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
Client sector and business overview.
Payments strategy and delivery support.
Adyen
STRATEGY
Client sector and business overview.
Payments strategy and delivery support.
Stripe
PARTNERSHIPS
Client sector and business overview.
Payments strategy and delivery support.
Aufinity
ADVISORY
Client sector and business overview.
Payments strategy and delivery support.
BB Merchant Services
PARTNER
Client sector and business overview.
Payments strategy and delivery support.
Crunch Payments
ADVISORY
Client sector and business overview.
Payments strategy and delivery support.
GiftStarr
ADVISORY
Client sector and business overview.
Payments strategy and delivery support.
Panasa Tech
GROWTH
Client sector and business overview.
Payments strategy and delivery support.
OUR OWN VENTURES
FraudBloQR · VENTURE
Co-founder and Chief Payments Officer. Product, partner ecosystem and retailer pilots in the UK and US.
Enviricard · VENTURE
Co-founder and fractional CPO. Visa innovation programme and certification of a dual-interface paperboard 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.
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.
2012–2016 · Skrill · VP Product
Built the product function for 40m customers in 200 countries and 1m active prepaid Mastercards.
2010–2012 · Western Union · Director Digital Products EMEA
Digital products with Poste Italiane, including the Italy to Romania corridor, the largest in the EU.
2008–2010 · American Express · Director Digital Payments
Prepaid travel cards across 200 partnerships and retail gift cards with InComm and Blackhawk.
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.
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