Payments Product Manager / Product Owner / Product Lead £600-700 per day - Umbrella engagement - 6 month initial engagement - 2-3 Days per week on site in LondonOverviewWe''re seeking an experienced Payments Product Owner to lead a critical PSP migration for a retail client, with a strong focus on online and ecommerce payments. You''ll act as the payments SME, ensuring seamless, high-performing customer payment journeys across digital channels.Key ResponsibilitiesOwn the online payments product backlog and delivery roadmapLead requirements and delivery for PSP migration, including APIs, integrations, and cutoverDefine and optimise ecommerce payment journeys (checkout, authorisation, authentication, refunds)Drive improvements in conversion rates, authorisation success, and customer experienceWork closely with engineering, PSPs, gateways, and third-party vendorsEnsure compliance with SCA/PSD2, 3DS, PCI-DSS, and fraud prevention standardsSupport UAT, go-live, and ongoing performance optimisationRequired ExperienceProven experience as a Payments Product Owner / Manager focused on online paymentsStrong track record delivering PSP / gateway migrations in ecommerce environmentsDeep knowledge of:Ecommerce payment flows (checkout, tokenisation, recurring payments)Card schemes (Visa, Mastercard, Amex)Digital wallets (Apple Pay, Google Pay)3DS / SCA / authentication optimisationPayment decline management and retry logicSettlement, reconciliation, and chargebacksExperience improving chec