Payment Schemes

As the payments industry becomes ever more global, the role of the major card schemes have become more important.

For the card schemes themselves it is critical how they differentiate themselves to both cardholders and participating banks (and increasingly non-banks). And for those banks and others it is vital that they have effective interactions with the schemes.

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Key questions and Accourt focus:

  • What new payment schemes products or services are coming to market? Especially in e-commerce and those leveraging the capabilities of mobile devices.
  • How to rapidly develop and launch new offerings.
  • How to drive rapid adoption amongst issuers, acquirers, cardholders and merchants.
  • What are the implications for operations from regulations? Are changes required to accommodate and encourage new innovations, whilst maintaining appropriate control?
  • What are the different needs and expectations of new members from unfamiliar industries (e.g. mobile operators) compared to those of traditional banking sector participants?
  • How to make the most of digital wallets and Near Field Communication (NFC) opportunities?
  • What are the likely future fraud and risk management threats, and how do you mitigate against them?
  • How to streamline operational processes to improve efficiency.

Why Choose Accourt

We have a team of high calibre individuals who have successfully managed numerous Regulatory and Payment Scheme applications for organisations wishing to apply for full banking, electronic money and PI licences. Our seasoned experts have both the relevant IP, hands-on experience and operational know-how to ensure successful applications.

Strategic Expertise

Whether it’s helping organisations set strategic direction or review market opportunities, Accourt brings a wealth of experience and subject matter expertise to the payments space. One of the key differentiators at Accourt in assisting the payments industry with setting strategic direction is the strong subject matter expertise and practical operational know-how gained through deep managerial experience and P&L management.

Market Knowledge

Accourt brings real market knowledge across the payments value chain including providing organisations with market in-sights as well as assisting organisations to move into parallel markets or extending their current product set to address market segments previously underserved. At Accourt we pride ourselves on having the in-market geographic intimacy and breath of product expertise to assist in organising and implementing effective market entry plans  to achieve agreed business goals.


Accourt has built a reputation around its strong delivery capability, this has been achieved through marrying our subject matter expertise with proven project and programme management to deliver the desired client outcome. From product/vendor selection right through to programme delivery and business as usual, Accourt has the skills and knowledge to de risk and underwrite the success of projects in the payments industry.

Operational Effectiveness

Accourt assists clients with improving their operational effectiveness through cost reduction, streamlined processes and improved revenue contribution. Whether it’s benchmarking current performance against best in class or looking to reduce cost through operational efficiencies, Accourt has a wealth of operational expertise, performance data and proven processes to help organisations achieve their business goals.