About

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Paytiva is an independent consulting firm focused on the structuring and alignment of financial infrastructure in regulated and complex operating environments.

We provide non-regulated commercial and operational advisory services across payments, banking relationships, and financing frameworks where regulatory complexity, institutional risk assessment, and operational resilience are material considerations.

Our independence allows us to work objectively, supporting clients in preparing for and engaging with third-party financial institutions based on suitability, governance standards, and long-term viability.

We believe access to financial infrastructure should be deliberately structured, institutionally defensible, and capable of withstanding sustained regulatory and operational scrutiny.

Short-term solutions or workaround-driven approaches may create immediate access, but often introduce structural fragility over time. Our approach prioritises clarity, discipline, and alignment over expediency.

Each engagement begins with a rigorous understanding of the client’s operating model, regulatory environment, and strategic direction, ensuring infrastructure decisions are made with long-term implications in mind.

Our experience spans supporting established businesses operating in regulated and high-scrutiny environments where financial infrastructure must meet both commercial requirements and institutional standards.

We work at the intersection of payments, banking relationships, and working capital considerations, engaging with clients whose operating models demand careful structuring, jurisdictional awareness, and institutional readiness.

This experience enables us to engage effectively with banks, payment institutions, and financing counterparties, supporting structured dialogue within established institutional frameworks while maintaining appropriate separation from regulated activity.