CMSPI is the global advisory firm that finance, payments and fraud teams turn to when they want to boost performance, navigate the market, and grow their businesses. Our payments experts use proprietary technologies to equip clients with data-driven insights to achieve best-in-market results through more legitimate transactions, with less fraud, all at a market leading cost.
In 2011, after a career advising banks and merchants on improving payments, Brendan Doyle, Founder & CEO, set out to build a business that would change the global retail payments landscape for the better. The result is CMSPI; using a unique combination of knowledge, data and technology to improve the productivity of payments. This means a better outcome for merchants, payments companies and, ultimately, consumers.
Since then, CMSPI has become the go-to advisory firm for leading merchants across the globe, looking to supercharge their payments arrangements. In 2021, Inflexion, a global private equity firm, invested in our vision, helping to fuel our growth and develop new technologies that will drive future improvements in payments productivity.
We want to create a win-win-win for payments firms, retailers, and their customers. Our mission is all about making payments more productive and therefore – most importantly - helping our clients be successful and grow their businesses.
In recent years, card-on-file transactions have become one of the most interesting segments of card not present (CNP) spending. While traditionally used by gyms, streaming services, and other recurring billing services, the transaction type – which uses a card that a consumer has authorized a merchant to store for future billing – is quickly being adopted by retail.
With the Fed’s most recent announcement, PINless has fast become the hottest topic in U.S. payments. The ability to route online transactions to the lowest-cost network – an opportunity largely restricted to the in-store space until now - is estimated to place up to $3bn in annual savings on the table for merchants.
Since the 2011 Durbin Amendment, the biggest lever U.S. merchants have had in controlling their payments costs came in the form of PIN debit optimization.