Payments expertise

Payments & payment systems

We support players in banking, insurance, retail and services in designing, securing, modernising and validating their payment systems.

Talk to a payments expert Present your project

Technical team analyzing payment flows on screens

What we hear in a first meeting

“Our MT/MX migration needs to move forward without disrupting production flows.”
“The 3DS challenge rate is rising and payment abandonment is following.”
“SEPA Instant and Verification of Payee are coming: our systems aren't ready.”

What we do, in practice

Acquiring and orchestration

Acceptance flows, routing, payment orchestration in-store and online.

Issuing and authorisation servers

Card issuing, evolution and modernisation of authorisation servers.

Strong authentication

EMV 3-D Secure, passkeys, Click to Pay: safer and smoother journeys.

Fraud and scoring

Scoring optimisation, frictionless journeys, balance between security and conversion.

EMV profiles

Definition of profiles and support for certification processes, where applicable.

Full lifecycle

Studies and R&D, scoping, integration, field testing, validation, production launch, operational maintenance.

Technical expertise

Payment systems, delivery and compliance

Payment systems & exchange infrastructure

Support with market and regulatory changes.

—Modernisation of payment infrastructure
—ISO 20022, SWIFT gpi, CBPR+, MT / MX migration
—T2 / T2S
—SEPA SCT Inst, Wero, Verification of Payee
—E-invoicing and related flows, where relevant

Projects & delivery

—Business analysis, studies and R&D
—DevSecOps and CI/CD
—Functional and field testing
—Acceptance testing, validation and project management

Security, fraud & compliance

We build requirements into projects; compliance itself falls to your dedicated functions and the relevant authorities.

—Transaction security, anti-fraud, scoring
—Authentication and traceability
—Taking compliance requirements into account
—Monitoring of evolving European frameworks (PSD3 / PSR, IPR)

Sectors of application

Banking & financial servicesInsuranceRetailServicesLarge enterprises

Engagement lifecycle

From study to go-live

We can take on a single step or the entire journey, depending on your organization.

ISO 20022 · EMV 3DS · SWIFT · SEPA Instant · Wero

Step 1
Analysis / Business Analysis
Understanding the business, the flows and the constraints; requirements gathering.
Step 2
Study & R&D
Impact assessment, solution selection, prototypes where needed.
Step 3
Design / integration
Specifications, development and integration with existing systems.
Step 4
DevSecOps / CI-CD
Integration and deployment pipelines, security built into the cycle.
Step 5
Acceptance and field testing
Test plans, regression testing, trials in real conditions.
Step 6
Validation / certification
Preparation and support for certification processes.
Step 7
Go-live
Cutover, go-live support and follow-up.
Step 8
Operational maintenance
Ongoing monitoring, fixes and enhancements, where relevant.

Use cases

Situations we know how to handle

Migrating a platform to ISO 20022

Gap analysis, interface adaptation, MT/MX migration and regression testing before switchover.

Optimising a 3DS journey

Challenge rate analysis, scoring adjustment, friction reduction.

Modernising an authorisation server

Scoping, application evolution and progressive switchover, with no service disruption.

SEPA Instant / Verification of Payee integration

Application impacts, development, testing and support at launch.

Payment field test campaign

Test plans, execution under real conditions, issue tracking.

CI/CD industrialisation of a payment chain

Pipelines, automated testing, security built into the delivery cycle.

Technologies and ecosystem

Jira
Confluence
Jenkins
Octane
Power BI
CI/CD
DevSecOps

Indicative list. No official partnership is implied.

Way of working

Fixed price: Scope, deliverables and price set after initial scoping. Suited to well-defined projects.
Staff augmentation: One or more profiles embedded in your teams, steered day to day with you.
Application maintenance & support: Corrective maintenance and continuous improvement, with response-time commitments agreed together.

Frequently asked questions

Do you work on the issuer or acquirer side?

Both: issuing, acquiring, authorisation servers and authentication journeys.

Can you support an ongoing ISO 20022 migration?

Yes: gap analysis, interface adaptation, testing and preparation of the MT/MX switchover, with your teams.

Does UCC Experts issue EMV certifications?

No. We prepare and support processes related to profiles and certifications; certification itself falls to the relevant authorities.

In what capacity do you work?

Fixed price on a scoped perimeter, staff augmentation embedded in your teams, or ongoing support.

A payments project to scope or secure?

Tell us about the context, deadlines and constraints. We'll point you to the right expert.