We’re a group of experienced professionals with over 100+ years of combined experience across banks, fintechs, and technology firms.
We’ve delivered real outcomes in cards, payments, digital platforms, presales, and product innovation.
Now, we’re here to share, collaborate, and co-create — with people solving meaningful problems.
We’re a group of experienced professionals with over 100+ years of combined experience across banks, fintechs, and technology firms.
We’ve delivered real outcomes in cards, payments, digital platforms, presales, and product innovation.
Now, we’re here to share, collaborate, and co-create — with people solving meaningful problems.
We co-explore emerging payment trends — from digital card issuance to real-time and embedded payment experiences — and help shape what’s next.
We partner on making digital transformations real — by aligning architecture, delivery roadmaps, and execution plans.
We support teams in crafting proposals, refining solutions, and winning pursuits — through collaborative thinking and domain-led storytelling
We help turn ideas into action — co-creating reusable toolkits, frameworks, MVPs, and PoCs that accelerate outcomes.
We conduct domain-rich, scenario-based learning sessions to upskill teams — with insights from real-world projects.
We unlock the power of data and AI — embedding intelligence into solutions to drive smarter decisions and next-gen experiences.
We’re collaborators — focused on clarity, speed, and shared value.
The real challenge isn’t the format—it’s the assumptions underneath it.
Most ISO 20022 journeys start with the technical shift: MT103 to Pacs.008. The XML. The data mapping. The schemas.
But what many banks miss is this: MX isn’t a technology project. It’s a payment context shift.
Here’s what often gets skipped:
Our advice?
Before you validate files, validate assumptions. Work backward from customer flows, not message specs.
Want to run a “no-code” MX readiness check across your flows? We can help.
Lets Connect >>
Adding payments isn’t just a tech decision. It’s an experience shift.
SaaS, retail, lending, mobility—every platform wants to embed payments. And with good reason:
But here’s what we ask platforms before they “go embedded”:
Most platforms are feature-ready but not flow-ready. And that’s where the friction starts.
Want to check where your embedded plan might break?
Lets Connect >>
Why good ideas stall—and how to catch the early red flags. Not every MVP fails because the tech is wrong. Most fail because:
💡Good MVPs shrink the scope. Great ones shrink the question. Need help shaping a click-worthy, cost-efficient MVP that moves the needle?
Because presales shouldn’t feel like puzzle night.
RFPs are often bloated, ambiguous, and vague by design. But most teams lose precious days trying to decode them from page 1 to annexures.
Here’s a simple, 4-box framework we use at PayThinkers to break down any RFP—fast, collaboratively, and without panic.
🔷 The 15-Minute RFP Canvas
Section | What to Ask | What to Capture |
1. What’s the buyer’s real problem? | Not “what they wrote”—but what they’re reacting to? | Compliance? Speed? Cost? Integration pain? |
2. What do they want the solution to prove? | Think: “If we win, it’s because we showed…” | Scalability? Domain understanding? Partner model? |
3. What’s your unique win path? | Where do YOU edge out others? | Existing IP, experience, faster rollout, integrations |
4. What are the ‘must-nail’ sections? | Which 2–3 parts actually make or break the deal? | Functional fit, roadmap alignment, commercials |
Pro tip: Do this live with sales + delivery + solutioning in one room. Skip the full doc initially—just align on the canvas. It’ll cut 2 days off your prep cycle.
Our advice?
Before you validate files, validate assumptions. Work backward from customer flows, not message specs.
Want to run a “no-code” MX readiness check across your flows? We can help.
hello@paythinkers.com
Adding payments isn’t just a tech decision. It’s an experience shift.
SaaS, retail, lending, mobility—every platform wants to embed payments. And with good reason:
But here’s what we ask platforms before they “go embedded”:
Most platforms are feature-ready but not flow-ready. And that’s where the friction starts.
Want to check where your embedded plan might break?
Let’s talk. → hello@paythinkers.com
We develop plug-and-play concepts and frameworks to fast-track execution
We share what we’ve seen work — and what doesn’t.
These are not whitepapers or theories. They’re practical ideas you can use.
Honest, experienced inputs — across business and tech
No hidden agenda — we only engage where we can add value
Ans. PayThinkers is a collective of professionals with over 100 years of combined experience across banking, fintech and technology sectors. They specialize in delivering practical, domain-led solutions in payments, digital transformation, and product innovation.
Ans. PayThinkers provides a range of services including:
Ans. ISO Transact is one of PayThinkers’ solutions that focuses on helping organizations transition from legacy payment messaging formats (MT) to the modern ISO 20022 standard (MX). This includes addressing challenges like data enrichment gaps and ensuring cross-channel consistency.
Ans. PayThinkers partners with organizations to make digital transformations real by aligning architecture, delivery roadmaps and execution plans. They emphasize collaboration and practical implementation to achieve tangible outcomes.
Ans. PayThinkers views embedded payments not just as a technical decision but as an experience shift. They assist platforms in evaluating their readiness for embedded payments, considering factors like customer journey control, tech stack capabilities and risk/compliance models.
Ans. Yes, PayThinkers conducts domain-rich, scenario-based learning sessions to upskill teams. These training sessions are grounded in real-world projects, providing practical insights to enhance team capabilities.
Ans. PayThinkers helps turn ideas into action by co-creating reusable toolkits, frameworks, MVPs, and proof-of-concepts (PoCs). Their approach accelerates outcomes and ensures that product development aligns with market needs and technological advancements.
Ans. PayThinkers supports teams in crafting proposals, refining solutions, and winning pursuits through collaborative thinking and domain-led storytelling. They emphasize the importance of understanding client needs and delivering tailored solutions.
Ans. You can contact PayThinkers via email at info@paythinkers.com. They are open to collaborations and discussions on meaningful problems in the payments and technology sectors.
Ans. PayThinkers shares their perspectives and insights through their blog, “Industry Lens.” Topics covered include ISO 20022 migration, embedded payments, and patterns in failed payment MVPs.
Created by a domain-led collective with 100+ years of experience across banking, fintech & tech. No pitch. Just perspective.
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