Nth Exception is a specialist payments Consultancy and Technology firm located at the heart of the global financial hub, London. We help payments players capture opportunities in a fast-changing environment. Our payments-anchored capabilities assist banks in giving their corporate and financial institution customers more efficiency in, control over and value from payments. 


The evolution of the payments industry continues to be driven by changes in technology and customer behaviour. We work with clients to help them keep pace and capture the opportunities inherent in this shifting landscape. 



Our network is best in class partners across the globe serving banks, credit card companies, transaction processors, payments cooperatives, technology firms, and non-banks on issues ranging from overall payments strategy and implications to retail payments services, cash management, and payments technology.


We bring a breadth of expertise to our work with clients, starting at the top with an integrated cross-institution payments strategy and developing responses to the rapidly changing payments landscape. 



Our tried and tested methodology ensures the timely delivery of your SWIFT gpi solution and ISO20022 implementation. As a trusted liaison between PayTech and your institution, we provide you valuable project oversight; report on dependencies, progress, issues, and corrective actions. 

Specialists in SWIFT messaging, ISO 20022 and alternative payment methods, we work with customer organizations globally, helping them navigate around complex messaging standards and the intricate requirements of different schemes and market infrastructures, enabling them to better manage uncertainty, improve business connectivity and continuity, reduce operational costs and eliminate barriers to profit, in the fast-changing payments world.

We do this through a combination of: 


a) Consulting on capabilities including ISO 20022, SWIFT CBPR+, SWIFT gpi and Digital Currencies.  


b) Technology services covering ISO 20022 migration, Real-Time Payments, Request to Pay, Wallets, Open Banking and BaaS / Composable Banking, leveraging aligned partner products.

Leveraging our experience, we assist you with the best practices applied within the industry, thereby mitigating risks. 

The on-site only service offers are best equipped to help you define a comprehensive roadmap for SWIFT gpi and ISO20022 implementation that will ultimately reduce the overall effort. Reduced lead time between the subscription date and the go-live date makes a positive impact on your capacity to advertise and gain momentum in a fast-evolving market. 

We at Nth Exception also perform a detailed review of the bank’s cross border payment processes, costs, skills, and the effort required for successful deployment thereby optimizing the staffing, staff knowledge, bringing in cost efficiencies, and improving Service Level Agreements (SLAs) for banks to deliver value propositions to their customers.  


Why Choose Us?


Sometimes we are too close to the problem to see it, or simply don’t have the bandwidth or the skill-set to solve a complicated yet simple problem.  

We Stabilize, then Optimize your processes, train your people, and change your culture to sustain the gain. 
We offer an unrelenting dedication to partnering with clients and shaping their payments businesses for the better and working together to positively transform the experience of the Human behind the payment.