Merchant payments & acquiring
Onboarding, MDR optimisation, settlement, and merchant lifecycle at scale.
Roles: acquiring PMs, settlement analysts · Tech: gateway APIs, POS middleware
Issuing & card programmes
Product setup, processor integration, tokenisation, and wallet enablement.
Roles: issuing specialists, programme managers · Tech: HSM, token vaults, CMS
Payment switching
High-throughput switching, routing logic, and host-to-host integration.
Roles: switch engineers, integration leads · Tech: ISO8583, ISO20022, MQ, Kafka
Gateways & API payments
API-first products, developer experience, and orchestration layers.
Roles: API engineers, platform PMs · Tech: REST, webhooks, idempotency patterns
Digital banking & wallets
Account-to-account, P2P, and embedded payment experiences in banking apps.
Roles: mobile payments leads, wallet architects · Tech: SDKs, OAuth, strong customer auth
Real-time payments & UPI
Instant settlement rails, liquidity management, and cross-border RTP bridges.
Roles: RTP engineers, liquidity analysts · Tech: FedNow, RTP, UPI NPCI stack
ISO8583
Legacy messaging, field mapping, certification, and switch modernisation.
Roles: 8583 developers, certification engineers · Tech: bitmap parsers, host protocols
ISO20022
Migration programmes, rich data mapping, and coexistence with legacy rails.
Roles: migration architects, message analysts · Tech: XML, MX, SWIFT CBPR+
PCI DSS & security
Scope reduction, audit readiness, and secure cardholder data environments.
Roles: QSA support, security architects · Tech: network segmentation, HSM, KMS
Settlement & reconciliation
End-of-day processing, exception handling, and multi-party reconciliation.
Roles: recon analysts, batch engineers · Tech: ETL, ledger systems
Chargebacks & disputes
Scheme dispute workflows, representment, and operational efficiency.
Roles: chargeback ops leads, dispute analysts · Tech: Ethoca, Verifi integrations
Testing & certification
Scheme certification labs, regression automation, and pre-production validation.
Roles: payment QA, cert engineers · Tech: simulators, test harnesses
Cloud payments
Cloud-native payment platforms, resilience, and cost-optimised scale.
Roles: cloud architects, SRE · Tech: AWS, Azure, Kubernetes, event-driven arch
Open banking & embedded finance
PSD2/PSD3 compliance, consent models, and partner API ecosystems.
Roles: open banking PMs, integration engineers · Tech: OAuth2, FAPI, VRP