Vendor-neutral advisory for PSP selection, fraud optimization, routing, compliance, and cost reduction. No referral fees. No hidden agendas. Just honest guidance.
We cover the full payment stack — from provider selection to ongoing compliance. Every engagement is scoped to your specific situation.
End-to-end provider evaluation, commercial benchmarking, and contract negotiation.
Scoring model calibration, threshold tuning, 3DS strategy, and false decline recovery.
BIN-level routing, multi-MID strategy, cascade logic, and authorization rate uplift.
VAMP, ECM, HECM, and EFM monitoring, root cause analysis, and remediation planning.
Local payment methods, FX strategy, interchange audits, and acquirer fee benchmarking.
Most PSP selection processes are driven by whoever responds fastest or has the best sales team. The commercial negotiation is led by teams with no benchmark data. We change that — with structured evaluation, real market knowledge, and commercial leverage.
We've seen businesses pay materially more than peers of identical size and profile, purely because they didn't have benchmark data going into a negotiation.
Current setup review, pain points, growth plans, technical constraints.
Provider landscape mapped against your requirements. 4-6 shortlisted providers with clear rationale.
Structured RFP, provider communication, demos, and evaluation scorecard.
Benchmark-driven analysis. Identify negotiation levers and lead commercial discussions.
Structured recommendation with full commercial comparison. Contract review and term negotiation.
The real cost of fraud prevention isn't fraud losses — it's false declines. Legitimate customers blocked by over-aggressive rules cost merchants far more than actual fraud. We calibrate your scoring models, tune thresholds, and design risk-based authentication strategies that protect revenue while controlling fraud.
False decline recovery is almost always a bigger revenue opportunity than fraud reduction itself. We start there.
Gather fraud, decline, and chargeback data. Establish current false positive and false negative rates.
Review every active rule, score threshold, and automation. Identify over-aggressive blocks and gaps.
Design risk segmentation by product type, channel, geography, and customer cohort.
Deliver prioritised recommendations with expected revenue impact for each change.
Support implementation with your fraud tool vendor. Monitor results and iterate.
At scale, routing decisions have enormous commercial impact. A 1% auth rate improvement on $100M in volume is $1M in recovered revenue. We design BIN-level routing logic, multi-MID strategies, and cascade architectures that maximise approval rates while minimising cost.
1% auth rate improvement on $100M volume = $1M recovered revenue. Routing is the highest-leverage optimisation most merchants aren't doing.
Analyse current approval rates by BIN, region, card type, and amount. Identify decline patterns.
Map current processing costs by route. Identify domestic vs cross-border opportunities.
Design BIN-level routing rules, cascade logic, and fallback strategies.
Evaluate orchestration layers vs native PSP routing. Build-vs-buy analysis.
Support implementation and establish monitoring dashboards for ongoing optimisation.
Card network monitoring programs are the enforcement mechanisms Visa and Mastercard use to manage dispute and fraud rates across the ecosystem. Exceeding thresholds triggers fines, restrictions, and potential account termination. We help merchants understand their exposure, identify root causes, and build remediation plans.
Visa VAMP replaced VDMP and VCMP in April 2025. Merchants in the excessive tier face fines up to $25,000 per month and potential account termination.
Calculate dispute ratio, fraud ratio, and transaction counts against each program's methodology.
Break down dispute and fraud sources by reason code, product, channel, and customer segment.
Design targeted interventions — refund policies, fraud rules, 3DS strategy, descriptor clarity.
Support conversations with your acquirer on remediation timelines and program exit plans.
Establish monitoring cadence and early-warning thresholds to prevent re-entry.
International expansion and cost optimization are two separate but related problems. We help merchants navigate local payment method strategy, FX optimization, interchange audits, and acquirer fee benchmarking — whether you're entering new markets or reducing costs in existing ones.
We routinely see an 8-20% gap between what merchants pay and what comparable businesses pay for identical processing. That gap closes with data.
Map current processing costs by market, card type, and acquirer. Identify expansion opportunities.
Analyse interchange qualification, scheme fees, and acquirer margins line by line.
Design payment method mix by market based on consumer preference and conversion data.
Recommend acquirer strategy by market. Analyse FX margins and settlement currency options.
Lead or support commercial discussions with benchmark data and peer group comparisons.
Every business is different. All pricing is scoped to your specific situation — reach out and we'll find the right fit.
A focused engagement to audit your current payment setup, identify gaps, and deliver a prioritised roadmap.
A deep-dive into your fraud exposure, chargeback rates, and risk controls — with a concrete reduction plan.
End-to-end support for evaluating and selecting the right payment provider — from RFP to recommendation.
Ongoing access to senior payment expertise — ideal for businesses that need a trusted advisor month to month.
Combine an initial project with ongoing retainer support — the most effective way to drive change and sustain it.
For businesses with complex, multi-market, or multi-workstream needs. We scope the engagement together.
Dedicated senior advisory for large-scale payment transformations and complex compliance challenges.
Start with a free 30-minute call — we'll figure it out together.