SettleCard: Strategic Payment Solutions to Transform Your Online Business
Why SettleCard?
At SettleCard, we pride ourselves on providing enterprise-grade payment solutions at a fraction of the typical cost. We understand that payment processing is more than just facilitating transactions - it's the backbone of your business operations and a critical component of the customer experience. Our team of seasoned experts brings decades of collective experience in financial technology, regulatory compliance, and merchant services to help you navigate the complex and ever-evolving landscape of modern payments.
Our deep industry knowledge and commitment to innovation allow us to develop tailored solutions that address the unique needs of your business. Whether you're a small startup or a large enterprise, we have the expertise to streamline your payment processes, reduce operational costs, and enhance your customers' checkout experience. From strategic payment consulting to seamless technology integration, we're here to be your trusted partner in payment transformation.
At the heart of our approach is a relentless focus on client success. We work closely with you to understand your goals, pain points, and growth aspirations, then develop a customized payment strategy that aligns with your business objectives. Our team of payment specialists will guide you through every step of the implementation process, ensuring a smooth transition and ongoing support to help you achieve sustainable growth.
Whether you're looking to expand into new markets, optimize your existing payment infrastructure, or stay ahead of the latest regulatory changes, SettleCard has the solutions and expertise to help you succeed. Trust us to be your strategic partner in revolutionizing your payment capabilities and unlocking new opportunities for your business.
SettleCard delivers innovative card payment strategies and solutions designed to enhance efficiency, bolster security, and fuel growth for forward-thinking businesses.
Our team of seasoned experts, with decades of collective experience in financial technology, regulatory compliance, and merchant services, guides you through the complex landscape of modern payments.
We recognize that payment processing is not just about transactions; it's the backbone of your operations and vital to the customer experience.
With SettleCard, unlock the full potential of your payment ecosystem and strategically position your business for sustained, long-term success.
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Strategic Expertise
Our consultants blend deep industry knowledge with innovative thinking to create payment strategies that drive business growth and operational efficiency.
Merchant-Focused Solutions
We optimize your payment infrastructure to reduce costs, minimize fraud, and enhance the customer experience across all channels.
Global Capabilities
Navigate cross-border payment complexities with our expertise in international regulations, currency management, and regional payment preferences.
Technology Integration
Seamlessly connect your payment systems with your broader business infrastructure for improved data flow and decision-making.
Trusted by Leading Businesses Across the UK and Beyond
From innovative startups to established enterprises, we help businesses optimize their card settlement infrastructure and settlements to meet the demands of today's digital economy.
Who We Serve
SettleCard works with forward-thinking organizations across multiple online sectors, providing tailored payment solutions that address industry-specific challenges and opportunities. Our consultative approach ensures that each client receives strategies and implementations that align perfectly with their unique business requirements.
Gaming
Tailored payment solutions for the online gaming industry, ensuring secure and seamless transactions for players worldwide.
E-commerce
Frictionless checkout processes, international payment options, and robust fraud protection to drive global sales.
Cyber
Specialized payment infrastructure for cybersecurity firms, focusing on high-volume, secure transactions and subscription management.
Education
Streamlined payment systems for online educational platforms, supporting tuition fees, course enrollments, and international student payments.
Our Core Services
SettleCard delivers comprehensive payment consulting and implementation services designed to transform how your business handles transactions. Our solutions address the full spectrum of payment needs—from strategic planning to day-to-day operations.
Payment Strategy Consulting
Our strategic consulting services help businesses develop comprehensive payment frameworks that align with their broader business objectives. We conduct thorough assessments of your current payment infrastructure, identify opportunities for optimization, and create roadmaps for implementation that maximize ROI while minimizing disruption.
What We Deliver
  • Comprehensive payment ecosystem assessments
  • Future-proof payment roadmaps and strategy documents
  • ROI analysis and implementation prioritization
  • Vendor selection and management guidance
Our consultants bring extensive experience from leading financial institutions and payment processors, ensuring that your strategy reflects both current best practices and emerging trends in the payment landscape. By taking a holistic view of your business requirements, we deliver strategies that support not just transactions, but also data integration, customer experience, and operational efficiency.
Merchant Services Optimization
For businesses that accept payments directly from customers, optimizing merchant services can significantly impact both the bottom line and customer satisfaction. SettleCard's merchant services optimization identifies opportunities to reduce processing costs, streamline operations, and enhance the payment experience for your customers.
Fee Structure Analysis
Detailed review of your current processing fees, identifying opportunities for negotiation and restructuring to reduce costs.
Checkout Optimization
Enhancement of payment flows to reduce friction, increase conversion rates, and improve the overall customer experience.
Fraud Mitigation
Implementation of sophisticated fraud detection systems that balance security with customer convenience.
Reconciliation Efficiency
Streamlining of back-office processes to reduce manual effort and improve accuracy in payment reconciliation.
Our merchant services optimization typically delivers 15-30% cost savings while simultaneously improving customer satisfaction scores related to the payment experience. We work with businesses of all sizes, from small merchants to large enterprises with complex, multi-channel payment requirements.
Cross-Border Payment Solutions
In today's global economy, the ability to accept and disburse payments across borders efficiently is a critical competitive advantage. SettleCard specializes in designing and implementing cross-border payment strategies that reduce costs, accelerate settlement times, and simplify the complexity of international transactions.
Our Cross-Border Expertise Includes:
  • Multi-currency pricing and settlement strategies
  • Foreign exchange risk management
  • Regional payment method integration
  • International compliance and reporting solutions
  • Alternative payment networks and emerging technologies
By leveraging our extensive network of global payment partners and deep understanding of regional payment preferences, we help businesses expand into new markets with confidence. Our solutions are designed to balance the competing priorities of cost, speed, and customer experience, ensuring that your cross-border payment strategy supports your broader international growth objectives.
Compliance and Regulatory Guidance
The payment industry is subject to increasingly complex regulatory requirements, from PCI DSS to Open Banking, GDPR, and AML directives. SettleCard provides expert guidance to help businesses navigate this regulatory landscape, ensuring compliance while minimizing operational impact.
Regulatory Assessment
Comprehensive evaluation of your current payment processes against applicable regulations, identifying gaps and compliance risks.
Compliance Strategy
Development of pragmatic compliance roadmaps that address regulatory requirements while supporting business objectives.
Implementation Support
Hands-on assistance with implementing necessary changes to systems, processes, and documentation to achieve compliance.
Ongoing Monitoring
Continuous tracking of regulatory changes and assessment of their impact on your payment operations.
Our team includes specialists with backgrounds in regulatory compliance, risk management, and payment security. We stay at the forefront of regulatory developments in key markets, ensuring that our clients not only meet current requirements but are also prepared for upcoming changes to the regulatory landscape.
Technology Integration
Effective payment solutions require seamless integration with your broader business systems—from e-commerce platforms and point-of-sale systems to ERP and CRM solutions. SettleCard's technology integration services ensure that your payment infrastructure works in harmony with your entire technology ecosystem.
Our technology integration approach combines technical expertise with a deep understanding of business processes, ensuring that your payment data flows efficiently throughout your organization. We help businesses eliminate silos, reduce manual processes, and gain more value from their payment data through effective integration with key business systems.
API Integration
Development and implementation of robust API connections between payment systems and other business applications.
Data Transformation
Creation of data mapping and transformation processes to ensure consistent information flow across systems.
Middleware Solutions
Implementation of payment middleware to simplify connections between multiple systems and payment providers.
Legacy System Modernization
Strategies for updating or replacing outdated payment systems while maintaining business continuity.
Leadership Team
SettleCard is led by a team of seasoned payment industry professionals with extensive experience across banking, technology, and consulting. Our leadership brings diverse perspectives and complementary expertise to every client engagement.
Mr. Ronen Shilat
Chief Executive Officer
With over 20 years of experience in offline and online retail, payment systems and financial technology, Ronen leads SettleCard's strategic direction and client engagements. His background includes senior roles at online companies where he implemented innovative solutions for complex organizational and liquidity challenges.
Mr. Yarin Kobo
Chairman
Yarin brings extensive experience in corporate finance and strategic development to his role as Chairman of SettleCard. His background includes leadership positions in investments, restaurants, and private equity, with a focus on the financial technology sector.
As Chairman, Yarin provides strategic oversight of SettleCard's growth initiatives and governance, ensuring that the company maintains its commitment to excellence and innovation. His deep network within the financial services industry has been instrumental in establishing SettleCard's reputation as a trusted advisor to leading businesses.
Ms. Coral Israel
Head of Operations
Coral leads SettleCard's operational delivery, ensuring that client engagements are executed with precision and excellence. Her background in project management and payment operations brings practical experience to the implementation of complex payment strategies.
Before joining SettleCard, Coral held senior operational roles at leading IT service providers for enterprise clients. Her expertise in operational efficiency and process optimization helps clients realize the full potential of their payment implementations.
Our Approach
At SettleCard, we follow a proven methodology that combines deep analysis, strategic thinking, and practical implementation to deliver exceptional results for our clients.
Discover
We begin by thoroughly understanding your business objectives, current payment landscape, and future requirements through in-depth discovery sessions.
Analyze
Our team conducts comprehensive analysis of your payment data, processes, and systems to identify opportunities and challenges.
Strategize
We develop tailored recommendations and detailed roadmaps aligned with your business goals and industry best practices.
Implement
Our experts work alongside your team to execute the strategy, ensuring smooth deployment and knowledge transfer.
Optimize
We continuously monitor performance, refine solutions, and adapt to changing business needs and market conditions.
This structured yet flexible approach ensures that we deliver solutions that not only meet your immediate needs but also provide a foundation for future innovation and growth.
Client Success Stories
At SettleCard, we measure our success by the results we deliver for our clients. Each engagement is unique, but our commitment to driving measurable business impact remains constant. Here are some examples of how we've helped businesses transform their payment operations:
Leading UK Retailer
Implemented an omnichannel payment strategy that reduced processing costs by 22% while increasing customer satisfaction scores by 15%. The solution integrated in-store and online payment systems, creating a seamless experience across all channels.
Global E-commerce Platform
Developed a cross-border payment solution that expanded payment acceptance to 45 countries and 28 currencies, resulting in a 34% increase in international sales within the first six months of implementation.
Hospitality Chain
Redesigned payment processes and systems across 200+ properties, reducing reconciliation time by 75% and improving cash flow management. The solution also enhanced guest experiences through seamless payment options.
These examples represent just a small sample of the transformative results we've achieved for our clients. Each success story begins with understanding the unique challenges and opportunities facing the business, and ends with measurable improvements in efficiency, cost, and customer experience.
Case Study: Luxury Retail Group
The Challenge
A leading luxury retail group with 50+ stores across the UK and Europe was struggling with fragmented payment systems, high processing costs, and limited visibility into payment data. The fragmentation was creating operational inefficiencies and preventing the delivery of a consistent customer experience across channels.
Our Solution
SettleCard conducted a comprehensive assessment of the client's payment ecosystem and developed a three-year transformation roadmap. Key elements included:
  • Consolidation of payment processors to reduce complexity and costs
  • Implementation of a unified payment gateway across all channels
  • Integration of payment data with the client's CRM and analytics platforms
  • Development of a tokenization strategy to enhance security and enable personalized experiences
The Results
28%
Reduction in payment processing costs
65%
Decrease in payment-related customer service inquiries
17%
Increase in average transaction value through improved checkout experience
Beyond these quantitative results, the client gained valuable insights into customer behavior through the integration of payment data with their broader analytics ecosystem. This enabled more targeted marketing and personalized shopping experiences, further enhancing customer loyalty and lifetime value.
Case Study: Fintech Startup
The Challenge
A UK-based fintech startup with an innovative payment application was preparing for market launch but faced significant regulatory hurdles and uncertainty about compliance requirements. With limited internal expertise in payment regulations, the company was at risk of delayed market entry and potential compliance issues.
Our Solution
SettleCard provided comprehensive regulatory guidance and implementation support, including:
  • Detailed assessment of applicable regulations and compliance requirements
  • Development of a regulatory roadmap and compliance strategy
  • Creation of necessary policies, procedures, and documentation
  • Support during regulatory applications and approvals
  • Implementation of compliance monitoring systems
The Results
With SettleCard's guidance, the client successfully navigated the complex regulatory landscape and achieved market launch three months ahead of their original schedule. The robust compliance framework we established not only satisfied regulatory requirements but also became a competitive advantage, building trust with customers and partners. The client secured £5 million in additional funding following their successful launch, citing their sophisticated compliance approach as a key factor in investor confidence.
Case Study: International Hotel Group
The Challenge
A rapidly growing international hotel group with properties across Europe, the Middle East, and Asia was struggling with inconsistent payment processes, high cross-border transaction costs, and limited integration between their payment systems and property management software. These challenges were creating operational inefficiencies and impacting the guest experience.
Our Solution
SettleCard developed a comprehensive payment transformation strategy that addressed both immediate pain points and long-term strategic objectives:
  • Standardized payment processes across all properties while accommodating regional payment preferences
  • Implemented a multi-currency settlement solution to reduce FX costs and simplify reconciliation
  • Developed custom integrations between payment systems and the client's property management and reservation platforms
  • Created a tokenization framework to support secure guest profiles and streamlined recurring payments
The Results
£1.2M
Annual Savings
Through reduced processing fees and FX costs
42%
Efficiency Gain
In payment reconciliation and reporting processes
22%
Increase
In guest satisfaction scores related to check-in and payment experiences
3.5 hr
Daily Time Saving
Per property through automated reconciliation
The integrated payment solution also provided the client with valuable data and insights about guest preferences and behavior, enabling more personalized service and targeted marketing initiatives. The standardized yet flexible approach has supported the client's continued international expansion, allowing them to quickly integrate new properties into their payment ecosystem.
Insights & Resources
Stay informed about the latest developments in the payment industry with insights, analysis, and practical guidance from our team of experts. Our regularly updated resources cover emerging trends, regulatory changes, and best practices in payment strategy and implementation.
Featured Articles
Our team regularly publishes thought leadership content on key topics in the payment industry. Here are some of our recent articles:
The Evolution of Open Banking: Opportunities for UK Businesses
Explore how open banking is transforming the payment landscape and creating new opportunities for businesses to enhance customer experiences, streamline operations, and develop innovative services.
Advanced Fraud Prevention Strategies for E-commerce Merchants
Learn about the latest techniques and technologies for protecting your business from payment fraud while maintaining a frictionless customer experience. This comprehensive guide covers risk assessment, authentication methods, and emerging fraud patterns.
Navigating Cross-Border Payments: A Guide for Expanding Businesses
This practical guide helps businesses understand the complexities of international payments, from currency conversion and settlement times to regional regulations and payment preferences.
Optimizing Payment Acceptance: Strategies for Reducing Costs and Enhancing Customer Experience
The way businesses accept payments has evolved dramatically in recent years, driven by changing consumer preferences, technological advancements, and the growing importance of seamless omnichannel experiences. For merchants, this evolution presents both challenges and opportunities—particularly when it comes to balancing cost efficiency with customer satisfaction.
The Hidden Costs of Payment Acceptance
Many businesses focus solely on interchange fees and processor margins when evaluating payment costs, overlooking several significant expense categories:
  • Operational overhead - Staff time spent on reconciliation, dispute management, and reporting
  • Fraud and chargebacks - Direct losses and associated processing costs
  • Declined transactions - Lost sales due to legitimate transactions being incorrectly flagged
  • Opportunity costs - Revenue missed due to limited payment options or friction in the checkout process
Strategic Approaches to Cost Optimization
Effective payment cost management requires a holistic approach that considers the entire payment ecosystem:
  • Processor consolidation - Leveraging volume for better rates while maintaining strategic redundancy
  • Intelligent routing - Dynamically directing transactions to optimize for cost, approval rates, and other factors
  • Network fee management - Structuring transactions to qualify for lower interchange categories where possible
  • Alternative payment methods - Incorporating options like account-to-account transfers that bypass traditional card networks

Our analysis shows that most businesses can reduce their total payment acceptance costs by 15-25% through strategic optimization without negatively impacting the customer experience.
The most effective payment acceptance strategies don't view cost reduction and customer experience as competing priorities. By taking a customer-centric approach to payment optimization, businesses can simultaneously reduce costs and enhance satisfaction. This might include offering preferred payment methods to reduce abandonment, implementing sophisticated fraud detection to minimize false declines, or streamlining checkout processes to increase conversion rates.
The Future of Digital Payments: Trends Shaping the Next Decade
The payment landscape is evolving at an unprecedented pace, driven by technological innovation, changing consumer expectations, and an increasingly complex regulatory environment. Understanding the key trends shaping the future of payments is essential for businesses looking to develop strategies that remain relevant and competitive in the coming years.
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2023-2024: Embedded Finance Acceleration
The integration of payment functionality directly into non-financial platforms and applications will continue to accelerate, blurring the lines between financial and non-financial services. Businesses across sectors will increasingly embed payment capabilities into their customer journeys to reduce friction and create new revenue streams.
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2024-2026: Digital Identity Revolution
The convergence of payment authentication and digital identity solutions will create more secure yet frictionless payment experiences. Biometric authentication, behavioral analysis, and decentralized identity frameworks will reduce the reliance on passwords and knowledge-based verification methods.
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2026-2028: Central Bank Digital Currencies
The widespread implementation of CBDCs by major economies will fundamentally alter the payment infrastructure, enabling new types of programmable money and potentially reducing the role of traditional intermediaries in certain payment flows.
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2028-2030: Autonomous Payments
The rise of IoT-enabled devices and AI systems will lead to an increase in autonomous payments—transactions initiated by devices or algorithms rather than direct human action. This will create new opportunities and challenges in areas like consent management and transaction monitoring.
These trends will not evolve in isolation but will instead interact and reinforce each other, creating complex implications for businesses across industries. The most successful organizations will be those that not only monitor these developments but actively incorporate them into their strategic planning processes.
At SettleCard, we help businesses navigate this evolving landscape by developing payment strategies that balance current operational needs with preparation for future innovations. By taking a forward-looking approach to payment strategy, businesses can turn these trends from potential disruptions into competitive advantages.
Regulatory Outlook: Key Payment Compliance Developments for UK Businesses
The regulatory landscape for payments continues to evolve rapidly, with new requirements and frameworks emerging to address the changing nature of financial transactions. For UK businesses, staying ahead of these regulatory developments is essential for maintaining compliance and avoiding potentially significant penalties.
Strong Customer Authentication (SCA)
While SCA requirements under PSD2 have been in place for several years, regulatory focus is shifting to the quality of implementation and its impact on customer experience. Businesses should review their authentication processes to ensure they balance security with usability, particularly for returning customers and low-risk transactions.
New Payments Architecture (NPA)
The UK's New Payments Architecture represents a fundamental redesign of the clearing and settlement infrastructure for retail payments. As implementation progresses, businesses should assess how changes to payment rails will affect their operations and what opportunities the new capabilities might present.
Consumer Duty Regulations
The FCA's Consumer Duty regulations place new obligations on financial firms to deliver good outcomes for retail customers. For payment services, this means ensuring that pricing is transparent, terms are clear, and customers can make informed decisions about payment options.
Digital Identity Trust Framework
The UK government's digital identity initiative will create new standards for verifying identity online. Payment providers and merchants should monitor developments in this area, as they may offer opportunities to streamline onboarding and authentication processes while meeting KYC requirements.

Non-compliance with payment regulations can result in significant financial penalties, operational disruption, and reputational damage. The FCA has demonstrated an increasing willingness to take enforcement action against firms that fail to meet regulatory standards.
Navigating this complex regulatory landscape requires a proactive approach and specialized expertise. At SettleCard, we help businesses not only achieve compliance with current regulations but also develop frameworks that can adapt to future requirements. Our regulatory specialists monitor developments across multiple jurisdictions, providing early insights into emerging compliance challenges and opportunities.
Whitepaper: Building a Resilient Payment Strategy in an Uncertain Economic Environment
In times of economic uncertainty, payment operations can significantly impact a business's financial health and operational resilience. Our latest whitepaper explores strategies for developing payment frameworks that can withstand economic volatility while continuing to support business objectives.
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Key Topics Covered:
  • Diversification strategies for payment processing to reduce single points of failure
  • Cash flow optimization through improved payment timing and settlement efficiency
  • Cost management approaches that preserve customer experience and operational capabilities
  • Risk mitigation techniques for fraud, chargebacks, and payment failures
  • Technology investments that deliver both immediate efficiency gains and long-term strategic value
The whitepaper includes practical frameworks for assessing your current payment resilience, identifying vulnerabilities, and developing targeted improvement initiatives. It also features case studies from businesses across multiple sectors that have successfully adapted their payment strategies to navigate economic challenges.
Payment Technology Evaluation: Selecting the Right Solutions for Your Business
The proliferation of payment technologies and providers has created unprecedented choice for businesses—but also unprecedented complexity in decision-making. From payment gateways and processors to fraud prevention tools and reconciliation platforms, selecting the right components for your payment stack requires careful evaluation of multiple factors.
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Strategic Fit
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Functional Requirements
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Technical Integration
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Commercial Terms
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Operational Support
At the foundation of effective technology selection is a clear understanding of your operational requirements and business objectives. This includes not only current needs but also anticipated future requirements based on your growth strategy and industry trends. Without this foundation, even the most sophisticated technology may fail to deliver expected value.
Moving up the pyramid, evaluation should consider the functional capabilities of potential solutions, their technical compatibility with your existing systems, the commercial terms offered by providers, and the quality of operational support available. At the apex is strategic fit—how well the solution aligns with your broader business strategy and payment vision.
SettleCard's technology evaluation framework provides a structured approach to assessing payment solutions across these dimensions, helping businesses make informed decisions that balance immediate operational needs with long-term strategic considerations. Our vendor-neutral position ensures that recommendations are based solely on what's best for your business, not on commercial relationships with technology providers.
The Role of Data in Payment Strategy: Beyond Transactions to Insights
Payment data represents one of the most valuable yet often underutilized assets within a business. Beyond its operational role in reconciliation and reporting, payment data can provide profound insights into customer behavior, operational efficiency, and market trends when properly collected, integrated, and analyzed.
Customer Insights
Payment data can reveal patterns in customer purchasing behavior, including:
  • Preferred payment methods across different customer segments
  • Purchasing frequency and average transaction values
  • Response to pricing changes and promotional offers
  • Churn indicators and lifetime value projections
Operational Efficiency
Analysis of payment operations can identify opportunities for process improvement:
  • Reconciliation bottlenecks and manual intervention points
  • Settlement timing variations and their impact on cash flow
  • Processor performance comparisons and routing optimization
  • Staff productivity and resource allocation effectiveness
Risk Management
Payment data provides essential signals for effective risk management:
  • Fraud pattern identification and prevention strategy effectiveness
  • Chargeback root cause analysis and dispute resolution optimization
  • Credit risk assessment for customer financing programs
  • Compliance monitoring and regulatory reporting efficiency
Strategic Planning
Aggregated payment insights can inform broader business strategy:
  • Market entry timing based on payment adoption trends
  • Product development priorities informed by spending patterns
  • Channel investment decisions supported by payment performance data
  • Partnership opportunities identified through payment ecosystem analysis
Realizing the full value of payment data requires more than just collection—it demands integration with other business data sources, application of appropriate analytics techniques, and translation of insights into actionable business decisions. SettleCard helps businesses develop comprehensive payment data strategies that address data governance, integration architecture, analytics capabilities, and insight activation processes.
Translating Insights into Success
Our extensive Insights & Resources section provides foundational knowledge to optimize your payment operations. From robust risk management to strategic technology selection and insightful data utilization, we empower your business with critical information.
Actionable Strategies
Convert complex payment insights into clear, executable plans tailored to your business needs.
Integrated Solutions
Leverage cutting-edge technology and intelligent data for seamless, efficient payment processes.
Sustainable Growth
Drive measurable improvements and cultivate long-term financial health and operational resilience.
Ready to apply these insights to your unique business challenges? Partner with SettleCard to transform your payment ecosystem and unlock its full potential.