As a consulting firm, we were brought in again and again to help issuers, acquirers, and fintechs make sense of complex scheme economics, compliance requirements, and cost structures. We'd analyze vast amounts of data, decode billing and policy nuances, and uncover savings and optimization opportunities.
It takes deep expertise to make that work. The team behind CardTraq combines decades of card scheme, compliance, and consulting experience, turning those hands-on, detail-heavy projects into an efficient, ongoing, self-serve suite of products & services for clients of all sizes, across the globe.
Co-founder & CEO
Steven is a former Amex and Visa executive and Deloitte Strategy consultant with a breadth of Payment experience. He founded CardTraq and leads the consulting practice at CRG, focused on creating impactful solutions to card economics challenges.
Pinnacle Strategic Partner
Ian is the MD of Pinnacle Payment Economics, and has 30+ years' experience in credit and payments, with extensive knowledge of payment economics and P&L management, previously at Santander UK, Mastercard, and HSBC.
Pinnacle Strategic Partner
Adam has 15+ years' experience in payments strategy & commercial consulting, with extensive experience of scheme fees, interchange, issuer & acquirer P&L drivers, complex financial modelling, previously at Mastercard, Visa, KPMG, Deloitte.
Partner & Consulting Lead
Andrew is an ex senior leader in Deloitte's Strategy & Innovation function, overseeing the creation & launch of new products and services for the likes of Visa, Zelle, Barclays and Paypal. He provides oversight on all consulting engagements at CRG.
Payment Economics Expert
Decade of experience in payments economics and pricing. Deep expertise in interchange, scheme fees and financial modelling. Ex Head of Scheme Economics at Worldline.
Payments Compliance Lead
Martha has 30+ years' experience in worldwide acquiring & issuing services, interchange and card compliance, PCI data security, product management, project management, risk management, and regulatory compliance (AML, privacy).
LatAm GTM Lead
Max leads CardTraq's go-to-market strategy and business development efforts in LatAm. With experience as a project manager at EY, he focuses on market positioning, strategic partnerships, and expanding CardTraq's footprint in the region.
LatAm Account Lead
Based in Colombia, Ben leads client relationships for our CardTraq solution across Latin America and the Caribbean. With a background in engineering and business consulting, he helps new clients explore the full potential of CardTraq solutions.
A sample of where we work
Before CardTraq, scheme fees were a black box. Now, we have a clear monthly view of every charge, and can challenge unexpected items with confidence. We've already saved seven figures and strengthened our merchant pricing.
CardTraq helped us uncover hidden fees and gave us the transparency we needed to streamline our cost structure. It's rare to find a tool this powerful that's also this easy for a bank to use.
CardTraq turned fee optimization from a manual slog into a strategic advantage. We now track trends across multiple regions and products, spot anomalies early, and make more informed decisions.
Our team of seasoned experts is here to help you gain control of your payment card costs. Let us show you how CardTraq can optimize your compliance and scheme fee management to deliver significant savings.
Book a demo or contact us for a personalized consultation.