Our Services

We help organisations design, implement, and sustain the payments of tomorrow.

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Advisory Services

Backed up by experts that boast decades of experience, Paylume’s advisory services are exemplary in providing support to companies, regulators, and trade bodies alike in building strategies to leverage emerging technologies such as AI and blockchain. 

Paylume’s advisory services have been able to combine expertise, strategic insights, and technical know-how to ensure that businesses achieve more secure, agile, and cost-effective payments systems.

Standards & Compliance

Our specialist advisory services have been able to support businesses as they to go market with new products, optimising their payment strategies in line with both compliance obligations and market opportunities.

Payments Strategy

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

Driving the adoption of modern secure and scalable payment solutions

Our Digital Payments Transformation team has a proven track record of delivering large-scale change programs for tier-1 financial institutions, payment vendors, and fintechs around the world.

We bring a unique blend of deep payments domain expertise, payments solution and technology know-how, and a unique payments program delivery methodology. This enables our clients to accelerate their transformation, maintain high quality, reduce their costs of providing payment solutions to their clients, and future-proof their end-to-end payments landscape.

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

Request to Pay and Verification of Payee are two elements of the payments ecosystem that are only going to grow in use, especially with the increased focus on fraud prevention, and the digitisation of invoices from governments and the private sector alike. Paylume’s experts possess deep knowledge of standards such as SEPA, and can help your firm ensure that it is compliant while also providing payments that are frictionless and user friendly.

Education & Training

Paylume’s educational programs are pivotal in giving businesses, governments, and financial institutions the training that they need to keep pace with the rapidly evolving payments landscape.

Navigating Complex Regulations

Financial institutions have faced a plethora of different regulatory frameworks and standards in recent years –from open banking in the EU and UK, to new reporting requirements for SEPA instant payments, and the implementation of ISO 20022.

Proactive Compliance and Opportunity

There is a pressing need to take a proactive stance, and Paylume’s seasoned professionals provide custom-made training to ensure compliance while also helping clients capitalise on emerging opportunities.

Tailored Training for Teams

By offering tailor-made training and customised consultancy, Paylume builds capability and confidence among payment and banking teams.

Trusted by Public and Private Sectors

Our work has enabled both public and private sector organisations to implement secure, efficient, and compliant processes aligned with global best practice.

Who does Paylume serve?

Banks

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) and the Digital Operational Resilience Act (DORA), 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.

Electronic Money Institutions

Electronic money institutions face unique challenges, from cross-border payments without direct system access to liquidity management. Paylume advisors help EMIs 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 can remain agile, reduce risk, and seize opportunities as payments regulation evolves across Europe and beyond.

PSP's & Fintech

Paylume ensures payment service providers and fintechs are ready to comply with new rules such as Verification of Payee, with strong fraud prevention strategies to protect customers and build trust. We also help firms leverage new payment trends like Request To Pay, enabling revenue growth and customer acquisition. With tailored support, PSPs and fintechs can adapt to change, scale securely, and stay ahead of innovation. Our experts guide you in meeting compliance demands while positioning your business for long-term success in a competitive payments ecosystem.

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.

Can you support both strategy and implementation projects?

Paylume’s highly experienced team can bridge strategy and implementation in payments by linking regulatory and market insight with hands-on deployment. This ensures that initiatives like fraud prevention, instant payments, or cross-border solutions are equally ambitious and executable.

Ready to future-proof your payments business?

Paylume can help.