Introducing the Payment Governance ToolKit
Practical Guidance for Smarter Payments and Stronger Outcomes
You’ve built a business, and now every payment you accept is a chance to improve performance, strengthen trust, and unlock long-term value.
Payments aren’t just a cost of doing business, they’re a powerful lever for growth, efficiency, and competitive advantage. Payment system evolution is bringing new opportunities to reduce cost, streamline operations, and improve compliance.
As your business grows, restructures, or crosses key revenue thresholds - $5M, $10M, $50M, $100M, $500M - your payment needs change too. Without strong governance, it’s easy to miss the full potential of your payment infrastructure.
That’s why I created the Payment Governance Toolkit - a practical, strategic guide for business leaders who want to take back control. This toolkit gives you the frameworks, checklists, and maturity models to turn payment chaos into clarity.
Who Is This Toolkit For?
This toolkit is built for:
CFOs and Revenue Leaders who want to reduce cost without introducing risk.
COOs and Heads of Operations who need scalable, future-ready payment infrastructure.
Procurement and Risk Teams who manage vendors, PSPs, and compliance.
Who benefits most?
The Payment Governance Toolkit is designed for sectors where payment complexity meets high transaction volume. Industries like public transit, parking, tolling, fuel, and gaming often deal with fragmented systems, surcharging issues, legacy infrastructure, and rising fraud risk.
It’s equally relevant for retail chains, QSR/food service, healthcare, education, and membership-driven organisations, especially those crossing key revenue milestones or undergoing digital transformation.
If these questions hit home:
Do you know exactly what your payments are costing?
Are you confident you are not being overcharged?
How do you get a better deal?
Why does changing provider feel so hard?
Then this toolkit is for you.
What’s Inside the Toolkit?
The Payment Governance Toolkit brings together years of insight from payment audits, strategy consulting, and real-world industry challenges. Here’s a look at what’s inside:
🔹 Section 1: Foundations of Payment Governance
Build the case for governance with a clear framework and guiding principles.
🔹 Section 2: Governance Health Check
A detailed checklist to assess your current position — over 20 governance questions.
🔹 Section 3: Maturity Model
A five-stage model to benchmark where you are today and where you need to be.
🔹 Section 4: Risk & Opportunity Mapping
Identify where poor governance leads to financial loss, operational risk, or missed opportunity.
Why It Matters Now
The payments landscape is shifting fast:
BECS is being decommissioned - forcing businesses to rethink direct debit.
Surcharging may be restricted - meaning many will have to absorb rising card costs.
Fraud and data risk are rising, and so are compliance expectations.
Vendor lock-in is real, and many providers aren’t transparent on fees or terms.
Good governance turns payments from a cost centre into a competitive advantage.
It empowers your team to make smarter decisions, act faster, and stay ahead of change.
How to Use This Toolkit
Use it to:
Audit your payment operations — identify gaps, inefficiencies, and exposure.
Evaluate vendors and platforms — including acquirers, PSPs, gateways, and card schemes.
Prepare for change — whether that’s regulatory, technical, or strategic.
This isn’t just a theory piece. It’s designed to be printed, scribbled on, shared across teams, and used to drive action.
The Payment Governance Toolkit is available free to all subscribers.
About Payment Matters
At Payment Matters, we help businesses take control of payments — uncovering hidden costs, simplifying complexity, and building smarter strategies for what’s next.
Our services include:
Strategic Payment Audits
Cost Reduction & Fee Recovery
Future-Ready Payment Roadmaps
Fractional Chief Payment Officer services
You can explore all our services at: Payment Matters
Want to Go Further?
If you're using the toolkit and want to dig deeper, let’s talk. We help businesses:
· save money
· save time
· grow faster
by optimising their inbound and B2B payments.
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Let’s talk if you think Payment Matters could be the right fit for your needs. Reach out to discuss how we can support your organisation.
paymentmatters.com.au