top of page


The card schemes are struggling to maintain their relevance in the face of the threat from alternative payments. Part of the problem is that Alternative Payment Providers (APPs) are able to build more compelling propositions than the card schemes. APPs have access to the individual customer data behind the payment transaction and that deadly achieve in the card model because of security concerns.<br/><br/>

The big schemes are Mastercard, (which dominates prepaid FinTech propositions) Visa, Amex, Discover and JCB.

bottom of page