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How FinSet works

Whether it's payments, a brokerage or both, we work out where you are and where you're going, do the work end to end, then keep optimizing it alongside your team, 24/7.

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The engagement

  1. AuditEvery market mapped within 48 hours
  2. ImplementOne market or the full stack
  3. OptimizeAlongside your team, 24/7

Three steps to start.

  1. Audit

    Send us your current provider setup and anonymized transaction data, with no client personal details. Within 48 hours, we map every market you target and show you where you're losing revenue.

    We look at

    • Failed deposits and their causes
    • Missing local payment methods
    • Local acquiring
    • Approval rates and costs, per market

  2. Implement

    Start with one market or the full stack. You choose where we begin.

    We set up

    • Routing, cascading and retries
    • Providers and MIDs sourced, negotiated and onboarded
    • Local payment methods
    • The first A/B tests

  3. Optimize

    We optimize alongside your team, market by market, on your gateway or ours.

    Running 24/7

    • Monitoring and alerts
    • A/B testing
    • Routing and provider management
    • Reporting on revenue recovered

01 · Audit

Every market, mapped.

Within 48 hours of receiving anonymized transaction data, with no client personal details, we map every market you target against your current providers and show you where you're losing revenue:

  • Local acquiring: where cards should be acquired locally, to reduce cross-border costs and raise approval rates
  • Local payment methods: which ones your clients use there, and where your coverage has gaps
  • Approval rates: how each provider performs there, and where deposits fail
  • Costs: effective cost per market, including cross-border, FX and other hidden fees

Then we show you the provider mix we recommend for each market.

02 · Implement

Every provider, live.

Once you choose where we begin, we put the providers and rails in place:

  • Providers: approached for your vertical and markets, commercials negotiated, and offers brought to you to sign
  • Onboarding: applications managed through the approval process, MIDs provisioned, integrations completed and settlement set up
  • Routing: rules, cascading and retries configured, on your gateway or ours
  • Structure: entity or license changes, where a provider requires them

Then we optimize alongside your team, 24/7.

See how a brokerage setup runs

Down to the detail, around the clock.

You optimize marketing by country, channel and campaign. We bring the same discipline to your payments.

  • Analyze

    • Every failed deposit, by issuer, BIN, card type, decline code, MID, provider and market
    • Soft and hard declines, separated and traced to their cause
    • BIN blocks and issuer-level declines
    • Markets where your checkout lacks the methods your clients use
    • Effective cost per market, including cross-border, FX and other hidden fees

  • Monitor

    • Approval rates, decline reasons and provider health, around the clock
    • Alerts the moment approval rates drop, a provider slows or a MID is restricted
    • Chargeback and refund ratios per MID, kept within scheme thresholds

  • Test

    • A/B tests across providers, MIDs and routing rules
    • Method order and presentation in the checkout, market by market

We act on what we find, in every market.

  • Optimize

    • Routing by market, method, currency, BIN and ticket size
    • Cascading and smart retries on soft declines
    • 3DS settings tuned by market and issuer
    • Automatic failover to a live backup
    • Volume balanced across MIDs

  • Manage providers

    • Provider issues taken through to resolution
    • MIDs switched, added or replaced
    • Restricted or failing providers replaced from our network
    • Fees checked against contracted rates, and settlements reconciled
    • Rates and terms benchmarked against the market, and renegotiated

  • Expand

    • New providers and local acquiring as you enter new markets
    • Local payment methods added where clients can't deposit today

A dedicated specialist, backed by our full team, works in a shared channel with yours and reports on performance and revenue recovered.

We measure engagements by outcomes that hold.

The outcome we measure is the revenue your payments were losing, recovered. As you enter new markets and as markets shift, we add providers, replace underperformers and keep optimizing.

All case studies

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03 · Optimize

After go-live, we stay on alongside your team, 24/7.

Approval rates, country by country

We track approval rates by country, issuer, card type and method, and see the moment a market slips.

Volume on the best performers

We send volume to the providers approving most at the lowest cost, and move it when that changes.

Provider health

Every provider watched around the clock. If one throttles, raises fees or changes its risk appetite, volume fails over and we line up the replacement.

New markets

New local payment methods and new markets, added without restarting the engagement.

You decide how hands-on we are

  • Your gateway or ours

    Ours gives us direct, real-time control of routing, cascading and retries.

  • Advise or execute

    We advise, or we execute under your mandate.

Common questions.

What do you need from us to start?
Your current provider setup and anonymized transaction data, with no client personal details. Within 48 hours, we map every market you target and show you where you're losing revenue.
Do we need to change our corporate structure to work with you?
Where a provider requires it. When your entity, license and jurisdiction fit the providers and markets you target, we apply as you are. Where they fall short, we propose what to add or restructure before any application goes out.
Are you tied to specific PSPs?
We choose providers case by case from a network of 120+, matched to your vertical, jurisdiction and markets, for clean onboarding and the right commercials.
How does the orchestration piece work?
Once the rails are live, we set routing rules per market and method, retries on declines and automatic failover between providers, with a backup in every market. Clients see the methods they expect in their market.
How long until something is live?
The audit comes back within 48 hours of receiving your anonymized transaction data. Provider onboarding follows each provider's timeline and your documentation, and we run applications in parallel.

Send us anonymized data. Get a straight answer.

Every brand we've audited had revenue to recover. We work from anonymized transaction data, with no client personal details. Book a free 30-minute call, with no commitment, and we'll tell you whether we can add value.

Book a free 30-minute callMessage our team