Card Payment Specialist

In 2008 I decided to change my career: after working eight years for a manufacturing company, I felt that my career would be better served if I joined a company in a forward-looking growth industry. As it happens, Dublin is home to a cluster of (card) payment companies.

I joined Realex Payments, a fast-growing e-commerce card payment gateway. When I started it was still a small company, albeit with a strong position in Ireland. I helped its development into an industry leader by building up a strong team managing large and corporate clients: hiring people, introducing procedures, establishing KPIs, setting up a training program and a knowledge base. This enabled Realex to win and keep large clients and break into the UK market, where I established a second team.

In 2015 it employed 170 people and was sold to Global Payments for over €100 million. I finished working for Realex Payments in 2017. As I had developed a lot of specialised knowledge, I decided to stay within the industry and did consultancy work for a Dublin-based company, advising them on their options for their card payment strategy. 

Later that year I was hired by Elavon, an acquiring bank. By adding experience in the back-end finance-focused payment processing to my 9 years working in the front-end IT gateway business, I have built up a complete end-to-end knowledge of the card payments industry.

In Elavon I quickly became a PSD2 Champion, the EU legislation whose implications have dominated the card payments industry in the last few years. You can read more about PSD2 in the Card Payments sections of this website. I have also written a white paper on best practices for card payments in the car rental industry, one of the most complicated when it comes to card payments. This has helped me to move recently to a new role in Elavon, that of Payments Strategist – Europe.

On this website, I am sharing some of my knowledge, as well as giving some background information on myself.

About Card Payments

In this section, you will find articles on various areas of the card payment industry.

A note of caution however: these articles were written over the course of a number of years, and were not updated for later developments.

  • PSD2 in Simple Language

    PSD2 in Simple Language

    PSD stands for Payment Services Directive. Unlike most regulations that people in the card payment industry are familiar with, these are not scheme rules (rules created by Visa, MasterCard, AMEX, etc.), but European legislation. This is why merchants cannot negotiate …
  • 3DS Explained

    3DS Explained

    When you are paying in a shop with a credit or debit card, you will be asked to insert your card into the terminal and enter your PIN. This PIN is stored on the chip on your card and the …
  • Payment Methods

    Payment Methods

    There are 3 basic ways of getting paid, cash, paper (cheques, postal orders, etc.) and digital (direct debit, bank transfer, card, or wallet). The first two have the disadvantage of being physical, which means there is a high cost of …
  • Choosing Payment Methods

    Choosing Payment Methods

    The criteria you should use to decide on which payment methods are best for you are: 1. Markets 2. Type of payment 3. Cost 4. Risk 5. Reconciliation. 6. Other factors Markets First of all, markets mean countries. A Payment …
  • Card Payment Process Flow

    Card Payment Process Flow

    Payment card processing (whether using a debit or credit card) is the process of reserving and taking funds from a cardholder’s card and crediting the merchants’ account with these funds. The merchant can carry out this process by sending transactions …
  • Timeline of an Authorisation

    Timeline of an Authorisation

    How long is an authorisation valid? If you make a card sale via a standard authorisation (called “final authorisation) you should settle and the end of the same day. Pre-Authorisations are valid for 30 days (MasterCard) or 31 days (Visa). …
  • Pre-Authorisations


    Merchants should authorise and settle for exactly the same amount. If they do not know the exact amount, they should use a pre-authorisation . A pre-authorisation is basically an estimate of the amount the merchant believes will be owed at …
  • Who is Who

    Who is Who

    An overview of the different participants in the payments process.  Merchants This is you. You must have a Merchant Services Agreement with an acquiring bank with which a Payment Processor is certified as a Payment Services Provider.  Also, the merchant …
  • Choosing a Gateway

    Choosing a Gateway

    What are the main deciding factors for choosing the right gateway for your business? Cost Overall transaction processing fees consist of acquiring fees (which include fees for the card schemes and card issuers) and gateway fees. It should be noted …
  • Choosing Your Acquirer

    Choosing Your Acquirer

    Definitions Inter-regional Transaction A transaction where the Issuer of the card used is located in a different Visa/MasterCard Region to that of the Merchant. Intra-regional Transaction A transaction where the Issuer of the card used is located in the same …
  • Reconciliation


    This often gets neglected when setting up new payment systems. As a result your finance department often spends a considerable amount of time ensuring that all payments are reconciled. Batches Batches are the payment instructions to the bank. This should, …
  • Chargebacks and Fraud

    Chargebacks and Fraud

    What are chargebacks? It is a reversal or unpaid transaction in the card processing space that results in the removal of a transaction amount from the merchants’ account. In most cases (there are exceptions), the end customer initiates the chargeback. …
  • PCI


    Superseding Visa’s Payment Application Best Practices (PABP), The Payment Card Industry Data Security Standard (PCI DSS) is a global set of security best practices which, when implemented correctly, will assist adhering parties in protecting their systems and help maintain the …
  • Keeping Card Holder Data & Keeping Them Up To Date

    Keeping Card Holder Data & Keeping Them Up To Date

    NEVER keep all your customer’s Card Holder Data just because you can. The best practice is that you only keep card data if there is a good business justification for it. So, don’t keep them for clients who buy a …


Born in The Netherlands, I have lived and worked in Ireland for the past 25+ years.

An experienced Senior Manager.

I have demonstrated excellent Account Management, General Management, and People Management skills in multinational environments. I have developed new teams and new markets and successfully managed key client relationships through an enterprise-wide client management strategy. As a leader, I have developed a strong culture of continuous service excellence. I am very commercially focused and have a track record of achieving revenue and margin targets.

A Payments Specialist.

I have extensive payment experience; both commercially and technically. I am a recognised expert in e-Commerce, PSD2, scheme rules, and many other areas of the payment industry.


Payments Strategist (Europe) – Elavon Merchant Services (2021 – current)

International Corporate Relationship Manager – Elavon Merchant Services (2017 – 2021)

Elavon is one of the leading acquirers in the world. Its European division offers a pan-European service. Over the last years, it has invested heavily in expanding its offering with new terminal solutions, gateways, etc. I am a PSD2 champion and e-Commerce expert within the company.

Head of Enterprise Account Management – Realex Payments (2009 to 2016)

Realex Payments is a leading European payment gateway enabling companies to take credit and debit card payments in a customer not present environment. When I joined it was just coming out of its start-up phase. It was acquired by Global Payments for over EUR 100m in 2015.

Customer Service Manager – Burgmann Packings (2001 to 2008)

Burgmann Packings is a multinational manufacturer of seals for industrial pumps and valves. It had manufacturing facilities in Ireland, Turkey, and China and employed 270 people.

Education & skills

Master in Business Economics (1991)
Tilburg University, The Netherlands

Post-graduate study in Export Management (1994)
Fenedex, The Netherlands

I am PRINCE2 certified (practitioner level) and have also attended courses on business accounting and digital marketing.

I am fluent in English, German, and Dutch.

About Me

I was born in Tilburg, The Netherlands in 1968. I attained a Masters Degree in Business Economics in 1991. After graduating I was conscripted in the Dutch Army. I opted for a slightly longer conscription period to become a Second Lieutenant in the “S2” section, which dealt with defensive intelligence. Subsequently, I completed a post-graduate Export Management course before starting my first job, in the marketing department of a professional catering equipment company.

My wife, Jillian, is from Ireland. In the early nineties, she worked in Brussels for a few years. We met at a birthday party of a mutual friend, who also lived in the Belgian capital. For a few years, I spend almost every weekend driving between there and Tilburg, where I still lived. When she finished her contract, she wanted to return to her native Ireland. I decided to join her. This was in 1996. We were married in 1997.

As you have been able to read above, since 2009 I have been developing my skills as a card payment specialist. I also support Jillian in the running of her businesses (a governance consultancy and a professional family history research company) in the areas of finance, social media, and websites.

Privately, I have immersed myself in Irish life and got involved in several voluntary organisations. I am an active member of a political party, current Chairman of my local resident’s association and am contributing to a local history society. You can read more about my activities by following the links below.

I also enjoy reading, travelling, tending to my garden and writing. Examples of the latter are:


Please contact me via the below form.