Welcome to Paytekh
Paytekh is the leading design & implementation service for payment card products & systems.

We focus on enabling payments using emerging technologies and channels, such as contactless, mobile and EMV, using our extensive payments industry experience to ensure effective integration with your existing and planned products, systems and operations.

We design, develop and launch products, from strategy & planning, concept definition and business case evaluation through prototyping, specification, procurement, testing and wide-scale marketing and implementation, supporting you throughout or at crucial moments when needed. We bring with us a track record of innovation and success.

We deliver the commercial benefits you seek, through professionally executed program & project management, using our experience and subject matter expertise to help you manage the risks.

Working with us
We take the risk out of payment product development and implementation. We know what works, we know the pitfalls. We understand the competitive, technical, security and regulatory risks and we can help you manage these.

Our approach ensures you achieve a faster commercial return on your investment. This will come through more efficient investment, quicker market entry, faster customer adoption and lower overall costs.

In our experience, many clients know where they want to be but need help getting there, whether through lack of resource or lack of expertise – or both. We provide expert resource.

Who we work for
We’ve worked with banks, credit card companies,  retailers, mobile operators, payment schemes, chip card system & component suppliers - globally.

Who we are
We are a team of specialists who collectively have designed, developed and implemented some of the world’s leading edge payment products, including MasterCard’s PayPass contactless program, Tesco Mobile’s e-top-up service and the high security MULTOS card and key management system used both for EMV payments and national ID card schemes.

What we do
Our work with clients ranges from short term consultancy, through interim and project management to full program management.

Examples from the last 12 months include:

• Strategy and business requirements development for an international contactless payment card program.
• Provision of payments industry expertise on a major review of a leading telecommunications provider’s suite of digital identity products.
• Development of specifications for a global contactless card product, migrating from a closed loop scheme to an open EMV based payment scheme.
• Consultancy on the benefits and risks of using non card form factors and near field communications technology.  
• Interim project management of a multiple department development initiative for an international payment scheme.
• Consultancy supporting development of a credit and fraud risk policy for a contactless payment card product.
• Consultancy on implementation strategy for a UK launch of a contactless payment card product.   

Using this website
Take a closer look at what we do on our Services page. Read about what we think, or have done, on our Articles page. Feel free to use our Paytekh customised search engine (located at the foot of every page) to search other sites we think are relevant. Get in touch using the contact details or enquiry form on our Contact Us page.