Founder, Paul van der Valk

paul-van-der-valkPaul van der Valk is founder of IN4PAY and is a senior (change) manager and consultant specialised in payments product development and delivery with strong focus on clients and new developments in an international environment.

Previous positions:

  • Partner Payments Advisory Group, Payments Consultancy
  • Department manager payments product management and client delivery at Equens SE
  • Member of the Board of Directors of EACHA (European Automated Clearing House Association)
  • Chair of the steering committee European Clearing Cooperative
  • Senior Engagement Manager Payments for IBM Global Business Services
  • Cluster leader payments / project manager financial services for Capgemini
  • Engagement manager for S1 Corporation


  • Payments as a Service definition
  • Blue print real-time cross-border payments
  • Development and implementation for Payments SaaS services for SWIFTNet Connectivity, PSD2 TSP, Corporate Payments Processing and Bank Connectivity, Anti-Financial Crime, Bank Back-office Payments Processing (Netherlands)
  • Consultancy for a national ACH implementation (South East Asia)
  • Consultancy for a Cards and ATM Strategy (East Europe)
  • Instant Payments impact assessment and training (Europe)
  • Europan product development of Instant Payments (Europe)
  • Implementation of a (SEPA) payments processing engine (Netherlands)
  • Set-up of a new international payments processor (Europe)
  • Developing and executing a payments strategy (Europe)
  • (IT) program/project management
  • Business and product development of innovative payments services (Europe)
  • (Interim) management
  • Presenting at conferences

Payments expertise:

  • Instant Payments / Real Time Payments
  • Clearing and Settlement Mechanisms / Automated Clearing Houses
  • eMandates / OBeP / Request to Pay
  • Payments outsourcing (SAAS/BPO)
  • Payments channels, order management and back office processing
  • SEPA Direct Debit & Credit Transfer
  • SWIFTnet Connectivity

Presentations and articles:

  • Future of Payments Conference – Presentation re Payments Outsourcing (2019)
  • Round table sessions on Instant Payments Use Cases at the Future of Payments (2017)
  • Instant Payments presentation at Robotic Accounting seminar (2017)
  • Payments Paradox, eh what? GT news (2017)
  • SEPA Instant Payments trainer (2016 – 2018)
  • SCTinst: is it SEPA 2.0?, co-writer, VocaLink Whitepaper (2016)
  • Instant Payments presentation, Norrea yearly conference for EDP IT auditors
  • EACHA Payments Forum, payments paradox (2014)
  • Payments delivery case study of a SEPA shared service centre, IBM GBS World Wide Academy (2011)
  • Case study SEPA Payments Shared Service Center, IBM International payments conference 2010
  • Payments transformation Big and Bang or Smart and Smooth, banking and finance (2009)