About Blue Horizons Payments Consultancy LLC
Blue Horizons Payments Consultancy LLC is a U.S.-based consultancy firm specializing in the strategic advancement of payment technologies across the full transaction lifecycle. We empower financial institutions, fintechs, acquirers, and retailers through tailored, cost-effective, and scalable solutions in SoftPOS, mobile payments, revenue growth strategy, cybersecurity, and end-to-end payment system consulting.
With over 35 years of experience in the payments industry—including leadership roles at Visa Europe—our founder, Alex Çakıroğlu, brings a unique ability to bridge global trends with practical, client-centric execution. Our approach combines deep technical expertise with hands-on strategic support to drive sustainable growth, compliance, and digital transformation.
Our Vision
To be a trusted partner in shaping a secure,
innovative, and inclusive global
payment ecosystem.
We strive to:
Lead in SoftPOS integration and mobile payment transformation.
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Support our clients in optimizing their entire payment stack—from processing to security.
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Deliver results that improve operational efficiency, customer experience, and revenue performance.
Our Mission
To deliver expert-driven, end-to-end consultancy services that enable businesses to scale securely and efficiently in today’s fast-evolving payments landscape.
Our mission is anchored in:
Offering actionable, strategic guidance on every layer of the payment value chain.
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Promoting financial inclusion through affordable, accessible technology.
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Supporting secure and compliant innovation at every touchpoint.
Core Consultancy Services
SoftPOS Product & Integration Consulting
Deployment strategy, vendor selection, architecture planning, and scheme compliance for SoftPOS rollouts.
1
Payment Gateway Solutions Consultancy
Advisory on processor selection, cost optimization, transaction routing, and performance benchmarking.
2
Mobile Payments Consulting
Support for wallet integration, tokenization, NFC, QR, and in-app payment strategies.
3
Driving Revenue
Growth
Strategic planning to enhance payment acceptance, customer conversion, and cross-border enablement.
4
End-to-End Payment Systems Expertise
Complete payment stack reviews, system design, and modernization roadmaps for acquirers, issuers, and merchants.
5
Cybersecurity and Fraud Detection Solutions
Risk audits, PCI DSS guidance, and fraud management frameworks aligned with best-in-class tools and protocols.
6
Training and
Support
Custom training programs, onboarding workshops, and certification support for payment professionals.
7
Virtual Chief Information Security Officer (vCISO) Services
We provide cost-effective cybersecurity leadership, combining strategic governance, compliance guidance, and risk management—delivering executive-level expertise without the expense of a full-time CISO.
8
Strategic Focus Areas
Scalable Technology Implementation: Enable lean, cost-effective deployment of SoftPOS and digital payment systems without hardware dependency.
Ecosystem Enablement: Support underserved segments such as SMEs, micro-merchants, and gig economy participants.
Real-Time Payments & Legacy Modernization: Introduce solutions like Visa Direct and Mastercard Send, and help integrate them with legacy infrastructure.
Industry Partnerships: Collaborate with global acquiring banks, fintechs, payment schemes (Visa, Mastercard, Amex, Discover), and regulators to remain at the forefront of innovation.
Knowledge Sharing: Train and certify 500+ professionals annually while hosting workshops and webinars across the U.S. and abroad.
Partners
