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UK payments consultancy

Payments decisions, made on evidence.

I introduce fintechs, platforms and merchants to licensed providers for accounts, IBANs, cards and acquiring, and run the RFPs that get you there.

Payments market pulseUpdated 1 Nov 2026
My read of what matters now
Regulation
MiCA stablecoin rules are now in force
Partner with a licensed issuer, do not build from scratch.
Rails
SEPA Instant is becoming the default
Check your provider is ready, not just willing.
Risk
Safeguarding scrutiny keeps rising
Know who your provider actually banks with.
Refreshed monthly. My independent read of the market.
20 yrsin payments and networking
UK EU US UAEmarkets worked
5 sectorsregulated B2B focus
£0cost of an introduction
What I do

Three ways I get you to the right provider.

Introductions

The right licensed provider, not the nearest one.

I know the market and the people in it. I match your business, model and risk profile to providers I have seen deliver, and I make the introduction warm. An introduction costs you nothing.

RFPs and procurement

Run properly, end to end.

I turn your requirements into a proper RFP and compare responses on fit, cost and speed.

Advisory

Senior help on the hard calls.

Licensing routes, scheme relationships and the decisions a board needs sized before it commits.

Who does the work

I do.

Marc Conway, founder and sole director, with more than twenty years in payments and networking across the UK, Europe, the US and the UAE. The person you talk to is the person doing the thinking.

How I pick

A scored shortlist, not a long list.

Every provider is scored on the same three things, so you get a clear pick and the reasons behind it, not a directory to wade through.

Your shortlistIllustrative
1Provider AStrong fit, fast onboarding, mid-costBest fit
2Provider BGood fit, lower cost, slower to liveClose second
3Provider CCapable, but will not bank your sectorRuled out
Scored onFit, cost, speed
My feeDisclosed upfront
You getA clear pick
Selected work

A few decisions I have helped with.

Clients stay confidential, so these are described, not named.

Card programme

A launch four banks had already declined.

Higher-risk merchant, turned away on sector alone. I found a sponsor that understood the model and ran the onboarding with them.

Live in 11 weeks, one accountable contact throughout.
Accounts and IBANs

Multi-currency, across three corridors.

A platform outgrowing its first provider. I ran an RFP across five licensed institutions and scored them on fit, cost and speed.

One provider chosen, the reasons documented for the board.
Advisory

Is this business worth buying?

An investor sizing a payments target. I pressure-tested the licence perimeter, the revenue quality and the key-person risk.

A clear go or no-go, with the risks named plainly.

An introduction costs you nothing. A provider may pay me an introducer fee, and if they do, I tell you in writing before I introduce you.

Consultancy work is a fixed fee or a day rate, agreed in a written scope before anyone starts. No meters running quietly in the background.

Who I work with

Regulated B2B, across five sectors.

Fintechs, PSPs and banks Digital assets and Web3 Marketplaces and platforms Payroll and contractors Digital commerce
Client reviews

What clients say

★★★★★5.0· 4 Google reviews
★★★★★
7 Seas Consultants Ltd. delivers world-class payment solutions for us at Keeva Travel. Their expertise in e-commerce payments, RFP management, and multi-currency IBAN setup is second to none. They are knowledgeable, responsive, and make things easy for us. Totally recommend 7 Seas if you want to scale your business operations.
Rory McManusGoogle review
★★★★★
We've worked with Marc and his company for many years and across multiple companies and sectors. 7 Seas offers a no-nonsense approach with sensible, robust solutions that enable my team and our projects to fly. If you want a serious customer services focused team, twinned with a laser-focus on commercials, this is the team and company you should work with!
Kevin TewisGoogle review
★★★★★
We have both utilised this consultancy ourselves, as well as recommended them to our clients, several times. Always very well informed, well connected and highly knowledgeable.
Billy NixonGoogle review
★★★★★
I've worked with Marc for the last eight years, first directly for him earlier in my career and then on multiple projects since. He's an outstanding manager who knows how to drive and motivate people, and he's been key in shaping payment strategies across issuing, acquiring and alternative payment methods. His first-hand experience across multiple jurisdictions means he not only has sharp insight into local card and payment markets but has also delivered solutions globally. Very few people in the industry have his depth and breadth of knowledge. If you need strategic direction on new payment solutions or on accelerating existing ones, Marc is the person to talk to. I highly recommend 7 Seas Consultants.
C. AllenGoogle review

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