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High-risk payment processing, optimized market by market

Payment solutions in every market: we find, negotiate and onboard the providers that underwrite your business, then optimize them 24/7, alongside your payments team.

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See how an engagement runs

Illustrative

Lost revenue in established payment setups.

Failed deposits that vary by issuer and market, clients who can't find their payment method, fees that drift above market, cross-border costs on cards that could be acquired locally, and a single provider carrying a whole region.

Every engagement starts with your setup.

Three questions shape the work: what you sell, where, and through which entity.

What we need from you

Four inputs

  • Your vertical

  • Your entity, licenses and group structure, which determine the providers that will onboard you

  • Your current providers, MIDs and methods

  • The markets you want to grow in

What you get back

Live processing, under the right entity.

Applications filed, commercials negotiated, rails integrated, and structure set up where a provider requires it: approvals from the right providers, processing transactions.

Every market, mapped

  • The payment methods customers in each target region actually use, and which ones convert.
  • Which Tier 1 PSPs will onboard you, at what rates, with what coverage.
  • Whether your current corporate structure can access those PSPs, or whether a new entity / license is needed first.
  • The full target stack: providers per region, methods per region, fees per region, sequencing and timing.

You get the map, and the plan to act on it.

Then we keep them performing.

We deliver the orchestration layer alongside the rails, because routing decides your approval rates: every transaction goes to the right provider, retries when it fails, and has a live backup in every market.

Illustrative

  • Routing per region, per method

    Every transaction goes to the provider best suited for its country, currency, BIN (the issuer-bank prefix on a card number) and ticket size. The mechanics behind it: local acquiring per region.

  • Smart retries on decline

    We retry soft declines on another acquirer or a local payment method, recovering deposits that would otherwise fail.

  • Backups for every region

    If a provider throttles, offboards or has an outage, volume shifts in real time to the next provider in the cascade.

  • Best checkout UX, everywhere

    Clients see the methods they expect in their country: local cards, bank rails, wallets and vouchers, in their language, with the lowest friction path your data supports.

We use the technology of an industry-leading, AI-powered payment orchestration platform, with 120+ PSPs and 300+ local payment methods already integrated. If you don't have a gateway yet, or want one integration across every PSP we onboard, we provide it, configured to your providers and your regions from day one. We optimize on your gateway or ours. Ours gives us direct, real-time control of routing, cascading and retries.

Read more about the orchestration we provide

Approval rates that hold, quarter after quarter.

We optimize for long-term performance: the lowest fees and highest approval rates available for your profile, with providers chosen to stay, the right entity behind them and a backup in every market.

All case studies

Optimized 24/7, in every market.

We track approval rates, move volume and replace providers as markets shift, alongside your team.

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.

The full scope

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

Every method your clients use, in every market.

Cards plus the local payment methods that convert in each market, through providers that underwrite your category.

Examples by region

  • North America

    Visa, Mastercard, Apple Pay

  • LATAM

    PIX, SPEI, OXXO

  • Europe

    SEPA, iDEAL, Bancontact

  • MENA

    Fawry, mada, Tamara

  • Africa

    M-Pesa, Airtel Money, MoMo

  • APAC

    UPI, Alipay, PayID

In every region

  • Cards globally

    Visa, Mastercard with optimized routing

  • Crypto on-ramps

    Stablecoin deposits converted to fiat

  • Bank transfers

    Local and international wire transfers

  • E-wallets

    Skrill, Neteller, and region-specific wallets

High-risk merchant accounts

Merchant accounts across multiple acquirers.

Several MIDs across providers and regions, so volume is spread and no single account carries a market. More on what a high-risk merchant account is.

  • Applications followed through to live

    We file and negotiate applications with the acquirers that underwrite your vertical, through to live processing.

  • Multiple MIDs, by design

    Several merchant accounts across providers and regions, so volume stays spread and a freeze on one account leaves the others live.

Three stages. Three ways in.

Your starting point sets the first move. Every stage ends in rails that work in every market you sell in, with the right entity behind them.

What stage are you at?

Optimize

At scale, concentration is the risk. We spread volume across providers and entities, with a backup in every market, and optimize alongside your team, 24/7.

  • Several providers per market, with live failover
  • Corporate alignment for Tier 1 commercial terms
  • Monitoring and routing, 24/7
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Structure

The right entity behind your providers.

Where a provider requires a different entity or license, we set it up: incorporation, directors and licensing, aligned with the providers you need.

See our supporting services

The Stack Check

The true cost of your payment stack.

Nine questions. Two minutes. Anonymous, and scored the way we’d score it.

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2 min · anonymous · free

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