Payments & Merchant Services
Get paid reliably, at the best possible cost
We set up and manage the payment side of your business — accounts, gateways, routing, risk — and keep working on the two numbers that matter: how many transactions succeed, and what each one costs you.
What's included
Merchant services, set up and managed
- Merchant account setup and underwriting support
- Gateway selection and integration
- Multi-currency and cross-border acceptance
- Recurring billing and subscription flows
- Tokenization and stored-credential handling
- Settlement, reconciliation, and reporting
Optimization
Fewer declines, lower effective rate
Most stores accept their approval rate and their statement as fixed. Neither one is.
- Approval-rate analysis by issuer, BIN, and geography
- Intelligent routing and retry logic
- Network tokens and account updater
- Interchange qualification review
- Rate and fee negotiation with processors
- Ongoing statement audits, not one-time savings
Risk & compliance
Protected without over-blocking
- Fraud screening tuned to your order profile
- Chargeback response and representment
- Dispute-ratio monitoring and alerts
- PCI-DSS scope reduction and support
- 3-D Secure strategy and exemptions
- Reserve and rolling-hold management
Advanced options
Pay the way your customers want to
- Buy now, pay later providers
- Digital wallets (Apple Pay, Google Pay, Shop Pay)
- ACH and bank-to-bank payments
- Local alternative payment methods
- B2B terms and invoicing flows
- Backup processing for redundancy
Every failed transaction is a customer who already decided to buy
A small improvement in approval rate compounds across every order, every month, on traffic you have already paid to acquire. It is usually cheaper than buying more traffic.
We report on approvals, declines by reason, dispute ratio, and effective processing rate — so payments stops being a line item you can't interrogate.
Get a payments assessment
Send us a recent statement and your checkout setup. We'll show you where declines and fees are costing you.