Contract Payments Specialist (iDEAL & SEPA)

Payments Specialist - iDEAL / SEPA Engagement: Fixed-term, day-rate contract (10-15 days) Reports to: Head of Technology / Engagement Lead Direct reports: None About the Role We are seeking an experienced Payments Specialist to provide focused expertise ahead of a European market launch. The role will assess how an existing credit card customer payment lifecycle needs to adapt to support iDEAL and SEPA Direct Debit through Stripe, while retaining credit card payments as an available option. This is a specification and business analysis engagement, not a delivery or development role. You will analyse the existing payment architecture and customer journeys, identify where iDEAL and SEPA differ from card payments, and produce a detailed implementation-ready specification that the internal software architecture team can translate directly into engineering tasks. Key Responsibilities Review existing payment documentation, payment scenarios and Stripe integration. Analyse the current card payment lifecycle, including Stripe API calls and webhook events. Work with technical, operational and product stakeholders to validate the current state. Define how iDEAL and SEPA Direct Debit should coexist with existing card payments. Analyse payment lifecycle differences, including: Initial payments Recurring payments and renewals Failed payments and dunning Refunds and cancellations Pauses and plan/dose changes SE...