Expertise

The whole payments stack, one senior team

Payments programs rarely stay inside one box. A new wallet touches issuing, tokenization, keys and fraud. Our consultants bring specialist depth in all 22 of these practice areas to every engagement, and make sure the pieces fit.

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Acquiring & Issuing

Merchant Acquiring

Gateways, authorization switches, settlement and merchant onboarding.

Issuing & Card Management

Debit, credit, prepaid and virtual card platforms, end to end.

POS & Terminals

Android POS, unattended terminals, estate management and certification.

Cards, EMV & Security

EMV Chip & Kernels

Contact and contactless kernels, personalization and EMV certification.

Compliance & Certification

PCI DSS, PCI PTS, EMVCo, scheme and 3-D Secure readiness.

Key Management & HSM

Hardware security modules, key hierarchies and remote key loading.

Mobile & Tokenization

Wallets & TSM

Secure element and HCE wallets, provisioning and lifecycle management.

Tokenization (TSP)

Token vaults, MDES and VTS integration, push provisioning.

Mobile & Web Platforms

Banking and payment apps, portals and developer platforms.

Real-Time & Cloud

Real-Time Payments

ISO 20022 instant payments, request-to-pay and liquidity.

Cloud-Native Architecture

Microservices, Kubernetes and compliant cloud platforms for payments.

Platform Migrations

Moving card, switch and core platforms without missing a transaction.

AI, Fraud & Risk

AI & Machine Learning

Predictive models, real-time scoring and MLOps for payments.

Agentic AI

Governed autonomous agents for payment operations.

Fraud, AML & Risk

Hybrid fraud engines, AML screening and dispute automation.

Emerging Technology

Blockchain & Digital Assets

Tokenized payment rails, stablecoin settlement and smart contracts.

Quantum-Safe Payments

Post-quantum cryptography readiness for payment systems.

IoT Payments

Smart terminals, edge authorization and connected-device payments.

Industry Solutions

Transit & Fare Collection

Open-loop EMV, account-based ticketing and fare capping.

Fleet & Fuel

Fleet card programs, fuel networks and telematics.

EV Charging Payments

OCPP, OCPI and roaming payments for charging networks.

Loyalty Programs

Bank, retail and coalition rewards platforms.

Not sure where your project fits?

Most programs span several areas. Tell us what you're trying to achieve and we'll bring the right consultants to the first conversation.

Talk to a consultant contact@paytrustlabs.com

Talk to a senior consultant

Specialists behind every engagement