SPL (Systems People Ltd) is a UK-based consultancy with over 20 years’ experience across all areas of card authorisation and transaction switching. We provide end-to-end project management, systems integration, and bespoke solutions to the card payments and ATM market, with over 30 SPL-developed products currently in use. Our recent work includes PCI compliance, encryption keyblock storage, TR-31/TR-34 secure key exchange standards, and large-scale card authorisation transformation programmes. We were named Best Small Business Supplier by a leading UK building society in 2022.