Consumers are increasingly moving from cash to digital payment methods, e.g.
digital wallets, cards, QR codes, etc. While this is great for consumers, the
fragmentation and complexity is an ongoing challenge for organisations. In addition,
fraud is on the rise and this directly impacts the bottom line of the business.
From challenges
to opportunities
With these challenges come opportunities for organisations to improve efficiency, and expand customer reach while continuing to safeguard the payments process from
various threats.
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āOptimisation and Value add – implement smart and least cost routing, consider offering multi-currency feature.
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Combat fraud – leverage fraud tools and secure customer authentication. Payment Integrity – use automation to monitor and reconcile every step of the payment value chain.
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Data – utilise data drive efficiency, improve customer insight and feed innovation.
Australia's $25.5B B2B Payments Market is Transforming
Australia's payments landscape is undergoing its most significant shift in decades. The rollout of the New Payments Platform (NPP), the Consumer Data Right (CDR) open banking framework, and the global migration to ISO 20022 messaging standards are fundamentally changing how businesses send, receive, and reconcile payments.
For B2B organisations, this transformation presents both a compliance obligation and a competitive opportunity. Businesses that modernise their payment infrastructure now are reducing processing costs, accelerating cash flow, and unlocking new revenue streams through real-time data. Those that delay risk falling behind as counterparties and regulators demand faster, richer, and more transparent payment flows.
Conexxia has been at the centre of Australia's payments transformation — advising banks, fintechs, insurers, telcos, and travel businesses on payment strategy, platform selection, and end-to-end implementation. Our payments consultants bring hands-on experience across NPP, open banking, ISO 20022, and NDC payments — translating complex regulatory and technical requirements into clear, actionable roadmaps for Australian businesses.
40%
average reduction in payment processing costs
99.9%
transaction accuracy post-implementation
6 wks
average NPP onboarding timeline
100%
CDR compliance rate across all engagements
Functions of
Payments Consulting
Business
Engagement
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Stakeholder engagement
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Communication and engagement plans
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Change network
Business
Readiness
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āChange impact analysis
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Change readiness assessment
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Organisation alignment
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Training plans and delivery
Business
Adoption
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Measures or success
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Support and monitoring
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Adoption plans
Our Service Offerings
We are specialised in developing strategies for digital payments innovation, payments integrity & reconciliation and payments infrastructure.
We upgrade, migrate and integrate payments technology solutions to enable payments orchestration layers and e-commerce capabilities.
Retail and Digital Payments
Australia's retail payments ecosystem is evolving rapidly — from traditional card payments to digital wallets, QR codes, BNPL, and real-time account-to-account transfers via the NPP. Conexxia helps retailers and digital businesses navigate this complexity, implementing payment solutions that reduce checkout friction, lower processing costs, and support new payment methods without disrupting existing infrastructure. We cover payment gateway selection, NPP integration, and multi-currency capability for businesses operating across Australian and international markets.
Payment Integrating & Reconciliation
Payment errors, failed transactions, and reconciliation
gaps cost Australian businesses millions each year. Conexxia
designs and implements automated payment integrity frameworks
that monitor every step of the payment value chain — from
authorisation through to settlement and reporting. Our
reconciliation solutions connect payment platforms, core
banking systems, and ERP tools to eliminate manual matching,
reduce exception rates, and give finance teams real-time
visibility over payment accuracy and exception management.
Payment Infrastructure
Ageing payment infrastructure is one of the biggest barriers
to growth for Australian financial institutions and
enterprises. Conexxia delivers end-to-end payment
infrastructure modernisation — covering gateway migration,
processor integration, payment orchestration layer design,
and e-commerce capability uplift. Whether you are replacing
a legacy payment platform, connecting to NPP, or building
a multi-rail payment architecture, Conexxia provides the
technical depth and delivery capability to execute without
business disruption.
Airlines
Airline payments are among the most complex in any industry
— spanning BSP settlement, direct payment channels, NDC
offer and order management, ancillary retailing, and multi-
currency reconciliation across global markets. Conexxia
brings specialist expertise in airline payments consulting,
covering IATA and ARC standards, BSP transition planning,
NDC payment flow design, ONE Order implementation, and
Passenger Service System (PSS) payment integration. We help
carriers reduce distribution costs, accelerate settlement,
and build the payment infrastructure that modern airline
retailing requires.
Travel Industry
Travel businesses face unique payments challenges — managing
payments across airlines, hotels, car hire, and loyalty
programmes, often across multiple currencies and settlement
timelines. Conexxia delivers bespoke payments consulting for
travel management companies (TMCs), online travel agencies
(OTAs), and loyalty programme operators. Our recent travel
engagements include voucher and redemption roadmap design
for loyalty programmes, common payment solutions across
airline and leisure products, and virtual card integration
for corporate travel payment automation.
Value Add
Beyond core payment processing, Conexxia helps businesses
extract maximum value from their payments infrastructure
through targeted optimisation and analytics. Our value-add
services cover least-cost routing and smart routing
strategy, multi-currency pricing (MCP/DCC) optimisation,
fraud prevention framework design, chargeback management,
and payment data analytics. We work with businesses to
identify revenue leakage and cost inefficiencies across
the full payment value chain — and build the operational
processes to address them systematically.
NDC Payments Consulting for Airlines & Travel
The shift to IATA's New Distribution Capability (NDC) standard is one of the most significant changes to hit the airline and travel industry in a generation. NDC moves airline distribution away from legacy GDS systems toward direct, API-based offer and order management — fundamentally changing how flights are priced, sold, and settled.
For airlines, travel management companies (TMCs), and online travel agencies (OTAs), NDC introduces a new layer of payments complexity. Offer and order-based retailing requires payment flows to be redesigned from the ground up — replacing traditional ticketing and BSP settlement models with direct payment orchestration, virtual card integration, and real-time settlement across multiple currencies and jurisdictions.
Conexxia's NDC payments consultants help airlines and travel businesses navigate this complexity. Our services cover:
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NDC payment flow design — mapping offer-to-order-to-settle payment architectures for direct and indirect channels
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Virtual card & lodge card integration for corporate TMC payments
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BSP transition planning for airlines moving to order-based settlement
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Payment gateway selection for NDC direct booking environments
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Reconciliation automation for multi-currency NDC transactions
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Whether you are an airline building your NDC direct channel, a TMC integrating with NDC content sources, or a technology provider building NDC payment infrastructure, Conexxia brings the payments and distribution expertise to accelerate your programme and reduce implementation risk.
Australia's aviation sector is at an inflection point. Carriers including Qantas and Virgin Australia are progressing NDC adoption, and corporate travel programmes are increasingly demanding NDC-sourced content. Now is the time to build the payments infrastructure that NDC requires.
