FinTechs
We work in the background to help you convert ideas to actions and solutions that meet the requirements of your customers.
FinTech innovation is transforming the financial sector beyond national borders and regulatory perimeters, while mobile and cloud technologies are accelerating embedded payments. But as new forms of payments continue to be introduced, delivering point of sale is an intricate undertaking that can distract from your central ambition. With integrated payments, your customers will enjoy a streamlined, consistent, and engaging experience.
Built for the questions your sponsor bank will ask
Banks hire RPY to audit their sponsored payment programs and to select the vendors those programs run on. FinTechs hire us to build programs that pass those same reviews. Having worked both sides of the table, we know where approvals stall, what underwriters look for, and how to get you live without rebuilding later.
How we help FinTechs
Choose the right payments model
Referral partnership, PayFac-lite, full payment facilitation, or marketplace. We model the revenue, risk and operating cost of each option, so leadership and investors can decide with real numbers.
Select and negotiate your partners
We run a structured RFP across acquirers, processors, sponsor banks and platform providers. Then we negotiate pricing, minimums, reserves and contract terms for you. Our relationships across the ecosystem shorten every step.
Get through sponsor bank and card brand review
We write custom AML, KYC/KYB, underwriting and risk policies that reflect how your business actually works, not generic templates. We then support you through partner due diligence until you’re approved.
Build onboarding that scales without weakening controls
We design risk-tiered onboarding so low-risk merchants go live fast and higher-risk accounts get the scrutiny they need. This includes monitoring thresholds, reserve models, and dispute and friendly-fraud defenses.
Improve your payments margin
Our analytics team audits your interchange, downgrades, scheme fees and pricing architecture. We find where basis points are leaking and how to price for profit.
Prepare for AI-driven commerce
As AI agents start initiating payments, your fraud, consent and liability frameworks need to keep up. We help you design guardrails that let you innovate safely.
Recent FinTech engagements
Youth sports registration platform: Redesigned sub-merchant KYB and built controls for funds collected months before the season starts. Added milestone-based payouts and rolling reserves.
Logistics software company: Took leadership and their PE sponsor from payments fundamentals through business case, flow-of-funds design and acquirer RFP for a new B2B payments program.
Subscription commerce platform: Led commercial negotiations with global processors across both acquiring and card issuing.
High-volume ISO: Restructured underwriting, processor relationships and flow of funds to support a path to ten times their current volume.
Payment optimization startup: Built the interchange logic behind the product, then helped define the go-to-market strategy and prepare for fundraising.
Why FinTechs choose RPY
Practitioners, not generalists. Our team includes the co-chairs of the Electronic Transactions Association’s Payment Facilitation and Cyber Security committees, plus CAMS-certified AML specialists.
One dedicated lead. A single client manager stays with you throughout and brings in our specialists as needed.
We stay through execution. We don’t hand you a report and leave. We stay engaged through implementation and go-live.
Flexible engagements. Month-to-month terms with no long-term lock-in, plus structures designed for pre-funding startups.
Ready to make payments a growth engine?
Tell us where you are, whether you’re exploring payments or already processing and hitting limits. We’ll show you the fastest path forward.
