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Cards and payments

Together with rising demand for real-time, accessible, and digital-first payments experiences, payments firms are subject to data privacy regulations, technological advances, and growing e-commerce.

Whether it’s a business opportunity or for regulatory compliance reasons, payments transformation is crucial for growth.

We help you solidify your competitive position through next-generation payments solutions across your customer segments, while maximizing your ROI. We are enabling financial institutions with services ranging from payments consulting, differentiation, and monetization, to partnering with FinTechs – and from payments hub transformation, ISO compliance, and real-time payments enablement, to open banking.

In a rapidly changing payments landscape, the ability to adapt and innovate is essential. Our cards and payment consulting services are designed to help you navigate these complexities, ensuring that your organization not only meets today’s challenges but also anticipates future opportunities.

We have over three decades of experience in the cards and payments sector. And with over 5,000 payments experts globally, we have the expertise and partnerships to help you create game-changing payments ecosystems. Capgemini drives your success through payments transformation, helping your business innovate, adapt, and thrive in a rapidly evolving financial landscape.

    The future of payments

    Watch the interview and discover insights on open and instant payment trends.

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    World Payments Report 2025

    Velocity, meet value: Lead in the open and instant future of payments

    Read the report

    Payments Top Trends 2024

    Anticipate continued payments industry transformation in 2024, with frontrunners streamlining processes and leveraging DeFi and AI.

    Read the report

      What We Do: Empowering Payments Evolution

      Explore our digital cards and payment solutions that drive growth, ensure compliance, and enhance your competitive edge in the evolving payments landscape.

      Our integrated Connected Payments offering helps banks transform their payments capabilities, enabling payments industry leadership through new capabilities, efficiencies, and flexibility.

      Addressing the changing and ever more competitive landscape requires significant energy and investment. We help clients:

      • Baseline the current state assessment and co-create / develop an integrated implementation roadmap
      • Deploy a range of transformational levers such as ecosystem integration, data and analytics implementation, cloud adoption, platform replacement, bespoke builds, test and migration factories, and business operations, at scale and sequence as needed
      • Maximize results by reinvesting savings and refocusing on value-added services (not just compliance spend)
      • Continuously track and report top- and bottom-line value to drive payments as a business and not a cost center

      Connected Payments helps financial institutions achieve technology future-proofing, implement additional value-added services, lower costs via optimization and productivity improvement, and more.

      Open Banking provides opportunities to digitally transform, drive innovation, create a partner ecosystem, and unleash new revenue streams, while driving compliance.

      Our business, in-house technical frameworks and API-based value creation capabilities provide an end-to-end solution that combines all the necessary elements to leverage an open ecosystem through standardized APIs. We help clients:

      • Unlock new revenue streams by identifying and prioritizing the correct API monetization opportunities
      • Manage APIs by leveraging prebuilt APIs for open banking including lifecycle management, monitoring, traffic management, and analytics
      • Be compliant by keeping customer data secure and protecting banks from legal and liability issues
      • Accelerate time to market through a modern, scalable, and resilient API platform
      • Tap into future innovation by engaging with a diverse ecosystem of partners
      • Experiment before launch by providing an API sandbox.
      Open Banking
      The payments world is moving to the ISO20022 standard based on its proven ability to improve operational efficiency, harmonize data, automate reconciliation, enable robust risk and compliance controls, and develop value-added services.

      Adopting the standard will impact the entire payments landscape, from channels and integration layers to payments engines. Capgemini, with its rich experience in handling ISO20022 transformation journeys, follows a 360-degree approach that includes:

      • Analyzing business, technology, and client impacts
      • Developing a complete ISO20022 roadmap, including overall migration, program scope, and business case
      • Helping clients to move from tactical phases to complete adoption, including changing data models and downstream systems.
      Enable your corporate customers to embrace real-time cash management via seamless, connected tools across the spectrum of cash and liquidity management services.

      Extract increased value and achieve new synergies through APIs, FinTech partnerships, data standardization, cutting-edge virtual account solutions, and real-time transactions using new and more effective cash management capabilities.

      Through our payments orchestration cloud platform, we can:

      • Enable banks to unlock the full potential of real-time cross-border money movement and real-time cash forecasting for their corporate clients.
      • Enable corporate treasurers, large retailers, and insurers to have a simplified and seamless integration between their ERP/treasury/payments factory and their banking partners.

      In addition, through our strategic partnerships and pre-vetted integration with market-leading cash and liquidity management, virtual accounts, and foreign exchange platform vendors, we enable transaction banking business lines to:

      • Focus on fine-tuning and improving their market propositions
      • Increase greatly time-to-market efficiencies and generate quick wins.
      Unlock the potential of cards platforms to gain efficiencies, increase market agility, and deliver a seamless customer experience.

      With over three decades of experience in card transformation, we help clients:

      • Transform cards issuance platform
      • Implement and/or upgrade new card issuance platforms
      • Migrate cards portfolio
      • Assess and evaluate leading cards processing products
      • Comply effectively with regulations
      • Develop and manage applications
      • Implement network schemes, along with mandates from time to time.
      We provide an end-to-end suite of services across the merchant-acquiring business and mapped technology value chain.

      Our services can assist clients to:

      • Venture into new geographies and markets as well as forge new partnerships: we provide consulting, strategy, and roadmap development services
      • Gain understanding of the global payments business, products, and technology trends
      • Build innovative merchant solutions for acquirers, retailers, networks, and payments services providers.

      Unlock the future of payment technology with Capgemini

      Leverage our expertise to drive your payments transformation. Contact us today to discover innovative solutions tailored for your business.

      Get in touch

      Research and insights

      Point of view

      Secure and simple instant payments
      Point of view

      Next-gen client integration services
      Point of view

      Harnessing digital currencies

      Client stories

      A next-gen payments solution for Chase Payment Solutions

      Discover how to modernize the point-of-sale experience

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        Accelerating the cloud journey

        Transforming data protection accelerates payment technology provider’s cloud journey.

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          Return on innovation: Winning in invisible banking

          How can wearable payments enable seamless experiences for resorts, gaming, and beyond with a fashion-forward approach?

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            digital customer experience

            Digital customer experiences at scale by Entercard

            Entercard partners with Capgemini to deliver seamless customer experiences through automated, data-driven journeys.

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              Expert insights into the evolving cards and payments landscape

              Banking and capital markets

              How digital assets reshape the post-trade landscape in capital markets

              George Holt
              Jul 8, 2024
              Banking and capital markets

              Diversity pays: How a focused community is diversifying the payments sector

              Karishma Panda
              Nov 30, 2023
              Banking and capital markets

              T+1 – A radical change to your global operating model

              Benoit Julia
              May 31, 2023

              Meet our experts

              Jeroen Hölscher

              Global Head of Payment Services
              Jeroen is an expert in transformation programs in the cards and payments domain. He has been with Capgemini for 24 years and helps clients to improve their payment products and their underlying technology.

              Christophe Vergne

              Cards and Payments SME (Europe)
              Christophe played a critical role in building Capgemini’s global payments transformation capability. He has co-authored the World Payments Report for the past decade.

              Ravi Vikram

              Senior Director, Cards and Payments

              Venugopal PSV

              Cards and Payments SME (APAC)
              Venu leads advisory and client solutions in Payments, Cards, and Transaction Banking. He has more than 24 years of hands-on banking and banking IT advisory experience.

              Sriram Kannan

              APAC Head – Cards & Payments Solutions

              Michel Vaja

              Europe Head Payment Services

                Recognition

                Capgemini Named Leader in Open Banking IT Services by Everest Group

                We excel in open banking with AI-driven solutions, regulatory compliance, and personalized services, earning Leader status in Everest Group’s 2024 assessment.

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                Our Partners for Digital Cards and Payment Solutions

                We partner with leading technology companies to power business transformation in insurance, helping our clients optimize operations and deliver exceptional, personalized experiences driven by cutting-edge innovation.

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