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Payments Routing Consultant
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Senior Payments Routing Consultant
Location: London, UK (Hybrid – ad hoc office attendance)
Contract: Initial 6 months (likely extension to 12 months)
Start Date: ASAP
Day Rate: Competitive – circa £900 per day (DOE)
Senior Payments Transformation Opportunity
We're seeking an experienced Senior Payments Routing Consultant to join a major payments transformation programme focused on the evolution of a next-generation payments platform.
This is a strategic consulting engagement where you'll lead the discovery, business case development, and delivery strategy for introducing MID-level payment routing, helping to transition from PSP-controlled routing to organisation-owned payment orchestration.
Working alongside senior stakeholders across Product, Commercial, Finance, Treasury, Operations, Risk, Governance, and Technology, you'll play a pivotal role in defining the future of payment routing within a large-scale global payments environment.
The Opportunity
As the lead consultant, you'll:
- Assess the current payments routing landscape,
- Identify opportunities to reduce complexity and improve resilience, and
- Produce a robust business case that will shape future investment decisions.
You'll also define the roadmap for implementing MID-level routing through a next-generation payments platform, supporting long-term ambitions around multi-brand payments and Payment Facilitator capabilities.
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Key Responsibilities
- Lead a strategic discovery into MID-level routing and smart payment routing capabilities.
- Evaluate the existing PSP and merchant account routing model, identifying operational, commercial, and technical challenges.
- Develop a comprehensive business case outlining value, risks, costs, and implementation feasibility.
- Define a practical delivery strategy for introducing MID-level routing.
- Engage senior stakeholders across Finance, Treasury, Product, Commercial, Operations, Governance, and Technology.
- Analyse payment flows, settlement models, governance controls, and routing architecture.
- Recommend improvements to payment orchestration, transparency, resilience, scalability, and commercial optimisation.
- Produce clear recommendations to support future payments platform readiness.
Key Deliverables
Phase One – Business Case
- Current-state assessment of payment routing.
- Identification of operational, financial, and governance challenges.
- Quantified opportunities and expected business value.
- Recommendation on investment in MID-level routing.
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Phase Two – Delivery Strategy
- Implementation roadmap aligned to the next-generation payments platform.
- Testing and rollout strategy.
- Timeline, dependencies, risks, and success criteria.
- Stakeholder-aligned execution plan.
Essential Experience
We're looking for an experienced payments specialist with:
- 10-15+ years' experience within payments, payment routing, merchant acquiring, or payment architecture.
- Deep knowledge of merchant IDs (MIDs), merchant account structures, settlement models, and transaction routing.
- Strong understanding of PSPs, acquirers, card schemes, and cross-border payments.
- Experience delivering strategic discovery engagements, business cases, or transformation programmes.
- The ability to bridge technical and commercial discussions and influence senior stakeholders.
- Excellent communication, consulting, and stakeholder management skills.
Desirable Experience
Experience with any of the following would be highly advantageous:
- Payment orchestration platforms.
- Smart routing solutions.
- Payment Facilitator (PayFac) operating models.
- High-volume, multi-provider payment ecosystems.
- Treasury, governance, finance, or settlement optimisation.
- Large-scale global enterprise environments.
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