About us
PSP Angels an independent payment consultancy firm, with an unbiased and honest approach.
We believe that payment and banking affects every part of the operation and should be considered a standalone function—an essential element of the business strategy, not just a part of finance.​
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Our Expertise
We understand and know the industry well. As the leading payment consultancy firm, we are setting new standards of excellence and innovation in the banking and payment industry.
Our dedicated team of experts maintains strong relationships with various banks and payment providers worldwide, ensuring you receive the latest insights about the best possible payment and banking options on the market.
mission
Our mission is to offer the necessary guidance, unparalleled market insights, and tailored payment strategies to optimise your operation. We help you to be at the forefront of the online payment landscape, continuously identifying opportunities, mitigating risks, and delivering exceptional solutions.
vision
Our aim is to make banking and payments easy.
Our vision is to revolutionize the payment industry by simplifying the complexities and educate businesses about compliance and the rules of international banking.
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Our Founder
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Viktoria founded PSP Angels out of frustration of not having the answers to the most basic payment questions.
​​With over 20 years of experience, Viktoria focuses on complex cases.
She developed the Soltesz Payment Framework which is used by international companies worldwide.
She also established the Soltesz Institute, which is the leading, independent certification body for the payment and banking industry.
Viktoria is also the founding partner of a corporate advisory partnership with a focus on mergers & acquisitions, and partner of a boutique consultancy firm in Malta, which is aimed to improve the payments processing infrastructure for the iGaming industries.
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Viktoria also sits on the advisory board for various payment and financial institutions.
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She is a Certified Trainer and used to lecture at the University of West London and is a well known speaker in various industry conferences and summits.
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She is also an author, sharing her expertise and advice in the book 'Moving Money - How Banks Think', which was on the Amazon bestseller list and can be purchased on any Amazon marketplace.
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She was Awarded as the BusinessWoman of the Year 2023 and Payment Consultant of the Year 2024.
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Investment advisors are required to obtain a license because their advice can have serious consequences - if they give bad advice, people can be scammed or lose significant amounts of money, which is detrimental to society.
This regulation is in place to protect companies and individuals from harm and to ensure that those giving financial advice have the necessary qualifications and experience.
However, in the banking and payment sectors, anyone can claim to be an expert and offer advice without having the relevant qualifications or experience.
This lack of regulation is concerning because it allows unqualified individuals to give potentially harmful advice. Banking and payment are not an investment, but it is about the movement of money, so it can also be very harmful if not executed properly by an expert.
We have seen several times that companies engage a "payment expert" and believe they are receiving unbiased guidance from someone who understands the market, however, in reality, they could be falling into the trap of a smooth-talking salesperson.
Salespeople want to sell, and if the proclaimed "payment expert" is working for a bank or a payment service provider business, chances are the advice is not independent nor ideal, as sales have an embedded interest in giving expert advice that steers clients toward their specific banking or payment solutions instead of considering what is truly best for the client. This is truly harmful and damaging, similar to the damage caused by unqualified investment advisors.
Clients could end up using unsuitable payment methods or banking solutions, leading to financial losses or operational inefficiencies. Similar to investment advice, it’s essential to protect people from the harm that can come from unqualified or biased advice in these critical areas.