146 clients
41 countries
16m+ cards globally

Simplifying payment experiences worldwide

Change Financial is redefining payments and card issuing. Our innovative payment solutions have customisation, client experience and service at their core.

A partner of choice

Partnering with businesses worldwide, we help to accelerate our clients’ growth with trusted simple, flexible and fast-to-market payment solutions.

Simple. Flexible. Fast

Our solutions

Tailored payment services, card issuing and payments testing.

Vertexon our payments platform, seamlessly integrates with your core systems enabling you to easily deliver physical and digital card solutions to your customers. Vertexon includes fully integrated features such as Apple Pay, Google Pay, Samsung Pay and Buy Now Pay Later (BNPL) as well as full program management services.


Deliver seamless management of physical, digital and virtual cards to your customers. Instant issue virtual cards allow your customers to pay without delay.


Offer innovative prepaid, debit and credit card solutions to customers. Our secure and scalable platforms and services make payments easy.

Digital Payments & Wallets

Allow customers to securely pay using their mobile or smart watch with Apple Pay, Google Pay and Samsung Pay, or white label a mobile wallet.

Buy Now Pay Later (BNPL)

Deliver BNPL features on your cards with any merchants, without having to partner with a third-party provider. Leverage the biggest payment networks in the world to provide customers with new ways to pay.

Transaction Processing

Access all major card schemes including Mastercard, VISA, AMEX, JCB, UnionPay and Diners using our transaction processing.

Payments as a Service (PaaS)

Allow Change Financial to manage every aspect of your end-to-end cards program.  We can manage all your payment services for you, including loyalty program integration, SaaS and on premises offerings. We make it easy and cost-efficient.

PaySim tests your payment systems to ensure they meet the reliability and performance expectations of your customers by simulating the full transaction lifecycle, enabling you to easily complete end to end testing of your payment platforms and processes.

Payment Simulation

Simulate over 60,000 variations of switch types so there are no surprises.

Stress testing & capacity planning

It is impossible to stress test manually. PaySim stress tests over 10,000 transactions per second.

ATM, POS & ISO Simulation

Test ATMs, POS, interchange, regression and stress test cases concurrently, using a single system from your desktop.

Testing Automation

Run tests at times that suit you. By automating the tests and reports, you save time and money.

Industry agnostic

Our solutions excel across multiple industries and sectors

Technology & Service Providers
Retail businesses

Client success

We have partnered with over 146 clients in many industries

Our agility allows us to tailor differentiated solutions to meet each client’s unique needs.

“Our mission is to partner with our clients and help their businesses be successful, by providing world class payment solutions and value-added services.”

Alastair Wilkie
CEO of Change Financial