Independent Payment Architecture

Fintech LABS

Senior payment architecture practice engaged across tier-1 banks, global card schemes, energy majors, commodity exchanges, and pan-European payment initiatives.

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Engaged Across
Tier-1 Banks Visa PayPal Fiserv IBM Huawei Shell BP LME EPI Card Schemes Commodity Exchanges Tier-1 Banks Visa PayPal Fiserv IBM Huawei Shell BP LME EPI Card Schemes Commodity Exchanges
01

Areas of Practice Expertise

01.1

Payment Standards & Schemes

ISO 20022 ISO 8583 MT→MX SWIFT SEPA SCT-Inst FPS CHAPS BACS ACH

01.2

Regulation & Open Banking

PSD2/PSD3 COP/VOP SCA Sanctions MiCA Stablecoin Regulatory Open Banking

01.3

Financial Crime

AML KYC SAR PEP Fraud Transaction Monitoring Risk Scoring

01.4

Architecture & Orchestration

Payment Orchestration Real-Time Settlement Microservices Kafka API Design TOGAF PCI-DSS

01.5

Card & Digital Payments

Tokenisation EMVCo HCE PCI-DSS Digital Wallets Omnichannel POS

01.6

DLT & Stablecoins

DLT Blockchain Smart Contracts Cryptocurrency MiCA Compliance Stablecoins
02

The Practice 20+ Years at the
Architecture Layer

Fintech LABS is an independent senior payment architecture practice. Engagements span strategy, design, and delivery — from regulatory compliance programmes to real-time payment infrastructure across SWIFT, SEPA, and domestic clearing rails.

Work is grounded in production-grade delivery at the enterprise level: ISO 20022 migration, open banking API design, financial crime typology frameworks, and payment orchestration across multi-rail, multi-currency environments.

Clients are institutions that require deep domain expertise and architectural authority — not generalist consulting. Engagements are selective and strictly confidential.

20+
Years in Payment Architecture
Tier-1
Client Engagements
Pan-EU
Regulatory Coverage
Full
Stack Architecture

Payment Standards & Schemes

  • ISO 20022
  • ISO 8583
  • MT→MX Migration
  • SWIFT
  • SEPA / SCT-Inst
  • FPS
  • CHAPS
  • BACS
  • ACH

Regulatory Frameworks

  • PSD2 / PSD3
  • COP / VOP
  • SCA
  • Sanctions
  • MiCA
  • PCI-DSS
  • TOGAF

Architecture & Infrastructure

  • Payment Orchestration
  • Real-Time Settlement
  • Microservices
  • Kafka
  • API Design
  • EMVCo / HCE
  • Tokenisation

Sectors

  • Banking
  • Card Schemes
  • Energy
  • Commodities
  • Fintech
  • Pan-European Initiatives
03

Next-Generation Payments Agentic &
Emerging Technology

The payment layer is undergoing its most consequential transformation since the advent of card rails. AI agent-to-agent payment protocols are converging with stablecoin settlement and decentralised clearing — creating architecture decisions that institutions must make now.

Fintech LABS provides architecture guidance on protocol selection, integration strategy, regulatory positioning under MiCA, and readiness assessments for institutions evaluating agentic payment infrastructure.

Stablecoins DLT Blockchain Smart Contracts MiCA Compliance CBDC Architecture
AP2 Google Agentic Payment Protocol
ACP OpenAI / Stripe Agent Commerce Protocol
TAP Visa Token Agentic Payments
AgentPay Mastercard Agent Pay Framework
x402 Coinbase HTTP-Native Payment Protocol

Engage
the Practice

Fintech LABS takes a limited number of engagements. Introductions are by referral or direct approach. All enquiries are treated in strict confidence.

Direct Enquiry

hello@fintechlabs.co
  • Practice Independent Senior Payment Architecture
  • Base London, United Kingdom
  • Engagement Types Advisory · Programme Architecture · Expert Review
  • Sectors Banking · Card Schemes · Energy · Commodities
  • Coverage UK · EU · Global