Full job description

Payments Product Manager / Product Owner / Product Lead £600-700 per day - Umbrella engagement - 6 month initial engagement - 2-3 Days per week on site in London
OverviewWe’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.
Key Responsibilities*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
Required Experience*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
Desirable*Experience in high-volume online retail / ecommerce platforms
*Exposure to payment orchestration / multi-PSP setups
*Knowledge of APMs (PayPal, Klarna), Open Banking, or BNPL
Success Looks Like*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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