2.9% plus 30 cents. On every single transaction. That's not a fee. That's your Christmas party budget.
Optimise today's payments, evaluate tomorrow's infrastructure
——Payment gateway optimisation, digital commerce, and honest blockchain assessment. Financial services background from NAB plus Web3 experience — a rare combination in mid-market consulting.
Payment systems that work for your customers and your margin. For blockchain: honest assessment of where it creates real value versus where it's a solution looking for a problem.
What we deliver
Exceptional results, delivered
Payment Optimisation
Gateway selection, fee reduction, checkout experience — margin recovered.
Digital Commerce
Modern payment infrastructure for how your customers want to transact.
Blockchain Assessment
Honest, hype-free evaluation of where distributed ledger technology makes commercial sense.
Smart Contracts
Where they create genuine value — supply chain, identity, finance — not where they don't.
Payment Gateway Integration
Multi-PSP payment architecture supporting cards, BNPL, digital wallets, and bank transfers. With intelligent routing and failover.
Tokenisation Platform
Asset tokenisation enabling fractional ownership of physical or financial assets. Smart contracts, custody, and compliance.
Subscription Billing Engine
Recurring billing platform handling tiered pricing, usage-based billing, prorations, dunning, and revenue recognition.
Digital Wallet Solution
White-label digital wallet with stored value, P2P transfers, loyalty integration, and contactless payment capability.
Payment Reconciliation System
Automated reconciliation matching payment gateway records against bank statements, accounting entries, and merchant settlements.
Blockchain Proof of Concept
For over a decade, we've been on the forefront of blockchain innovation. Regulatory clarity is opening up new opportunities for global payments.
“Half the blockchain companies from 2021 are gone. The technology isn't. We know which innovations are real and which are a rebrand of something that already existed.
Interactive Assessment
Answer a few quick questions and discover where the real value lies for your organization — and how Whitehot can help you capture it.
What does it actually cost to process a payment?
Do you know your effective payment processing rate (all fees included)?
Start with a conversation
No pitch deck. No proposal. Just an honest conversation about what's possible for your business — and a prototype to prove it.