Time to get IT right
I co-founded one of the Netherlands’ leading Payment Service Providers and scaled it from two people to market leadership. That experience — building payment infrastructure from the inside — is what I bring to every fintech engagement.
As your Fractional CTO, I bring 35 years of building experience to the decisions that define your company’s technical future — without the cost of a full-time executive hire. You get the strategic clarity, the architecture discipline, and the battle scars of someone who’s done this before.
The Buckaroo Story
That journey — from startup to market leader — taught me everything about building payment infrastructure that scales, complies, and actually works under pressure.
13
Years building
Buckaroo
#1
First PCI-DSS
certified PSP in NL
99.99%
Uptime on payment
infrastructure
4x
Emerce Digital
Leader award
WHAT I OFFER
Payment expertise across the full technology stack.
From regulatory strategy to infrastructure architecture — I cover the decisions that make or break payment platforms.
🏗️
Architecture & Stack
Technology stack selection, system architecture design, database strategy, API design, and infrastructure decisions. The foundation everything else builds on.
- Transaction processing architecture
- Multi-PSP routing and failover design
- Settlement and reconciliation engines
- Fraud detection and risk management
- High-availability infrastructure design
📜
Regulatory & Compliance Strategy
Navigating PSD2, PSD3, SEPA regulation, and PCI-DSS isn’t just about checking boxes — it’s about turning compliance into competitive advantage. I’ve seen first-hand how the right compliance strategy accelerates growth instead of blocking it.
- PSD2 / PSD3 compliance and PISP/AISP strategy
- PCI-DSS certification roadmap and implementation
- SEPA Instant Credit Transfer integration
- Strong Customer Authentication (SCA) design
- Regulatory impact assessment for new markets
⚡
SEPA Instant & Open Banking
The payment landscape is shifting toward real-time settlement, open banking APIs, and account-to-account payments. I help organizations understand what this means for their business model and how to position themselves for what’s coming.
- SEPA Instant Credit Transfer readiness
- Open Banking API strategy (PSD2/Berlin Group)
- Account-to-account payment flow design
- Instant settlement architecture
- Cross-border payment strategy (Project Nexus)
🔒
Security & Resilience
Payment infrastructure has zero tolerance for downtime and zero tolerance for breaches. Building systems that meet both requirements simultaneously requires deep experience — not just with the technology, but with the operational discipline around it.
- PCI-DSS scope reduction and certification
- Automated failover and disaster recovery
- Tokenization and encryption architecture
- Security monitoring and incident response
- Penetration testing program design
DOMAIN KNOWLEDGE
Deep understanding of the European payment ecosystem.
Not just the technology — the business models, the regulatory dynamics, and the competitive landscape.
Payment Service Providers
Built and scaled a PSP from the inside. Understand acquiring, processing, settlement, merchant onboarding, and the economics of transaction fees.
Acquiring
Processing
Settlement
Merchant Services
E-Commerce Payments
Built and scaled a PSP from the inside. Understand acquiring, processing, settlement, merchant onboarding, and the economics of transaction fees.
Checkout UX
Conversion
Marketplace
Subscriptions
Retail & Point of Sale
Cash management automation, terminal integration, omnichannel payment strategies, and IoT-based retail solutions. Built Numus Cash for thousands of retail locations.
POS Integration
Cash IoT
Omnichannel
Banking & Open Finance
PISP/AISP licensing, open banking APIs, account information services, and payment initiation. Understanding where traditional banking meets fintech disruption.
PSD2/PSD3
Open Banking
PISP
AISP
Hospitality & Food
Payment solutions for restaurants, food courts, hospitality venues — where speed, reliability, and integration with POS/kitchen systems are critical.
Food Courts
Hospitality
POS Integration
Regulatory Landscape
Deep understanding of European payment regulation, compliance frameworks, and how regulatory changes create both risks and opportunities for payment businesses.
PCI-DSS
NIS2
SEPA
SCA
Not just advising. Still building.
I’m currently developing a next-generation payment platform focused on instant settlement and true 1-click checkout — using PISP licensing and SEPA Instant Credit Transfer to enable payment flows no traditional PSP currently offers. This means my knowledge of the European payment landscape isn’t historical. It’s what I’m working on right now, every day.
SEPA Instant
PISP
1-Click Payments
Instant Settlement
Zero Chargebacks
Time to get IT right.
Building something in payments?
Whether you’re launching a new payment platform, scaling an existing one, or navigating the shift to instant payments and open banking — let’s talk about what 35 years in the trenches can do for your project.