments advisory services do you provide?
Paylume can provide advisory services to both the private sector and the public sector, unlocking innovation and efficiency in the payments space. Our team of experts can ensure that your payment services are compliant with regulatory frameworks around the world, and enable better decision-making.
How do you support ISO 20022 migration?
The ISO 20022 migration impacts almost all banks globally. Thousands are already live, and thousands more in the process of implementation. Paylume can support your team in transitioning to the new standard, so that your cross-border payments are not negatively affected due to a poor transition or compliance bottleneck and your company can leverage the data rich results that will come from the new messaging standard.
What is Request to Pay and how can it benefit banks and PSPs?
Request to Pay, which is often abbreviated R2P or RtP, is a messaging framework that allows a payee such as a merchant, utility company, or even a friend, to send a digital request for payment to the payer, who can then flexibly choose how and when to respond.
Paylume believes that this will be able to help banks and payment companies alike to gain competitive advantage and to create a new revenue stream with a value-added overlay service. This can increase customer engagement through banking apps while supporting digital invoicing, reducing biller costs and improving reconciliation.
Do you offer training for transaction banking professionals?
Paylume offers in-depth training to professionals in the banking and payment space and our work has allowed a variety of companies and public sector officials to adapt to the various changes and transformations that are ongoing in the payment space.
Our team has deep knowledge and decades of experience working with legal and industry standards, such as PSD2 and the SEPA schemes.
