About us

Afferent Software has built multiple ATM platforms and fully supports and manages one of the most profitable ATM estates globally. We help businesses simplify their ATM processing and optimise the revenues that can be made from their ATM estates.

Afferent Software has been working with leading currency conversion businesses for over 18 years. We have helped automate the sale and purchase of retail foreign exchange across multiple countries for our customers.

We lead the way in rates expertise, being the first organisation globally to enable DCC at ATM in multiple countries. We have built a world leading rates optimisation solution enabling anyone providing cross border transactions (ATM / POS / ECOM) the ability to maximise their revenue and reduce their FX risk.

How Can We Help

Afferent Software team posing for a team photograph in their office.

We take the pain away from managing ATMs and help retail foreign exchange companies maximise their currency conversion revenue whilst protecting their FX risks.

Afferent-Software-Moonshot-Innovation-Innitiative

Our mission is to delight our customers through our high quality products and services enabling long term partnerships and relationships.

Our story

Founded in the UK in 2005 as a payments consultancy offering expert advice and payments solutions, Afferent Software has evolved into a global ATM and foreign exchange rates and automation specialist solutions company with staff in Canada, Europe, India, and South Africa and customers across the globe.

Who we are

Afferent Software team listening to a payments presentation at their head office.

Our Professional Services team is responsible for the set up, support, management and technical development of one of the most profitable ATM estates in the world. We specialise in Postilion ATM consultancy but have ATM experts at both a hardware and a software level.

Our Payavon brand encompasses our software solutions that help our customers make the most out of their ATM estates.

Our expertise in Forex and Dynamic Currency Conversion led us to build our two flagship Payavon DCC API and DynamicRatesEngine cloud-native platforms. These offer the most optimal exchange rates for our customers and enable them to maximise their revenue from DCC or any cross border payment. We’re currently supporting over 8,000 ATMs and 1,500 retail desks globally with their rates requirements.

Our Payavon automated ATM testing solution enables our customers to drastically cut ATM testing times and costs and improve overall project quality.

We help businesses gain insights into Visa and Mastercard scheme settlement files through our Payavon InsightOptix toolset allowing customers to understand profitability / risk and trends on their POS / ATM / ECOM business.

We thrive on delighting our customers.

Modern digital systems aren’t as easy and intuitive as they should be, so we work closely with our clients to develop integrated solutions that solve the many challenges of building, testing, and running payment software systems. Our products team specialises in creating tools that make payments systems simpler, more efficient, and more intelligent; our services team focuses on building long-lasting partnerships with our clients through solutions that directly improve business outcomes.

In 2023, we launched our Payavon brand to specialise in simplifying financial transactions and increasing profitability for companies via SaaS solutions that can be rapidly integrated and deployed.

Laptop showing the Payavon by Afferent Software home page.

We aim to be the obvious choice for all payment testing and monitoring solutions and bespoke payments software for the global market.

What makes Afferent different

Unrivalled specialisation and expertise in ATM solutions, automated foreign exchange and rates management.

A commitment to delighting our customers. We work in partnership with our customers’ teams.

In-house development and engineering teams that keep us agile and capable of finding innovative solutions where none currently exist.

An innovation lab that never stops building and improving solutions for our customers.

What we believe

Our people and close interactions with our customers are key to our success. This can’t happen without our teams working hand in hand with our customers in partnership. Afferent is shaped by 4 key values that we live by:

Innovation

Integrity

Passion

And most of all we always strive to delight our customers

Afferent Software payments innovation team celebrating together at their head office.

Leadership

Graeme Tankard

Founder and CTO

I love finding elegant technical solutions to complex problems and working with teams to make them a reality. Seeing our products being used around the world, and the impact it has for our customers, gives me a lot of satisfaction. What I bring to Afferent is a deep understanding of payments ecosystems, an ability to find creative solutions to difficult problems, and a genuine desire to unlock the potential within technical teams.

Dan Gilby

CEO

Having spent 35 years innovating within the ATM and Banking and Foreign Currency Industry I am now really pleased to have the opportunity to work with and lead the Afferent team. I look forward to helping enhance and scale the products already within the portfolio and continue to build new world class innovative products for our customers across the globe.
Delighting customers has been a core value for the Afferent team for many years and something the business will continue and strive to do for years to come.

Afferent Software COO smiles into camera.

Amber Kisch

COO and acting CFO

I’ve been in the Payments industry my whole career, having started out as a Software Developer for ACI before I moved into project management and team management. I have worked in many interesting roles but none so challenging and wide-open to make as my own as what I do here. I like to think that the uniqueness I bring to Afferent is perspective, courage, attention to detail and nuance from all that I’ve seen and done in this interesting market that we operate within.

Curious to learn more?

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