A trusted, independent
payments consultancy

CMSPI is a professional team of consultants and analysts
that advise merchants on how to optimise and reduce their
payment costs.

WHAT WE DO

Explore, Discover & Learn

Our News & Resources section is packed full of white papers, blogs, news and infographics dedicated to payments around the globe.

Find out more here

CMSPI is an independent payments consultancy that has worked with hundreds of leading, multinational merchants to optimise and reduce their payments costs.

Card Services

CMSPI will make sure each element of your supply chain is working for you.

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Cash Services

CMSPI will breakdown your current costs and benchmark each component.

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FX Services

Future-proof arrangements that keep you at the forefront of the payments industry.

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Special Projects

CMSPI takes pride in approaching each project in a way tailored to your needs.

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White papers
13.09.2017
Whitepaper : 9 steps to market-leading acceptance rates

In this white paper, we look at many ways merchants can boost acceptance rates, including fraud prevention, scheme fee rules, Merchant Category Codes and local payment preferences.

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Infographics
13.09.2017
Infographic: 9 steps to achieving market leading acceptance rates

In this checklist, CMSPI highlight the key considerations for merchants when reviewing their acceptance rates.

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Blogs
12.09.2017
Merchants set to suffer as Visa announces increases to scheme fees

CMSPI is now able to provide greater insight into the significant impact merchants are likely to encounter in the coming year.

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White papers
10.09.2017
White paper: Multinational payments – the pursuit of perfection

In our latest white paper, CMSpi experts provide solutions for merchants looking into optimizing their multinational payments.

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Resources
01.09.2017
Infographic: A Bitesize guide to Visa and Mastercard Q2 Earnings Calls

CMSPI has compiled the recent quarterly results for Visa and Mastercard, view our infographic for insights.

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Blogs
30.08.2017
Mergers and acquisitions: the good, the bad and the ugly

M&A activitiy can often mean uncertainty for all players in the supply chain, but what do these activities mean for merchants specifically?

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News
14.08.2017
Finextra News: Permission to appeal sought in £14bn Mastercard class action suit

Walter Merricks, the man spearheading a £14 billion class action lawsuit against Mastercard, has lodged an appeal against the tribunal’s decision.

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Blogs
27.07.2017
European Commission planning a crackdown on currency exchange costs

The EC has announced that it will launch a public consultation on means to combat the costs of cross-border payments within the EU.

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News
26.07.2017
Finextra News : Commission takes aim at EU-wide currency exchange costs

The European Commission is planning a crackdown on the high costs associated with cross-border currency transfers in and out of the euro.

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News
21.07.2017
Finextra News: UK judge blocks £14bn class action suit against Mastercard

A Tribunal Court judge has blocked a £14 billion class action lawsuit against Mastercard for overcharging customers.

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Blogs
20.07.2017
CMSPI saves MAG members $36 million in payments costs

Over the last 24 months’, CMSPI has engaged with several MAG members and is on course to save them a combined $36,000,000.

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Blogs
19.07.2017
UK government surcharging ban puts further strain on merchants

UK government surcharging ban puts further strain on merchants

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News
05.07.2017
Finextra News: Worldpay and Vantiv agree £9.1 billion merger

Worldpay is spurning overtures from JP Morgan to carve out a £9.1 billion deal with US card technology group Vantiv.

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Resources
13.06.2017
Payments Intelligence Magazine – Summer Edition (2017)

In this issue, we look at Mastercard interchange litigation case.

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Blogs
08.06.2017
Numerous new fees appear on merchant card acquiring invoices

In this article, we look at new & misapplied fees, why they keep cropping up and what merchants can do about them.

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News
25.05.2017
Finextra News: Debit cards set to overtake cash in the UK three years ahead of schedule

New forecasts predict that paying by plastic debit will overtake cash in 2018, three years earlier than expected.

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News
16.05.2017
Finextra News: French retailers and banks begin roll out of universal mobile app

French retailer Carrefour is to begin the roll out of LyfPay, a new mobile app resulting from the merger of BNP Paribas-backed Wa! and Credit Mutuel’s Fivory.

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News
16.05.2017
Finextra News: European banks lobby Commission to push ahead with screen scraping ban

Earlier this month, sixty organisations representing a broad cross-section of fintech businesses across Europe joined forces to protest against new rules by the European Banking Authority.

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Blogs
04.05.2017
Is your business taking advantage of recent uplifts in UK visitor spend?

In this article , we take a look at the benefits of optimizing your arrangements and why it’s important you review them now.

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News
11.04.2017
Finextra News: Mastercard gets CMA approval for Vocalink acquisition

The UK’s CMA has cleared Mastercard’s £700 million acquisition of Vocalink after the card giant promised to take steps to address the watchdog’s concerns.

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Infographics
10.04.2017
Infographic – Global Cash Market Analysis (FY16)

Revenue summaries, payment types, mergers and acquisitions and earnings call summaries. We take a look at what the cash in transit providers got up to in 2016.

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Infographics
10.04.2017
Infographic – EU Merchant Acquiring and Card Scheme Analysis (FY16)

Revenue summaries, discount rates and earnings call reviews, we take a look at what the card schemes got up to in 2016.

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News
05.04.2017
Finextra News: Cash continues to dominate POS payments in Europe

Supporters of digital payment schemes like to push the idea that a cash-free future is just around the corner, yet fully three-quarters of all Euro zone payments at the point-of-sale are still made in cash.

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News
30.03.2017
Finextra News: Bank of England may ditch animal fat for palm oil in new plastic £20 note

The BofE is mulling over whether to replace the use of animal fat in polymer bank notes with environmentally controversial palm oil.

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News
28.03.2017
Finextra News: The pound will not be round, or maybe around, for much longer

As the new 12-sided £1 coin enters circulation, a survey shows that a third of Brits think that cash will be obsolete within just three years.

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News
23.03.2017
Finextra News: UK to roll out image-based cheque clearing system

The UK is to roll out an image-based cheque clearing system in October that will slash processing times from six ‘weekdays’ to one day.

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Infographics
03.03.2017
Infographic – Payments in the Cinema Industry

From interchange fees to average transaction values, we take a look at payments in the Cinema industry.

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Blogs
02.03.2017
Interchange Litigation: summary of the three main economic issues

To date, we have seen 1 win, 1 loss and 3 settlements, leaving many merchants uncertain where their claim stands and whether they should even proceed.

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News
02.03.2017
Finextra News: European Cards Stakeholders Group updates interchange guidance

The ECSG published version 8.0 of the SEPA Cards Standardisation Volume (‘the Volume’).

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Magazines
02.03.2017
Payments Intelligence Magazine – Spring Edition (2017)

Our latest Payments Intelligence Magazine, bringing you opinions and insights from across Europe

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Infographics
21.02.2017
Infographic – Payments in the Jewellery Industry

From interchange fees to average transaction amounts, we take a look at payments in the Jewellery industry.

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Infographics
08.02.2017
Infographic – Cash collections in numbers

From cash in transit providers to average weekly collection amount. We take a look at typical cash collections.

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Infographics
02.02.2017
Infographic: A Look at Payments in the Insurance Industry

From interchange fees to typical payment method. We take a look at payments in the Insurance industry.

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News
27.01.2017
Finextra News: Link rethinks business model as banks balk at ATM running costs

The UK’s Link ATM network is rethinking its business model as banks seek to reduce the costs incurred by providing free ATM withdrawals across the national network of 70,000 cash machines.

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Infographics
21.01.2017
Infographic: A Look at Payments in the Telecoms Industry

From interchange fees to average transaction value, we take a brief look at the Telecoms industry.

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Infographics
13.01.2017
Infographic: A Look at Payments in the Utilities Industry

From interchange fees to method of payment, we took a quick look at transactions in the Utilities industry.

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Infographics
06.01.2017
Infographic – A Look at Payments in the Cruise Line Industry

22,245,400 people took a cruise in 2014, but how did they spend their money?

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News
01.01.2017
Finextra News: Charities give thumbs up to contactless donations

Barclaycard is reporting positive feedback from a trial of contactless donation boxes with eleven leading charities.

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News
16.12.2016
Finextra News: Visa and Mastercard strike wallet tokenization deal

Bitter rivals Visa and Mastercard have struck a deal that lets each firm’s digital wallet service request the other’s tokenized payment credentials.

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News
15.12.2016
Finextra News: Cash to account for less than a quarter of US transactions by 2026

The rise of mobile and contactless payments means that by 2026 cash will account for less than a quarter of all transactions in the US.

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News
23.11.2016
Finextra News: Visa tweaks debit routing policies

Visa (NYSE:V) today modified and clarified existing debit network routing rules to help merchants and acquirers better understand implementation options.

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Magazines
13.06.2016
Payments Intelligence – Summer Edition (2016)

In this issue, we look at card schemes and the fees they charge to merchants

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Our recent achievements

We've saved our clients millions. How much could we save you?

240 bn

Annual volume of cash and card
revenue we negotiated last year.

42 m

Savings achieved for our
clients in the last 12 months.

30

We completed projects spanning
30 countries across the globe.

We work with some of the biggest brands in the world

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