Strategic thinking
Business planning, pricing, risk, governance, and operating model — handled together.
About us
Excellence Pay provides business advisory and IT services in card payments for banks, payment institutions, payment IT providers, and high-volume merchants. Our consultants support individual tasks as well as the end-to-end delivery of complex projects — from business planning through project management to implementation.
Delivery discipline
Project management, vendor coordination, implementation, and testing in a transparent cadence.
Payments ecosystem
Bridging banks, card schemes, payment providers, and merchants.
Services
Three service areas — available for individual tasks and complex programs alike.
Business development
- Payment-services strategy, business planning, pricing models, and cost analysis
- Risk analysis and risk management
- Architecture and infrastructure planning, including in-house vs. outsourcing and SaaS/IaaS analysis
- RFI and RFP support for payment providers and card-system developers/providers: gathering business needs, translating them into technical requirements, supporting vendor negotiations and selection
- Business specification preparation
- PCI audit readiness
- Designing payment-service processes, IT governance, and policy frameworks
Project management
- End-to-end project management for payment-service and related system rollouts
- Defining and tracking scope, schedule, budget, and resource plans
- Coordination between vendors, banks, card schemes, and internal stakeholders
- Leading testing, certification, and go-live phases
- Risk and change management, status reporting to business and IT leadership
IT implementation tasks
- Development specifications for card systems
- Card-system host-side certification and testing on issuing and acquiring sides (ATM, POS, e-commerce)
- Testing and operational support for authorization modules and payment switches (VISA, MasterCard, American Express, etc.)
- Testing and operational support for card- and merchant-management (back-office) systems
- Support for card-scheme clearing and settlement setup
- Support for reporting and financial reconciliation processes
- Parameterization and operational support for fraud-monitoring systems
- Support for card-scheme certification of card, POS, mPOS, and ATM devices
Selected typical projects
A selection of past engagements from payment and card-system environments.
- Supporting the creation of a company providing card processing services for banks and merchant networks
- Project management for replacing a bank-card management system at one of Hungary's leading commercial banks
- Project management for building in-house card-issuing capability for a bank in an Asian market, replacing an outsourced service with their own system
- PCI DSS, PCI 3DS, and PCI PIN audit readiness and project management for a bank operating in an Asian market
- Designing HSM and key-management processes and supporting operations for a card-technology service provider
- Supporting issuer and acquirer card-management system implementation — selection, project management, and testing — at a major Hungarian bank
- Card-service provider selection and implementation support for a European bank
- Delivering card-scheme certification for POS terminals for a card-technology service provider
- Developing a long-term payment-services strategy for a public-service provider
- Professional support for POS terminal procurement for a merchant with national coverage
- Professional support for developing and introducing a new fraud-prevention system for a major Hungarian bank
- Professional support for selecting a payment service provider via public procurement for a national transport operator
POSnavigator operations
Excellence Pay plays an active role in operating POSnavigator, a payment-acceptance advisory and comparison service.
POSnavigator supports merchant decisions with payment-acceptance comparisons, cost analysis, and specialist market knowledge.
Owners
Backgrounds spanning payments, project delivery, and operations.
Giret Gergely
Founding owner, business and technology lead
Founder with an economics background and over two decades of work on payment-service and card-system projects across business, technology, and operations.
Horváth-Vidó Eszter
Co-owner, project and operations focus
Focuses on delivery, stakeholder coordination, and transparent progress in business operations.
Contact
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