Payments in the Americas

Payments are becoming smarter, more embedded—and more strategic

Across North America and Latin America, payments are moving beyond transaction processing. Embedded finance, real-time rails, agentic payments, new payment methods, and rising merchant expectations are reshaping where value is created and captured, while commoditization and cost pressure challenge legacy pricing and go-to-market models.

Simon-Kucher helps payment providers, banks, fintechs, merchants, and technology platforms turn these shifts into profitable growth—choosing where to play, designing differentiated propositions and partnerships, monetizing value through pricing and packaging, optimizing customer journeys, and enabling commercial teams to execute.

Services & capabilities

01

Data-driven pricing programs
Pricing architecture, willingness-to-pay, payment economics, optimization, and discount governance

02

Go-to-market strategies
Market sizing, segmentation, value proposition, market entry, and channel/partner strategy

03

Cross and up-selling optimization
Portfolio penetration, value-added services, account prioritization, and cross-/up-sell

04

Customer journey management
Onboarding, checkout conversion, payment-method mix, retention, and customer experience

05

Digital monetization strategies
Embedded payments and digital/AI monetization, pricing, packaging, and business cases

06

Sales effectiveness and enablement
Implementation and execution support: sales process, incentives, account planning, value selling, negotiation, training, and KPIs

Speak with our specialists

How we've helped in the Americas

US bill payments: Pricing actions and sales enablement

One of the largest bill payment companies in the US was facing rising costs of payments.

Integrated payments: Tiered packaging to boost adoption

How rethinking the approach to monetization helped a membership management platform attract more customers and grow revenue.

Embedded finance: Packaging and pricing for growth

Smarter go-to-market offer for a restaurant software company with embedded finance

Insights

Our latest thinking on strategy, growth and market disruption.

United States

Sep 07, 2026 | Blog

From value creation to value capture

Financial Services Fintech & Payments

Embedded Finance: How to unlock a $800 billion opportunity_updated

Aug 04, 2025 | Blog

The new growth map for digital payments