RPY Services

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RPY Innovations offers a full range of services make your payments projects successful.  We work as a team to ensure every client has access to financial analysis, training, gap analysis, policy development and execution, operations workflows, strategic planning and project management.  Read on to learn how our hands-on approach can help you.



Regulators are looking deeper into the payments industry.  Compliance requirements are becoming more complex.  It is not sufficient to simply have an Anti-Money Laundering Policy; you must implement the procedures and audit them annually.  Compliance rises to a new level when you become a payment facilitator, a money transmitter or need to get a Payment Institution license.  Can you comfortably answer your Acquirer’s Regulatory Compliance / Anti-Money Laundering questionnaire?  A compliance program is more than approval of a concept.  It is the everyday management of policies, procedures, internal controls and management oversight and audit.

RPY Innovations has the expertise to assist you in writing your policies, implementing them, and for streamlining your practices.  Let us review your policies and procedures for compliance to make sure you are auditable and managing your risk to the lowest level possible. 


Our financial analysis team has developed utilities that will allow your business to leverage a complete understanding of payments costs.  Whether a profit margin analysis, a merchant pricing review or a deep dive into interchange and card brand costs, we can develop a spreadsheet that delivers the information you need to act. Our partner analysis will assist in the financial decisioning.  We can untangle the variances in proposals giving you a true picture of which solution provides the best financial return. 

Provider Comparison

Looking at which payment partner best suits your requirements is more than just a financial comparison.  You also want to know which provider gives your business the best tools and solutions to monetize payments.  Acquirers focus on different kinds of businesses. Some have developed programs specific to ISVs and others are focused on payment facilitators. Some prefer to develop programs specific to retail ISO’s or sponsor wholesale ISO’s.  Several acquirers have tremendous programs to foster international growth.  RPY can provide the insight for you to select the best partners.

Operational Development

Changing your model from an ISV or retail ISO to becoming a payment facilitator will requires an understanding and possible buildout of payments operations.  We can assist helping you choose a payments platform technology or determining if you should build your own solutions.  RPY Innovations will help you find the right personnel, train them, and develop standard operating procedures.  We will facilitate technology demonstrations, obtain proposals for design and implementation of fraud and risk monitoring tools and practices, data security and PCI DSS for sub-merchants, KYC compliance and identity verification and delivery of financial instructions for sub-merchant payouts.


Expanding into a new country or region without advance research can turn a project into a quagmire of unforeseen difficulties.  Our customized country reports will outline the regulatory, payments preferences, and compliance requirements.  RPY will help you navigate the details of entering a new market before spending expensive technical and business development resources.

RPY has the project management capability you need to get your strategic plan off the ground.  We will work alongside your internal teams and vendors to manage the project plan with secured online tools.  To facilitate communication and keep the project on track, RPY will liaison with key personnel throughout the organization and ensure management is able to execute the deliverables.  We drive projects to revenue.

Project Management

It is crucial to meet the Acquirer Program Standards and card brand rules and regulations as well as country-specific laws and requirements. We can review your organization’s ability to anticipate and safeguard against internal and external risk in your business and portfolio.  RPY Innovations will help develop and implement all policies and insure you are prepared for compliance audits.

Policy & Audit Preparation

Request for Proposals

If you prefer a full and robust request for information and/or proposal and pricing, RPY can manage this for you. Even without a formal RFP we can solicit pricing and proposals and aid in evaluating which payment provider is best for your situation. 

You want your organization to have the skills and knowledge in place to support your growth plans.  RPY Innovations offers education to all levels of your organization and in a variety of formats, from executive roundtable discussions to new employee training.  We can customize training for both general industry topics and client or project-specific areas.  Here are some of the modules available:

·         Executive Overview on Payments

·         Underwriting and Risk Management

·         Compliance and Regulations

·         Customer Service

·         International Currency Management

·         Cross Border Payments

·         Operational Workflow

·         Payment Facilitation

·         Exception Handling

·         Solution Selling