Optimising B2B transactions.
Reduce complexity & save with Opt

Simplify. Streamline. Optimise.

About Optal

Many see transaction costs as just another cost of doing business. Not us. We constantly challenge this convention to help our clients save, and even make money from payments.

How? We do it by streamlining your payment processes to reveal and eliminate hidden inefficiencies. Optal frees global companies and marketplaces to transfer funds quickly and securely to almost anyone, anywhere.

Optal has unparalleled experience in developing new, innovative and highly customised payments solutions to meet the specialised needs of myriad clients and industries.

Optimising financial processes means reducing the complex to the critical, so that binary decisions can be made with confidence.

But it’s critical to understand just how complex a situation is to appreciate which components really make a difference.

It’s only by understanding every detail intimately that we truly appreciate the big picture.

Meaningful change comes from a series of small, thoughtful steps. So when we make our boldest decisions, we’re really only doing what makes sense.

Optimise with us.20170216_Financial_Times1000Companies_205_160

Make payments pay their way.


What We Do

Agile, innovative and experienced, Optal occupies the ‘sweet spot’ between slow-moving larger companies and small narrow-focused start-ups that lack influence.

Customer Success Story: Cohort

Optal founded eNett International in the early 2000s and, in conjunction with its joint venture partner Travelport, has built eNett into a leading global provider of payments solutions, specialising in global travel payments.

eNett’s core offering is a Virtual Account Number (VAN) payment solution that automatically generates single-use MasterCard numbers to facilitate payments across the MasterCard processing network, enabling acceptance at 35 million locations worldwide.

By using eNett VANs to make supplier payments, travel buyers and travel providers alike are able to reduce their risk, improve reconciliation and generate financial, data and efficiency rewards.

Optal is the primary issuer of eNett’s innovative MasterCard VANs, making it one of Europe’s leading virtual credit card issuers.

As a long-term strategic partner and principal member of MasterCard, Optal Financial Limited issues and acquires MasterCard-branded payment products, driving its focus on developing and bringing to market game-changing payment solutions. Oriented uniquely towards the business-to-business payments sector, Optal creates value generating opportunities for businesses to reduce operational overheads, simplify operations and potentially transform a cost centre into a revenue stream.

Optal Financial Limited is an authorised eMoney institution, regulated by the UK Financial Conduct Authority. Optal has passported its registration throughout Europe.

Optal Asia Limited is licensed in Hong Kong as Stored Value Facility Issuer (Licence number SVF0006), regulated by the Hong Kong Monetary Authority.

Reduce complexity,
gain efficiency.


Leadership Team

Optal’s Leadership Team speaks with authority and confidence across a spectrum of sectors. With regional and global expertise in finance and payment solutions, and strategic and operational knowledge of business large and small, Optal’s senior people are characterised by innovation, ingenuity and experience.

Rob Bishop
Managing Director

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Rob Bishop

Rob Bishop is considered a global authority on credit cards, payments, retail banking and distribution. Rob has carved a successful career in the financial services sector since the early 1980s, building expertise that covers virtually every element of the consumer business – credit cards, payments, retail banking, marketing, credit, distribution and CRM. He’s been trusted with senior executive positions at NAB, Westpac and Citibank, and has successfully applied his extensive knowledge across several markets including Australia, the US, Japan, Korea and Hong Kong. Rob’s innovation and insight have also been sought by the boards of many Australian public companies and MasterCard International.

Andy Downes
General Manager
Optal Financial Limited

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Andy Downes

Andy brings extensive experience in payments, card processing and banking to the role of General Manager, Europe. Prior to joining Optal, Andy was responsible for growing the Payment Services Division at Raphaels Bank into the largest issuer of e-money in the UK, with 5 million live cards and annual settlements of over £5bn. Previous roles include a number of Executive Management positions in industries such as wholesale banking, performance management and financial software, successfully providing services to some of the largest financial institutions in the world including Citibank, Deutsche Bank and JP Morgan.

Danny Cheung
Optal Asia

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Danny Cheung

Danny has over 25 years of experience in the technology and payment industries in both Hong Kong and Australia in various multi-national companies such as American Express, MasterCard International. He was previously Country Head of MasterCard International in various markets including Hong Kong, Taiwan, South China, and Macau, during which he had introduced various new card products such as Platinum, World, Virtual, Contactless and Payment Gateway Service in these markets. Danny was also responsible to implement the FIRST internationally linked ATM (Cirrus) with Bank of China (BOC) in China. Danny holds a B.Sc and a MBA.

Alex Mills

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Alex Mills

Alex Mills brings global strategic and banking expertise to the key company role of Optal COO. Alex has spent 15 years delivering effective strategic programs for organisations across the financial services, telecommunications, pharmaceutical and consumer goods sectors, including implementing a new banking and payments platform destined to become NAB’s core banking system. As a key member of the PA Consulting Group team, Alex worked intimately with global clients to define strategic opportunities and convert ambition into results. He holds Bachelor (Hons) and Master of Engineering degrees from Brunel University London and a Mastère Spécialisé from Ecole Centrale de Lille in France.

Stuart Will

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Stuart Will

Stuart Will brings a wealth of expertise in senior finance and operational roles across diverse industries to his role as Optal CFO. Stuart has excelled in CFO and Company Secretary roles for the past decade across the financial services, media, retail, manufacturing and industrial services sectors. A Chartered Accountant who holds a Bachelor of Business, Stuart has particularly comprehensive knowledge in business expansion, strategy development, mergers and acquisitions, corporate governance, compliance and improving business process. Having worked closely with private equity consortiums and within an ASX-listed environment, Stuart has been entrusted with senior positions by such respected organisations as PwC and Arthur Andersen.

Adam Olding
Commercial Director & General Counsel

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Adam Olding

With significant knowledge in mergers and acquisitions, joint ventures, corporate governance and business strategy, Adam Olding brings more than 20 years of senior commercial experience to Optal. With Bachelor degrees in Economics and Laws (Hons) and a Master of Arts in Communications, Adam previously held senior positions at two ASX-listed companies: as Director of Corporate Affairs and General Counsel for Southern Cross Broadcasting; and General Manager Legal and Strategy for independent ATM operator Customers Limited. Adam was also previously a senior associate in the corporate advisory group of Corrs Chambers Westgarth.

Board Members

Optal’s Board of Directors is a high-level group of purposeful innovators with global expertise and experience across the financial services and myriad other sectors. Industry leaders in their chosen field, they each bring an extensive record of achievement driven by entrepreneurial vision, insight and knowledge.


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Andre Sekulic

Andre Sekulic has 35 years of global banking and financial services experience and expertise across several continents, including North America, Asia, Africa and Australia. After studying Economics at the University of Sydney, Andre began his impressive career as General Manager at Citicorp Inc., focusing on the consumer bank business, before rising to President of MasterCard Asia Pacific, Middle East and Africa, where he led the building of the brand across multiple regions. In addition to the insight Andre brings to chairing the Optal Board, he chairs the ComGateway internet shopping platform and is a Director of major Asian bank DBS Bank.

Steven Gallagher
Non-Executive Director

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Steven Gallagher

Steve Gallagher has built extensive expertise across many industries and continents in a 25-year (so far) business career. He has lived and worked in Asia, Europe and Australia, performing strongly in General Manager roles for businesses in the industrial automation, power distribution building and ticketing/payment industries. Steve’s vision and knowledge is the driving force behind the success of innovative transport technology solutions provider Vix Technology, which he founded after impressing in the role of Executive Director Operations at ticketing and fare collection specialist ERG. Holding Bachelor degrees in Business (Marketing) and Electrical Engineering (Hons), Steve also contributes his knowledge to the Board of Hong Kong-listed China City Railway Transportation Technology Co.

Non-Executive Director

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Paul Lewis

As Hong Kong-based Managing Partner, Asia for PA Consulting Group, the business grew to seven offices across Asia, with Paul leading major assignments in financial services across many sectors, including retail banking, stock exchanges, energy, transport and telecommunications. While in Hong Kong, Paul was a member of British Telecom’s Global Advisory Board and senior advisory panels with ministerial representation in Hong Kong, Malaysia and Indonesia. Current appointments include Chair of NAB’s Private Wealth Advisory Council and of Growth Mantra, and Non-executive Director of Magellan Financial Group and IPscape. Paul also serves on the Cure Cancer Australia Foundation Board and is the Deputy National Chair for the Australian British Chamber of Commerce.

Non-executive Director

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Richard Gelski

Richard Gelski has excelled in numerous high-level positions over three decades in taxation, corporate and commercial law. With comprehensive expertise in corporate structuring, cross border investment, tax effective financing, capital raising, and mergers and acquisitions, Richard is former National President of the Taxation Institute of Australia and former Governor of the Australian Tax Research Foundation. His advice has been sought on numerous capital raisings and he has been recognised with honorary life membership of the taxation institute and joint chairmanship of the International Division of the New York State Bar Association (Australian Chapter). Richard holds a Bachelor of Laws (Hons) from University of Sydney and a Master of Law from London.

Non-Executive Director

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Leigh Clapham

With major regional and global experience, Leigh Clapham is regarded as an industry leader in the payment and advertising fields. Leigh excelled as Group Executive and General Manager of MasterCard Australia/New Zealand before being elevated to Group Executive for MasterCard Europe, with responsibility for business and market development. Beginning his professional life in advertising, Leigh rose to Managing Director of online and retail specialist Expanded Media Holdings (Cordiant Group) and as Chair of Lintas Advertising, he provided high-level expertise to such global clients as Commonwealth Bank, NEC, Unilever and Coca-Cola. Leigh has also contributed his knowledge to the Boards of Cure Cancer Australia Foundation and the Advertising Standards Bureau.

Non-Executive Director

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Anthony Hynes

Anthony Hynes’ business career is characterised by innovation and entrepreneurial vision. As the founder of Optal, Anthony’s passion for developing innovative global product solutions was the impetus behind the launch of eNett International and eNett’s subsequent joint venture with Travelport. As the CEO of eNett International, Anthony has led that company’s development from start-up to be one of the world’s leading travel payment companies, delivering ongoing exponential annual growth. Anthony brings more than 15 years of comprehensive business strategic and operational knowledge to the Optal Board. He holds a Bachelor of Commerce and a Master’s degree in Business Administration.



Optal is actively seeking new opportunities to grow its issuing and distribution of virtual cards and other payment products. Whether you are looking for an end-to-end payments solution, a high-volume bespoke issuing and settlement arrangement, or something in between, please contact us via the email form below to find out more.

Regulatory Information

Optal Limited is registered in England & Wales No. 5531282. 17 Moorgate, London, EC2R 6AR.

Optal Financial Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Register Number: 900112) for the issuing of electronic money.

Optal Asia Limited is licensed in Hong Kong as Stored Value Facility Issuer (Licence number SVF0006), regulated by the Hong Kong Monetary Authority.

Invapay Payment Solutions Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Register Number: 631411) for the provision of payment services.

Optal Financial Limited, Optal Asia Limited and Invapay Payment Solutions Limited are wholly owned subsidiaries of Optal Limited.

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