External Head of Payments
Get a seasoned Head of Payments without hiring full-time. We provide leadership, strategy, and execution tailored to your payment needs.
Start your projectWhat We Offer in terms of External Head of Payments
Payment stack strategy
We help define or optimize your payment architecture, providers, and roadmap.
Cost optimization
We audit your fees and suggest improvements to reduce operational costs.
Compliance support
We ensure your payment flows align with local and global regulations.
Partner negotiations
We join your calls to negotiate with PSPs, acquirers, or card schemes on your behalf.
How We Work?
Initial workshop
We review your payment flows, challenges, and define the KPIs together.
Execution plan
We prepare a roadmap and assume the Head of Payments responsibilities inside your team.
Active management
We execute the strategy, manage stakeholders, and drive implementation across departments.
Feedback loop
We evaluate results and adjust strategy based on performance and feedback.
Trusted by Leading Companies
Leadership without hiring
Many companies need senior payment expertise but can’t justify a full-time hire. We offer an on-demand Head of Payments to guide your business through audits, integration, or growth stages. Gain credibility and results - without the hassle of recruitment or training.
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Proven track record
Our experts have worked with banks, PSPs, and high-volume merchants across Europe. We understand both technical infrastructure and regulatory requirements. With us, you gain deep knowledge, strategic insight, and operational focus from day one.
What Our Clients Say
The z3x team provided comprehensive support throughout the design and development process of our new mobile application - from the initial concept, through product strategy development, to the final implementation. The collaboration covered both the technological and business aspects, with every stage carried out with great attention to detail and quality. The team demonstrated an excellent understanding of our needs, high flexibility, and the ability to efficiently address emerging challenges. The implementation of payments was just one of many well-executed components in this complex project.
Piotr Pszczolkowski
CEO
Working with the z3x team on auditing our processes proved to be very valuable. We received a detailed analysis of existing solutions, reliable research, and specific recommendations for changes and improvements. The team demonstrated extensive knowledge of the industry and the ability to combine business and technological perspectives. The entire process ran smoothly, and the materials prepared provided a solid basis for further optimization activities.
Piotr Birski
Chief Product Officer
The z3x team demonstrated a high level of professionalism and an excellent understanding of the specifics of the FinTech and e-commerce market. The audit, detailed analysis of the competitive environment, and local customer expectations provided us with valuable data that really supported the decision-making process and planning for the launch of new services. We appreciate the strategic approach, timeliness, and quality of the materials prepared. The cooperation went smoothly and fully met our expectations.
Sebastian Ramatowski
Head Indirect Sales Poland
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Our expertise around External Head of Payments
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