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A payment is the very simple act of transferring ownership of value from one entity to another. However, what began as a very simple activity, over time has become tremendously complex due to the increasing number of ways in which buyers and sellers, and senders and receivers of value communicate with each other. Additionally, the Internet and mobile phones are fundamentally altering the way in which commerce is conducted globally and how payments are made. Transaction speed and borderless commerce are making the world smaller and marketplaces more efficient.

RPGC is a highly specialized consulting firm advising clients in the areas of consumer payments, primarily those performed in a non-face-to-face (Customer Not Present) environment, such as those made on the Internet or via mobile phones. RPGC’s subject matter expertise in payments lays at the intersection of the Retail, Financial, and Payment Technology Providers industries.

At RPGC, we are very familiar with all aspects of the payments business, especially with “remote” payments such as Web-based or Mobile-based payments. These are very challenging type of payments because of specific regulations that applies to them and because of the possibility of fraud. We also specialize in cross-border payment transactions, an area that is gaining much interest as buyers and sellers are looking beyond their geographical boundaries to expand their markets and to extend their sources of goods and services. Additionally, we also help merchants and financial institutions decipher the “untidiness” in the payments space brought about by the many alternative payments schemes now available.

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