STATUS:AVAILABLE FOR NEW ENGAGEMENTS
FOCUS:TOKENIZATION · CARD PROCESSING · EMV · SCHEME CERTIFICATION
MODE:REMOTE · GLOBAL

Vyacheslav Rogov

Payment Processing Architect | Tokenization & PCI

Independent consultant for banks and fintechs building or modernizing payment processing — from tokenization and card/terminal kernels to PCI architecture. I help teams get the architecture right before mistakes get expensive — while they still cost hours to fix, not months.

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Areas of Expertise

Tokenization Architecture (TSP)

Token lifecycle, push provisioning to Apple Pay/Google Pay. Issuer and acquirer integration.

Card Network & Scheme Requirements

Technical requirements review, certification readiness, hands-on support through scheme audits.

Card & Terminal Kernels, SoftPOS

Transaction processing after card data exchange. Kernel development per spec — classic terminals and SoftPOS/Tap-to-Phone (PIN-on-Glass, MPoC). EMV extensions.

Processing Platform Architecture

On-prem and cloud deployments, monolithic and distributed/microservice architectures for transaction processing.

Cryptography & Key Management

HSM architecture design, key management, secure storage and rotation of key material. Hands-on work with PQC algorithms (ML-KEM/ML-DSA).

PCI Scope, Multi-Acquiring & Risk Scoring

PCI DSS scope boundary design via tokenization, P2PE, redirects/hosted fields. Multi-acquiring, risk/fraud scoring, 3DS2.

Engagement Formats
Architecture Diagnostic
One-off architecture review of a payment system — at project kickoff or ahead of a modernization effort. Deliverable: a written risk map and concrete recommendations.
from €4,500
2–3 WEEKS · PREPAID
Ongoing Advisory
Continuous access to expertise during the build phase: design review, written answers to your team's technical questions.
from €1,500/mo
8–12 HOURS / MONTH
Ad-hoc Consultation
A single working session or written consultation on a specific question. No ongoing commitment.
€150/hour
ON REQUEST
How It Works
01

Intro call

Scope, constraints, timeline

02

Proposal

Format and pricing for your case

03

Agreement

Simple service contract, clear terms

04

Start

First deliverable within a week

Good Fit / Not a Fit
Applies to the engagement formats described above. Need a different format — let's discuss separately.

Good fit if you

  • Are building or modernizing payment processing and need an independent architecture review
  • Need to design PCI DSS scope boundaries, set up multi-acquiring/routing, or roll out SoftPOS
  • Have an in-house dev team and need expert oversight, not extra hands

Not a fit if you

  • Need a single contractor to own full-cycle development
  • Require 24/7 on-call support after delivery
  • Have fixed contractual deadlines with no room to shift