Explore our diverse range of specialised business payments solutions
Explore our versatile solutions tailored to address your distinctive payments workflows requirements
We help businesses to improve their performance and growth by solving (complex) problems and finding new and better ways of doing things.
For a leading European foreign exchange bureau operator, we scoped and architected a digital card and digital channel offering to augment their existing business.
Costs - Pricing - Experience optimisation
We provide mapping and clear visibility into costs, pricing opportunities, and processes that could be streamlined, helping you identify enhanced profitability pathways quickly.
Operational and Technical Service Delivery
Minimise the risk of payment system outages, enhance settlement processes, reporting, reconciliation, and assist or deliver easy integration to new, updated, and partner systems.
Case Study
For a leading European foreign exchange bureau operator, we scoped and architected a digital card and digital channel offering to augment their existing business. Additionally, we down-selected key vendors and provided a highly granular business case that they could use to socialise internally to Executives and their Board.
We can help you craft Request for Information (RFI), Request for Proposal (RFP) and Invitation to Tender (ITT) documents and evaluate responses to help ensure you are getting the right payment technology providers and systems that are properly aligned with your business needs.
We also provide assessment of your current program and outline what is going well and what could be improved. Additionally, we can lead or augment any contract negotiation or renegotiation.
Case Study
After determining the desire of the PSP and understanding the capability of the BIN sponsor, we realised there was misalignment. The best way to help solve for this was for us to integrate the BIN sponsor and the PSP to our proprietary middleware platform. We were able to enhance and improve the functionality of the BIN sponsor’s offering by customising the middleware and enabling desired workflows through the rules engine of our payment orchestration layer. Once the work was completed (across 45 days), the PSP was enabled to act as an aggregator and efficiently onboard and service down-market clients, travel management companies and the anchor enterprise client in an operationally-scalable manner that the BIN sponsor could not do itself.
We can help providing insights for the competitive landscape and analysis of the product or service you are seeking to deploy, highlighting areas of opportunities, competitive threats and specific considerations for your product strategy development.
We can provide introductions, connecting you with the relevant partners, be it a principal member for BIN sponsorship or Payfac registration, a provider to power your FX and international payables and receivables operations, or a safeguard/escrow/settlement account, and we can support you during any step of the negotiation process.
Case Study 1
For a global receivables-management company that provides payment processing, data management services and credit lines for B2B transactions, we helped them in two ways:
- We leveraged our network and provided matchmaking services to a B2B marketplace that was using a global procurement platform, but needed to augment their offering to successfully compete in market. A deal was made that opened the potential to deliver AUD $1B in annual transaction flows for both companies.
- We helped facilitate an expansion for their addressable market and use-cases by initiating partner discussions and negotiations with the trade finance arm of a global card scheme. The partnership was announced in early 2024 and we’re excited to see its potential being fulfilled over the coming years.
Case Study 2
Two entrepreneurs engaged us to architect the capability required to support a B2B proposition for tradesmen / contractors / labourers that would include a credit card and BNPL offering.
We determined the best thing to do initially was to perform a feasibility study. We conducted a market scan and managed a detailed market study, conducted through one of our partners, to qualitatively assess the proposition by running interviews with tradesmen in identified markets. The representative cohort confirmed that the proposition was an interesting idea, but given market conditions being so favourable for them, they were in great financial shape and what was being proposed had little to no appeal for them.
The recommendation to not proceed further with the initiative was made which saved ~$1M in seed capital the entrepreneurs were initially willing to invest.
We are vertical and platform-agnostic and create seamless and scalable B2B payment solutions for buyers and suppliers in payables and receivables environments across the globe.
Capability X can connect to any platform via APIs or file imports, be it a blockchain platform, a logistics platform, an ERP, an issuing or acquiring platform, a real-time ACH or bank transfer platform and any funding source.
Additionally, we can introduce payables and receivables funders to augment your existing arrangements, empowering your business to optimise working capital and cash flow efficiency.
Case Study
An integrated Australian agricultural company that specialises in carbon, regenerative agriculture and premium value-added beef and lamb, were seeking to automate their accounts payable process. Over the course of two months, we found a virtual card issuer, enabled a merchant of record solution, leveraged our proprietary closed-loop B2B marketplace to enrol the buyer’s suppliers, and crafted a series of event-based triggers to automate the payments to the suppliers based on the buyer’s trading terms and cashflow optimisation requirements.
Ready to elevate your
business with Capability X
Connect with us today and let's embark on a journey to redefine
success in the financial services industry.