Payments deserve a seat at the table — not a line in the budget.

We help luxury and premium retail brands turn payments from a cost centre into a strategic advantage — through embedded, fractional leadership built from 20 years on the merchant side.

One team. Full-cycle payments leadership.

We don’t sell trends or blue sky. We start with what’s broken, fix what delivers ROI fastest, and build from there.

Diagnostics & Optimisation: A forensic look at what your current setup is actually costing you — and where the quick wins are. Fee renegotiation, vendor review, conversion analysis, fraud strategy, payment mix, and data-driven KPIs.
Payments Strategy: A clear, business-first payments roadmap aligned to your growth priorities — not a technology wishlist. Includes vision, target operating model, stakeholder alignment, and strategic planning.
Implementation & Execution: Strategy is only as good as its execution. We manage payment projects end-to-end — vendor selection, solution setup, testing, go-live, and team onboarding. You get delivery, not just recommendations.
Fractional Head of Payments: C-level payments expertise on a fractional basis. We embed with your team, co-pilot decisions, and build a payments capability that stays after we leave. No full-time hire needed.

The numbers behind the work.

20+ luxury and premium retail brands partnered with across markets

€30M+ in measurable ROI through fee savings, new channel activations, and improved conversion

20 years on the merchant side — built from the client’s chair, not sold from the outside. That foundation shapes everything we do

Meet The Founder

Most luxury brands treat payments as invisible infrastructure — something that “just works” until it doesn’t. Tech optimises for speed. Treasury optimises for cost. Nobody is optimising for the business.

I spent almost 20 years inside the world’s most demanding luxury houses building payments into a strategic function from the ground up — no team, no mandate, no budget. By the time I left, teams were competing to own what I’d built.

Now I do the same for brands that need the transformation but don’t have the capacity to drive it alone. I embed as your Fractional Head of Payments and work from the inside — starting with the business, not the technology.

Our Services

We don’t answer a brief. We build the function. Most payments consultants come from the provider side — they know what’s technically possible but don’t understand your internal politics, KPIs, or constraints. PaymentVibes was founded on almost 20 years on the merchant side of luxury retail. We work from the inside, starting with your business priorities — not a technology wishlist.