Payments Product Manager - Online Payments

£600-700 per day - Umbrella engagement - 6 month initial engagement - 2-3 Days per week on site in London

We're seeking an experienced Payments Product Owner to lead a critical PSP migration for a retail client, with a strong focus on online and ecommerce payments. You'll act as the payments SME, ensuring seamless, high-performing customer payment journeys across digital channels.

• Own the online payments product backlog and delivery roadmap
• Lead requirements and delivery for PSP migration, including APIs, integrations, and cutover
• Define and optimise ecommerce payment journeys (checkout, authorisation, authentication, refunds)
• Drive improvements in conversion rates, authorisation success, and customer experience
• Work closely with engineering, PSPs, gateways, and third-party vendors
• Ensure compliance with SCA/PSD2, 3DS, PCI-DSS, and fraud prevention standards
• Support UAT, go-live, and ongoing performance optimisation

• Proven experience as a Payments Product Owner / Manager focused on online payments
• Strong track record delivering PSP / gateway migrations in ecommerce environments
• Deep knowledge of:
  • Ecommerce payment flows (checkout, tokenisation, recurring payments)
  • Card schemes (Visa, Mastercard, Amex)
  • Digital wallets (Apple Pay, Google Pay)
  • 3DS / SCA / authentication optimisation
  • Payment decline management and retry logic
  • Settlement, reconciliation, and chargebacks
• Experience improving checkout conversion and payment success rates
• Strong Agile delivery and stakeholder management experience

• Experience in high-volume online retail / ecommerce platforms
• Exposure to payment orchestration / multi-PSP setups
• Knowledge of APMs (PayPal, Klarna), Open Banking, or BNPL

• Seamless PSP migration with no impact to checkout performance
• Increased online payment conversion and authorisation rates
• Reduced cart abandonment linked to payment issues
• Optimised, low-friction digital payment journey

Reasonable Adjustments:

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