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About us

In complex industries like ours, trusted partners and trustworthy expertise make all the difference. Monavate is your go-to payment solutions partner. We’ve got the people, tech and approach to make your financial ideas a reality.

People-first payment solutions

Bringing ideas to life today can be complex and time-consuming, not to mention manual and expensive. Everyone’s time, resource, budget and patience are finite.

We know that. Which is why we’re about people-first payment solutions. They’re engineered by people for people. Because let’s be honest, people make payments.

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A better way?

While there’s no such thing as a simple payment system, do things really need to be so hard? We don’t think so. We want to demystify finance, making it accessible to all; simplifying and improving how people pay the world over. We're always searching for better ways.

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Up for your challenge

No matter the size or scale of your idea. Or how many times you’ve been told it can’t happen. We’re up for the challenge.

'Never been done' makes us buzz.

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We care out loud

We aim to change the way our customers feel about getting their ideas to market, through service and support that’s second to none. We care out loud. That’s because we don’t take partnership lightly.

We believe in being generous with our experience, relationships and expertise to create simple, happy paths to market.

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Our team

We're a team of specialists and are committed to keeping it that way. That’s on everything from navigating regulations, scheme rules and partnership contracts, to launching card programme after programme. Your business is in good hands.

There’s no substitute for experience. You’ll find our recommendations solid. They’re future-proofed and rooted in real-word pragmatism – much like our team.

Scott Lucas

Chief Commercial Officer, Co-founder

Scott started his career at HBOS before holding a number of key positions at Cashflows, most recently as commercial lead for BIN sponsorship. Well-known, highly respected within the industry and with exceptional knowledge of ATM and Issuing BIN sponsorship, Scott expanded Cashflows' issuing and ATM function to span more than 20 countries before becoming Chief Commercial Officer and founder of Monavate.

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Dörte Dye

Chief Product & Delivery Officer, Co-founder

Dörte has more than 12 years’ experience in financial services, holding previous positions at RBS and Worldpay. Prior to Monavate, Dörte served as Head of Product & Delivery for BIN sponsorship at a major fintech acquirer and issuer. Having led the delivery of more than 50 successful Issuing and ATM projects across all major global card schemes, Dörte has unparalleled project delivery experience.

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Ajeb Wahiwala

Chief Legal & Compliance Officer, Co-founder

AJ is a lawyer by training. He has extensive experience in payments, fintech, corporate finance, compliance, regulatory law and litigation. AJ sat on the board at his last company as General Counsel, also serving as Company Secretary and the Data Protection Officer. Previously, AJ was a senior legal counsel at Mastercard, specialising in prepaid products as well as being the lead lawyer for EMEA-based card products.

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Elizabeth Barnes

Chief Financial Officer

Liz is a founding member of Monavate, with over 15 years’ experience in finance and data-driven business development. Having held a number of senior commercial roles, Liz has an intricate knowledge of the payment sector's highly-regulated financial ecosystem. Most recently Liz was Commercial Financial Controller at Cashflows and brings with her a wealth of specialist expertise in the often complex worlds of issuing, ATM, scheme sponsorship and acquiring.

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Mastercard Accelerate

Designed to make it easier for Fintechs to work with Mastercard through all stages of growth and transformation. Monavate is a Mastercard Accelerate partner.

Visa Ready

Certified by Visa, trusted by the global payments ecosystem. Monavate is a Visa Ready partner.