ABOUT US

We don’t just advise. We execute.

Flotta was built by operators who have held senior roles at Visa, American Express, JCB, Chevron, Mastercard and Accenture. People who have built payment programmes from scratch, understanding how to navigate and comply with regulations whilst running the networks, globally.

We exist because growing businesses deserve that level of operator experience combined with a leaner commercial model to move quickly.

FOUNDED

10+ Years of independent advice. Built from the inside out.

Flotta was established in 2014 with one clear belief: that the best payment advice comes from people who have actually done the work. Not studied it. Not advised on it from a distance but actually did it.

In the decade since, we have worked with global banks, payment schemes, financial institutions, merchants and fintechs across EMEA, LATAM, APAC and the Americas. The team has grown. The belief has not changed.

OVER A DECADE OF EXPERIENCE

Closing the payments strategy and execution gap.

Growth-focused businesses often face payment challenges that don’t fit standard solutions. They need specialist expertise that is commercially grounded, practical and cost-effective to implement whilst tailored to the realities of their business.

Flotta was built to close that gap, providing not just advisory but executionary support as well. We come in as a team of payment operators who understand the real problem and stay until it is solved.

THE APPROACH

An extension of your team, without the costly overhead.

Every Flotta engagement is led by a senior leader with real-world expertise from day one. You work directly with someone who has built and run payment programmes at scale.

We start by understanding your situation properly. Then we design the right approach, support the implementation and stay accountable for the outcome. We do not disappear after the strategy deck.

BEFORE THE CONTRACT

We share what we find before we ask for anything.

Our first conversation is diagnostic, not commercial. We give you an honest view of your situation before any engagement begins. If we can help, we will explain exactly how. If we are not the right fit, we will say so.

Value before contract. That is how we have always worked.

GET TO KNOW US

Over 150 years of combined operator experience.

Our team has built issuing and acquiring programmes, led commercial negotiations and managed payment operations globally. From payment architecture and transformation to mobility, retail, strategy, commercial growth and legal advisory, our team brings hands-on experience from across Europe, Africa and Australia to support clients wherever they operate.

Leadership team

Payments | Issuing | Acquiring | Open Banking | Fintech

Andrew has spent more than 25 years helping organisations build, scale and transform payment businesses globally. His career includes senior leadership roles at Visa, JCB Cards Europe and Pomelo Pay, alongside responsibility for payment and loyalty strategy across Chevron, Texaco and Caltex operations worldwide.

Today, he advises financial institutions, fintechs, payment providers and merchants on growth, market expansion and payment strategy, drawing on hands-on experience gained across Europe, Asia Pacific, the Middle East, Africa and North America.

Payments Association Ambassador and Merchants Payments Working Group Chair | Level39 Mentor | Fellow of the Chartered Management Institute

Go-to-Market | Positioning | Commercial Strategy | Market Intelligence | Growth

Mia is a senior B2B marketing leader with 25+ years’ experience, including more than a decade across fintech, payments and financial services. As Flotta’s Fractional CMO, she leads marketing and go-to-market strategy, bringing together positioning, market intelligence and commercial activation to support growth and strengthen Flotta’s market presence.

She has worked across global financial institutions, high-growth fintechs and scale-ups, helping businesses sharpen their proposition, enter and build markets, and turn complex expertise into clear commercial value. Her approach combines strategic thinking with hands-on execution, ensuring marketing stays closely connected to the business and its growth ambitions.

Commercial Partnerships | Revenue Growth | International Business Development

Huw has built a career helping organisations develop strategic partnerships, enter new markets and accelerate commercial growth across EMEA. His experience spans payments, retail and travel, where he has led business development initiatives, managed complex commercial relationships and delivered revenue growth for international organisations.

Today, he works with clients to identify new opportunities, strengthen commercial partnerships and create sustainable growth strategies built around long-term value.

Payment Architecture | Transformation | Transaction Processing | Global Programme Delivery

Trevor has spent his career helping organisations design, modernise and transform payment infrastructures across multiple markets. A former Accenture consultant, he has led large-scale payment and transaction processing initiatives throughout Europe, Latin America, Africa and the Middle East, including complex multi-country programmes for global enterprises.

Today, he helps clients navigate transformation programmes, modernise payment operations and build scalable architectures that support long-term growth.

Commercial Legal Advisory | Governance | Complex Transactions | Public and Private Sector Projects

Senior legal executive with extensive experience advising public and private sector organisations on complex commercial and transactional matters. A former Director at Fieldfisher and Partner at Devonshires and Trowers & Hamlins, Susannah has advised government bodies, funders, developers and end users on major UK projects. Recognised by The Legal 500 in her field, she has served as an Executive Director of Flotta Consulting since 2014.

OUR VALUES

Yes, we genuinely love payments.

It’s why we bring fresh thinking, creative problem-solving and genuine enthusiasm to every client engagement. These principles shape how we work, how we collaborate and the outcomes we deliver.

Integrity

We tell clients what they need to hear, not what they want to hear.

Curiosity

We seek to understand the business behind the payment challenge.

Accountability

We take ownership of outcomes and follow through on commitments.

Excellence

We bring professionalism, preparation and expertise to every engagement.

Passion

We approach every challenge with enthusiasm and a desire to create positive outcomes.

Where our 150 years of experience was gained

Flotta Consulting | Merchant Acquiring | Card Issuing Consultancy

Payments Association

Flotta is an active participant of the Payments Association, the leading professional network for the payments industry in the UK and internationally. Andrew serves as both Payments Association Ambassador and Chair to the Merchants Payments Working Group.

Level39

Flotta has a long-standing relationship with Level39, Europe’s leading fintech hub, where we’ve spent many years mentoring and advising startups and scaleups as they navigate growth, payments and commercial complexity.

Professional standing

Our influence extends beyond client engagements. Flotta is regularly invited to advise central banks, regulators, fintech organisations and industry bodies, providing trusted expertise, executive mentoring and specialist training across the global payments ecosystem.

Experience is most valuable when it’s shared.

Tell us what you’re working on, where the challenges sit and what success looks like. We’ll help you determine the best next step.