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Payment Optimization

Improving payment performance requires more than technology—it demands deep operational expertise. Led by Piotr Ostrowski, a payments leader with extensive experience scaling fintech and e-commerce platforms across EMEA and North America, we help businesses turn payments into a true growth lever.

What We Do

We optimize payment performance end-to-end—boosting acceptance, reducing fraud and chargebacks, and lowering costs—through hands-on operator expertise and data-driven strategies.

01

Payment Acceptance Uplift

  • Optimize transaction routing and retry logic across acquirers and issuers

  • Deploy adaptive authentication and frictionless 3DS/SCA strategies

  • Leverage tokenization and account updater services for seamless renewals

  • Build issuer engagement programs to address systemic declines

02

 Smart Fraud Prevention

  • Implement risk-based controls and layered fraud defenses

  • Tune existing vendor tools and machine learning models for your business context

  • Enhance device intelligence and behavioral signals without compromising UX

  • Ensure compliance with PSD2/PSD3 SCA obligations across EMEA and North America

03

Chargeback Defense

  • Establish early-warning workflows using alerts and dispute management systems

  • Develop evidence playbooks tailored to scheme requirements (incl. CE 3.0)

  • Improve win rates through standardized documentation and training

  • Support end-to-end chargeback operations to reduce losses and manual overhead

04

Payment Cost Optimization

  • Benchmark and review acquiring and scheme fee structures

  • Identify opportunities to reduce interchange and processing costs

  • Enable smarter routing strategies across acquirers and geographies

  • Support negotiation of PSP contracts, SLAs, and commercials

05

Data & Experimentation

  • Build real-time dashboards and cohort-based authorization analytics

  • Run controlled experiments to test new routing, authentication, and fraud rules

  • Surface BIN-level and issuer-specific insights to improve decisioning

  • Enable actionable reporting that aligns payments with commercial KPIs

06

Fractional Leadership & Vendor Strategy

  • Provide interim or fractional payment leadership for growth and transformation

  • Support PSP/vendor selection, evaluation, and contract negotiations

  • Define long-term product and operations roadmaps for scalable payments

  • Deliver ongoing advisory or retainer-based optimization services

How We Support Payment Optimization

We combine hands-on operator expertise with a strategic, data-driven approach to ensure every aspect of the payment lifecycle contributes to growth. From diagnostic sprints to long-term retainers and fractional leadership, we work alongside your teams to unlock higher acceptance, reduce losses, and lower costs—all while staying compliant with evolving EMEA and North American regulatory standards.

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