PAYMENTS CONSULTANCY · LONDON
The deck is free now. The judgement isn’t.
AI does the research in hours. Scan2Pay brings three decades of building payment products at American Express, Western Union, Skrill, MoneyGram and Ford to decide what matters, and then helps you build it.
SCAN2PAY LTD
ENGAGEMENT RECEIPT · MERCHANT: YOU
Market research
AI · HOURS
Competitor scan
AI · HOURS
Regulation sweep
AI · HOURS
80-page deck
WEEKS
Senior judgement
30 YRS
Implementation
INCLUDED
TOTAL
WHAT TO DO NEXT
APPROVED
AUTH 2P0030 · PLEASE RETAIN FOR YOUR BOARD
APPROACH
Consultancy has changed.
For years, clients paid for research, and the advice arrived at the end of a long report. That research now takes an afternoon. We use AI on every engagement and say so up front, because it means your budget goes on the part that still needs someone who has done this before.
THE OLD MODEL
Paying for the research
Weeks of desk research by junior analysts
A long deck that summarises the market back to you
Options presented, decision left with you
Implementation scoped as a separate project
HOW SCAN2PAY WORKS
Paying for the decision
AI gathers and cross-checks the evidence in hours
Senior payments experience from day one, sifting out what doesn’t matter
A short list of what to do, in what order, and why
Hands-on help to implement it with your teams and providers
METHOD
Sift. Refine. Implement.
Every engagement follows the same three stages. At Skrill, 160 candidate projects were scored against the strategy and refined to the 40 that got built. The same discipline applies to your brief.
01
Sift
AI DOES: Gathers the market, providers, pricing, regulation and your own data into one picture.
WE DO: Test it against what actually happens inside acquirers, issuers and schemes, and throw out the noise.
02
Refine
AI DOES: Models the options, costs and trade-offs quickly enough to compare them side by side.
WE DO: Make the call. You get a clear recommendation, the reasoning, and what it will take to deliver.
03
Implement
AI DOES: Drafts the requirements, tenders, briefs and documentation your teams and suppliers need.
WE DO: Run the tender, brief the engineers, negotiate with providers and stay until it is live.
CLIENTS AND VENTURES
Who we work with
From global platforms to optician software, car dealerships and gift cards, the common thread is a business that needs payments to work harder: lower cost, less fraud, new markets, or a new product.
EVEX Group
ADVISORY
Pan-European assessment of embedding payments to drive growth and revenue for Europes No1 Optician SaaS platform.
Payments platform evolution and product range extension including subscriptions. Integrated and automated tax reporting to consumers and government.
Adyen
STRATEGY
Review and recommendation of their global issuing strategy in Europe & North America.
Gap analysis on capability, solution design and functional requirements captured to focus on most lucrative sectors.
Value proposition refined to win $100m incremental business.
Stripe
PARTNERSHIPS
Support for large potential clients who got 'stuck in the mud'. Fresh engagement to help prioritise the roadmap and bring light to a short, medium and long-term plan.
Implementation of a global orchestration layer, cross continents for one platform, one set of integrations for the same but different product set.
Aufinity
ADVISORY
Market entry consultancy. Already the no1 new finTech in Germany, Aufinity needed product and value proposition refinement to enter the UK market.
Payment methods revised to include Open Banking, incorporation of DMS operating systems and revised pricing helped Aufinity enter with a winning proposition.
BB Merchant Services
PARTNER
A unique proposition to review acquiring data and produce reports of best provider by payment type. Stay & Save vs Switch & Save.
Client contact and support for the Visa & MasterCard Group Claim for overpayment of fees. Advised on Money Remittance, Football, Charities and Gaming.
Crunch Payments
ADVISORY
Niche digital payments provider with a range of focused products serving gift cards, government distribution and shopping centres.
Capability benchmark, gap analysis and solution design to identify new addressable markets and functional requirements, roadmap, cost, time and business case to get there.
GiftStarr
ADVISORY
Market leader in UAE, in shopping centres with ambition to grow across the GCC region.
Competitor analysis of top three companies with a comprehensive assessment of everyone's strengths and gaps with a report on where the market was going in terms of mobile and contactless functionality and regionally into KSA.
Panasa Tech
GROWTH
In my opinion, one of the best kept secrets behind finTech back office engineering. Supporting most of the major players with front and back end support.
Business development strategy to engage with European Payments Association and positioning as the middleware convertor to latest platforms unwilling to flex for clients.
OUR OWN VENTURES
FraudBloQR · VENTURE
Co-founder and Chief Payments Officer. Product, partner ecosystem and retailer pilots in the UK and US.
FraudBloQR.com now live with ePay within Europe and set to test across multiple Tier 1 retailers in Q1 2027. This 3DQR code solution protects customers, gift card mall operators and retail brands from the growing organised crime of gift card fraud.
Enviricard · VENTURE
Co-founder and fractional CPO. Visa innovation programme and certification of a dual-interface paperboard card.
Initially converting over 90% of the worlds gift cards to paperboard, the next step is moving into contactless and dual-interface (Chip & PIN) cards with the only ISO and Scheme certified payment cards. Appropriately engineered for the 70% of people who use their physical card less than 100 times but still want a card.
TRACK RECORD
Where the judgement comes from
Stuart Butler founded Scan2Pay after a career spent taking large institutions into new digital territory, usually by building the new thing inside the old one.
2021–2025 · Ford · Global Group Product Owner, FordPay
Created and ran FordPay, one payments layer across 21 European markets covering dealers, online, in-car subscriptions and EV charging. 65% wallet adoption.
2018–2021 · DXC Technology · Senior Principal
Led delivery of the UAE’s eDirham national payments network: 5 issuing and acquiring banks and 40+ government entities. Taking all government payments via 'one pane of glass' mobile application, under direction from H.H. Sheikh Mohammed bin Rashid Al Maktoum. Launching during COVID and processing over $20bn USD within its first year.
2016–2018 · MoneyGram · SVP Digital
Took the India corridor from under 3% to over 25% digital by paying out straight to bank accounts and wallets in under an hour. Integration into NEFT and PayTM in India, brought near real-time remittance at near zero cost for millions of people, for billions of dollars. Similar integrations into China and Philippines, and across the main Mobile Network Operators (MNOs) in Africa genuinely used the digitisation of payments to improve the lives of millions.
2012–2016 · Skrill · VP Product
Built the product function for 40m customers in 200 countries and 1m active prepaid Mastercards as well as building the Skrill iT remittance platform, later emulated by many. Furthermore, built a Product Prioritisation Process whereas 160 projects were narrowed down to 40 that count, and 16 agile teams every fortnight had 'hands on keyboards' ready requirements across all product areas.
2010–2012 · Western Union · Director Digital Products EMEA
From building the first mobile app - Yes the iPhone launched in 2008 - followed by creating accounts for customers to send and receive directly. Nowhere more so than creating mobile load & send with Poste Italiane, to serve the Italy to Romania corridor, the largest in transfers and customers across the EU.
2008–2010 · American Express · Director Digital Payments
Assess and implement Revolution Money (RevMo) then replace the travellers cheques with prepaid travel cards across 200 partnerships. Create and distribute "Absolutely Fabulous' retail AMEX gift cards via InComm and Blackhawk in North America and Western Europe. Built and launched the Parent Teen prepaid account, known within the UK as GoHenry but across Parent / Teen in North America.
FOR WHOEVER MADE THE APPOINTMENT
Explaining the hire to your colleagues
If you’ve just appointed Scan2Pay, someone will ask who we are. Here is a short note you can send. Copy it and add your project.
To: Leadership team
Re: Why we’ve appointed Scan2Pay
We’ve appointed Stuart Butler of Scan2Pay Ltd to advise on [your project].
Stuart has spent three decades building payment products inside large organisations, including American Express, Western Union, Skrill, MoneyGram and Ford, where he created and ran FordPay across 21 European markets. He also led delivery of the UAE’s eDirham national payments network.
Scan2Pay uses AI to do the research quickly, so our budget goes on senior judgement and delivery rather than reports. We should expect a short list of clear recommendations and hands-on help implementing them. Time boxed and dependable.
Recent clients include EVEX Group and Aufinity.
CONTACT
Tell us the problem. We’ll tell you what to do.
Stuart Butler
BASED
London · working across the UK, Europe and the Gulf