Conquering Online Payments

Over the past two decades 4-11 has run a large number of supplier selection processes for merchants, acquirers, issuers and gateways to select suppliers which range from software solutions for chargebacks to transaction acquirers. We have a rigorous, scrupulously objective, approach to supplier vetting and RFP management based on our extensive understanding of the market’s cost structures, and player reputations.

We have worked extensively to help our clients optimize the cost structure of their portfolios in areas such as pricing, interchange management, and cost to serve.
We have worked with our customers to identify and address operational opportunities such as exception management, platform consolidation, migration and customer support.
4-11 has developed a wide range of benchmarks from across the European payments market which support these analyses.

4-11 has been delivering insight driven strategic advisory assignments to senior stakeholders in the payments business for over 25 years.
This strategic analysis covers events such as organic/inorganic growth, new product releases, portfolio management, and international market expansion.
We have a robust customer and market focused methodology that ensures our clients strategies are aligned with the latest market developments.

4-11 has a detailed understanding of the operational delivery of payment services to both consumers and merchants.
4-1 has worked in areas that range from the details of chargeback management through to customer support processes and on-boarding, and has supported a range of clients in development of their target operating models.

4-1 has been working on mobile payments and banking since early 2000. We have worked for many of the major European MNOs and card schemes as they have developed their mobile payments strategies, and have helped look at issues ranging from tokenisation, HCE, prepaid travel products, and the in-store mobile experience.