Merchants are faced with an increasingly complex and costly payments environment.

As payments continue to fragment, new rails emerge, and regulatory scrutiny intensifies, merchants need partners who can see across the entire ecosystem and convert that visibility into measurable P&L impact.

 

Payments Intelligence Services

Our expert advisory leaders work with merchant teams to develop customized services to meet the modern-day challenges across the payments landscape. Leveraging both our Dynamic Data Fabric and Payments Intelligence Engline, we deliver insights that give merchants a market-wide view of performance no supplier, no competitor and no single merchant can achieve alone.

Dynamic Data Fabric

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We have created a data architecture that combines deep payments expertise with leading data engineering capability. This is our Dynamic Data Fabric, and it underpins all of our work – delivering independent benchmarks on cost, approvals, fraud, and routing, alongside the proprietary intelligence, APIs, and scenario tools your internal teams need to know ‘how good is good’ and continuously optimize performance.

 

Payments Intelligence Reports

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Bespoke, one-off analysis on the questions that matter most to your business – from sizing a specific market in LATAM to assessing the state of payments orchestration in the EU. Each report draws on our market-wide data to give you an independent, evidence-based view you can act on.

 

Strategic Advocacy and Research

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We provide independent analysis, market intelligence, and merchant-focused research to help clients understand emerging payment trends, regulatory change, and ecosystem developments like agentic commerce, stablecoins, and more.

 

Managed RFP and RFI Services

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We run RFI and RFP processes for any payments provider in your supply chain, from preparation through to implementation. Our specialists bring market-wide benchmarks to the table, so you know what good looks like before you go out to market – and can hold providers to it once you get there.

 

Retainer and Managed Services Engagements

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An extension of your payments team. Our specialists work alongside you year-round, tracking cost and transaction performance against the wider market, flagging issues as they emerge and turning them into a prioritised plan of action – so optimisation is continuous rather than a once-a-year exercise.

 

Customized Sprint Engagements

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Focused, time-boxed engagements – typically 12 to 16 weeks – built around a single high-value opportunity, whether that is subscription resilience, marketplace payouts, or wallet and LPM optimization. We combine market-wide benchmarks, analytics, and expert consulting to hit agreed KPIs and leave you with a clear roadmap for ongoing optimization.

 

 

We tailor our engagement approach to match your needs and requirements.

Advisory Engagements.

A custom strategy and analytics solution designed to address key industry dynamics.

Sprint Engagements.

A set of time-boxed, outcome-based engagements, typically 12–16 weeks in length, aimed at providing high value on accelerated timing.
We drive powerful payments improvements through

Discover: We start by aligning on your objectives and dynamically ingesting your payments data into our Dynamic Data Fabric – a foundation built for continuous learning and market wide visibility.

Imagine: Using our Payments Intelligence Engine, we model scenarios, stress-test possibilities, and iterate in real time – creating the best path forward as new insights emerge.

Deliver: We move swiftly from insights to impact, driving cost, growth, and customer experience outcomes – then feed new results back into the process to fuel the next round of optimization.

Get in touch

Robbie MacDiarmid

VP, Global Ecosystem Strategy and Vice Chair, MPLC

United States

Robbie is an expert on the future of payments and specializes in all things digital.

Callum Godwin

Chief Economist

United States

Callum manages a team of Economists and keeps CMSPI at the forefront of payments.

Client Stories

CMSPI Authorization Rate Optimization Accelerates Revenue for $8b Global Technology Provider

Leveraging our Dynamic Data Fabric and proprietary BIN Tables, CMSPI experts were able to deliver revenue gains through authorization rate optimization.

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Unlocking Substantial Payments Budget Savings for a Top Digital Merchant

The client, a leading international digital merchant with a sophisticated payment team, faced challenges related to rising payment costs, performance comparisons, and fully maximizing cost-saving initiatives.

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$10m in Annual Payments Cost Savings for Leading Multinational Gas & C-Store Retailer

The merchants’ partnership with our specialists has led to high-impact savings and market-leading arrangements.

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Delivering Savings for a Multinational Digital Merchant

The partnership with our specialists has helped the company get ahead of the curve and stay ahead of the curve.

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Digital and Recurring Merchant Achieves Big Payments Cost Savings With CMSPI

After the successful completion of an audit and RFP, our experts are now focused on highlighting opportunities to drive incremental revenue growth.

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Latest Insights & Events

Blog September 2026

OPINION: The AI AGENT Act Won’t Become Law Tomorrow. But Merchants Should Still Pay Attention.

Agentic commerce is coming into focus. Here’s what merchants should understand now about visibility, fraud, payment choice, and optimizing for AI-driven decisions.

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Events September 2026

[Webinar] The Restaurant Payments Opportunity: From Cost to Competitive Advantage

QSR payments are increasingly complex. Join CMSPI and QSR payments leaders to explore rising costs, routing, technology, and hidden savings opportunities that can improve payment performance and protect margins.

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Blog July 2026

Standardized Payments Data: The Good, the Bad, & the Inevitable

The pursuit of standardizing payments data spans decades. Today, CMSPI’s Merchant Payments Intelligence (MPI) consists of trillions of datapoints to optimize payment strategies and provide support for the entire merchant community.

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