Start Here

Tell us where you are.
We'll tell you how we can help.

The program model, bank terms, and fee structure are going to get defined either way. The only question is whether architecture defines them — or vendor defaults do.

What You Walk Away With

Every engagement produces tangible outputs.

Whether you're designing a new program or restructuring an existing one, here's what the architecture work produces.

Program Foundation
Recommended program model — BaaS, direct bank, PayFac, or hybrid — with the economics case for each option at your target scale.
Economics Analysis
Monetization opportunity assessment — interchange capture rate, float economics, fee structure design, and where your current program is leaving revenue uncaptured.
Compliance Assessment
Compliance gap analysis — what your program model requires, what you currently have, and what needs to be in place before sponsor bank conversations begin.
Bank Partner Criteria
Sponsor bank evaluation criteria — specific requirements your program needs from a bank relationship, so you evaluate banks against your architecture rather than their pitch.
Infrastructure Fit
Infrastructure alignment — which vendors, rails, and platforms fit the architecture you're building, and which create constraints you'll spend years working around.
Launch Sequencing
Go-live roadmap — the decision sequence, partner selection order, and operational milestones required to launch a program that captures the economics it was designed to generate.
1
Tell us where you are
Select your situation below
2
Answer a few questions
Under 2 minutes — form adapts to your situation
3
Get your architecture diagnostic
30 minutes · No cost · No commitment

Step 1 — Select your situation

✓
🏗
Pre-launch
Designing a program. Program model and economics haven't been formally defined yet.
✓
⚡
Post-launch
Already launched. Economics are compressed, compliance surfaced, operating model has gaps — or the program launched but the last-mile operational infrastructure was never completed.
✓
🔧
Infrastructure partner
You're a BaaS provider, processor, or bank with a client who needs architecture support. See how we work with partners →
2
Tell us about the program you're designing
3
We respond within 1 business day — 30-minute architecture diagnostic. We'll pressure-test your program model, identify where economics may be leaking, and tell you what decisions should be made before your next vendor or bank commitment. No cost. No commitment.
2
Tell us about the problem with your existing program
3
We respond within 1 business day — 30-minute architecture diagnostic. We'll identify the structural cause of the problem and tell you what can be fixed and how. No cost. No commitment.
2
Tell us about the client situation
3
We respond within 1 business day — we'll tell you whether and how ExpandUp can support your client's program. No cost. No commitment.
Architecture-first, not vendor-first
No placement fees — ever
25+ years operator experience
We respond within 1 business day