Scheme onboarding, market expansion, build versus buy
Joining a scheme, entering a new market, and deciding whether to build or buy
Scheme onboarding, market expansion, build versus buy: joining a payment scheme, entering a new market, and deciding whether to build or buy.
What You Can Do After This Chapter
Learning objective. Learner explains how a payment service provider joins a scheme through adherence, how certification is earned through test packs, and how a firm enters a new market with a licensing and regulatory map. Learner compares local payment methods such as Pix, applies the build versus buy framework, runs vendor selection and management, and tracks the annual scheme change calendar.
Practical assessment. Learner receives a case where a firm must enter Brazil and support Pix, then drafts the regulatory map, the licence requirement, the local rail integration, and the build versus buy decision. Learner also plans the SEPA adherence and the certification test pack.
Expected deliverables.
- Market entry regulatory map for Brazil
- Build versus buy decision paper
- Vendor selection RFP outline
- Scheme change calendar
Completion criterion. Learner drafts a correct regulatory map for Brazil, explains the Pix integration, and applies the build versus buy framework with a reasoned decision.
- Joining a payment scheme: membership, adherence and the application
- Scheme certification and test packs: proving the product works
- Entering a new market: licensing, local rails and the regulatory map
- Local payment methods by market: what changes when you cross a border
- Build versus buy: the decision framework for payment technology
- Vendor selection and management: choosing and controlling a payment supplier
- Managing scheme change: rulebook updates and the change calendar
Start Lesson 1: Joining a payment scheme: membership, adherence and the application →