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Making payments more productive


CMSPI is the advisory firm that finance, payments and fraud teams turn to when they want to boost performance, make data-driven decisions, and eliminate ambiguity in their payments arrangements.

Supercharging Payments Performance

In an overly opaque and complex payments landscape, it's more important than ever to strike the balance between maximising revenue, minimising fraud, and reducing the cost of your payments arrangements. That's where CMSPI comes in, bringing you the context and expertise needed to supercharge the performance of your payments arrangements...enabling you to supercharge your payments productivity.

Our Services


What it looks like to make your payments more productive with CMSPI.

  • 5-20%

    reduction in costs

  • 2-5%

    increase in revenue

  • 50-70%

    reduction in fraud loss

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Our Methodology

  1. We take a holistic approach.

    Because making payments work for everyone takes leading experts with a holistic understanding of each and every node on the payments supply chain.

  2. We create objectivity through data.

    From validating decisions to measuring the outcomes, everything we do is built on and backed by data to drive best-in-market benchmarks and results.

  3. We build trust through transparency.

    Everything we do is done to help drive for a more equitable, more productive payments ecosystem...and that can only happen with an unrivaled level of visibility.

Payments People, Powered by Data

QuantaFi is our proprietary insights engine that aggregates and operationalizes data. We use those data-insights to help businesses make smarter decisions & supercharge performance.

What clients and partners say about CMSPI

Marks and Spencer

"CMSPI was an invaluable partner for us in ensuring that we were not only prepared but also optimized for SCA implementation. CMSPI’s analysis, benchmarking and independent advice allowed us to identify areas of opportunity and develop a market-leading strategy to optimize the customer experience. Their guidance in interpreting the regulatory changes and mapping out the impact on M&S provided insight into sales potentially at risk for abandonment and failure. In addition, CMSPI worked directly with our providers to ensure alignment across the supply-chain. By working with CMSPI, we were able to implement a strategy to significantly reduce potential sales losses. I would recommend them to any business looking to optimize its digital payments processes."

Oliver Steeley

Head of Payments


“CMSPI's involvement with Douglas' payments optimistaion journey has been invaluable. I really appreciate CMSPI's way of providing my team with assistance on our #passionforpayment journey. Their huge data base that is being used to find savings potentials and build up benchmarks, is consistently impressive."

Laura Treude

Head of International Payment

British Retail Consortium

"Over the years, CMSPI has provided valuable insights and data on the latest in retail payments to our members. CMSPI regularly informs the BRC community on industry topics shaping the payments landscape that are most relevant to our retailers, including upcoming card fee changes, regulation, SCA, and BNPL. CMSPI's support has played a vital role in our mission of making a positive difference in the retail community."

Tom Ironside

Director - Business and Regulation


"We’ve been working with CMSPI for the last 4-5 years, and during that time they’ve helped us with a number of key projects – from card acquiring, cash in transit, and banking. At every single occasion they brought expertise, deep market knowledge, and a great methodology in the way they went about understanding our key core business needs and translating that into great solutions for our stores. Since the start of the relationship, the team at CMSPI has helped us in a number of key ways… ranging from running both market-level and pan-European RFP processes and helping to identify how we unlock cost and value opportunities moving forward.

CMSPI are at the heart of our payments strategy and I’m excited about what we can do together to deliver great value and savings for our franchisees."

Simon Aldred

Commercial Director


"CMSPI fully managed and resourced a full RFP process for both our gateway and card acquiring providers, as well as providing insight and supporting direct negotiations with other third-party suppliers on our behalf. These projects both resulted in Ocado benefiting from a large six-figure savings amount annually. Our operations are complex as we work internationally and are expanding rapidly – CMSPI was able to understand these complexities and help identify best fit partners capable of implementing a solution that not only works for us now, but will continue to fit our arrangements as we grow. The ongoing support from the CMSPI team has been great, and they have helped identify charging errors and misapplied pass through costs in our old and new contracts which we continue to negotiate and optimise. We are thrilled with the cost reductions we have achieved, as well as the improved payments solutions and enhanced terms from our suppliers and wouldn’t hesitate to recommend CMSPI to other retailers."

Richard Exact

Director of Finance and Risk

The latest from CMSPI

  • Blogs

Card Costs Soar as European Retailers Feel the Heat from Inflation

April 2022 saw inflation hit a record high of 7.5% in the Eurozone - the market caught between ongoing energy crises, slashed economic growth forecasts, and widespread supply chain disruption. But as retailers’ margins are crunched in all directions, is the same true of their payments partners?

  • Events

Redefining Payments Productivity, Together

CMSPI's Premier Conference Returns to London, 8 November 2022

  • Publications

Insights Magazine - May 2022 Edition

The threat of fraud is hard to forecast and even harder to address. With more payment methods in customers’ wallets, increasing digital volumes, and demand for speedier checkouts, tackling fraud requires a balance between boosting approval rates, minimizing fraud losses, and avoiding false declines.