Boutique Payments Consulting

Payment Optimization Consulting for Ecommerce, SaaS & Marketplaces

We help scaling businesses increase acceptance rates, reduce processing costs, and expand into new markets — without rebuilding their entire payments stack. Senior advisors. 550M€+ in managed volume. Zero middlemen.

550M€+
In annual payment
volume optimized
100+
Markets & payment
methods supported
6+
Years in payments
& fintech
2
Senior advisors.
No junior handoffs.
What we do

Payment Consulting Services

Cross-Border Payment Optimization
Market expansion & optimisation across LATAM, APAC, USA, Europe and China. 100+ countries covered.
High & Complex Risk Profiles
We work with challenging sectors. From regulated industries to high-volume businesses that standard PSPs won't touch.
Payment Stack Architecture & PSP Selection
Full stack design: PSP selection, routing logic, local methods and compliance roadmap built for your business.
Acceptance Rate Optimization & Fee Reduction
Recover failed transactions, reduce interchange fees and right-size your processing stack.
Checkout Conversion Optimization
Turn checkout friction into incremental revenue. Your ad spend deserves a funnel that actually converts.
Ecommerce & Marketplace Payment Integration
From Shopify to custom stacks. Local payment methods, split settlements and platform fee structures.
Common payment problems

Common Payment Problems We Solve

Whether you're losing revenue to payment declines, overpaying in processing fees, or struggling to accept local payment methods in new markets — these are the problems we solve every week for ecommerce businesses, SaaS platforms and marketplaces.

01
Acceptance rate below 85% and you don't know why
Routing errors, issuer declines, 3DS friction — we diagnose and fix it fast.
›
02
Expanding into new markets without local payment methods
PIX, OXXO, Alipay, iDEAL — we map the right stack for each market you're targeting.
›
03
PSP blocked your account or won't take you on
High-risk, adult, crypto, supplements — we have the relationships and the playbook.
›
04
Paying too much in processing fees
Interchange++, volume rebates, orchestration — there's money on the table. Let's find it.
›
05
Ad spend not converting at checkout
Poor ROAS despite solid traffic? The problem is often the payment funnel, not the ads.
›
Impact calculator

Payment Revenue Calculator — Estimate Your Optimization Upside

Most businesses recover between €50,000 and €500,000 annually through payment optimization alone. Use this calculator to estimate your opportunity across acceptance rate improvement, fee reduction, and cross-border expansion.

PayScaling — Impact Calculator
Acceptance rate
AR optimisation
Processing costs
Fee reduction
Cross-border
Market expansion
Your business
Sales market(s)
Billing entity country
PSP / Payment stack
Your current performance
Monthly volume €500,000
Current acceptance rate 82%
Estimated new AR with PayScaling
—
Estimated improvement
—
Monthly revenue recovered
€0
Annual revenue recovered
€0
Session ROI payback
—
Estimates based on typical results across similar client profiles. Actual improvements depend on your specific setup, markets, card mix and PSP configuration.
Your billing setup
Current pricing model
Your current costs
Monthly volume €500,000
Current effective fee rate 1.80%
Estimated new fee rate with PayScaling
—
Cost reduction
—
Monthly saving
€0
Annual saving
€0
Session ROI payback
—
Estimates based on typical savings through PSP renegotiation, Interchange++ migration and volume rebates. Results vary by volume, geography and current contract terms.
Your international setup
Target region
Your current performance
Total monthly volume €500,000
International traffic share 40%
Current AR in that region 72%
Estimated new AR with local methods
—
AR uplift
—
Intl volume at risk
€0
Monthly revenue unlocked
€0
Annual opportunity
€0
Conversion uplifts are estimated based on typical results when adding the primary local payment methods in each region. Actual results depend on product category, checkout UX and PSP coverage.
Project qualifier

Is there a fit? Find out in 2 minutes.

PayScaling Advisor
● Online
Pricing

Payment Consulting Pricing — Strategy Sessions & Advisory

Most popular
Strategy Session
1.250€ + VAT
2-hour intensive · Online or in-person
We come prepared. Before the session, we analyse your business, your current setup and your target markets. You won't be presenting your situation to us — we'll already know it. You'll leave with a clear initial direction and concrete next steps to act on.
  • Pre-session research of your business & payments setup
  • Initial diagnosis and first strategic recommendations
  • PSP shortlist tailored to your profile & markets
  • Prioritised quick wins you can act on immediately
  • Written session summary delivered within 48h
Next step
Advisory & Seguimiento
Custom
Defined together after the Strategy Session
If after the session you want to go deeper, we can design a focused advisory engagement. This is built around our expertise — strategic guidance, market knowledge and our network. We help you define the right direction and connect you with the right providers; the ongoing execution and commercial relationships remain yours.
  • Payments strategy design & roadmap development
  • PSP & provider introductions to kickstart your negotiations
  • Market-by-market payment method recommendations
  • Periodic strategy reviews aligned to your goals
  • Scope & price defined together after the first session
What you get — strategy session report preview

Every Strategy Session ends with a written report delivered within 48 hours. Here's what it looks like — sections 4 and 5 are included in full for paying clients.

PayScaling — Payments Strategy Report
Client: Marketplace EU · D2C Fashion · €2.1M/month GMV · Confidential
Strategy Session
Nov 2024
01 · Diagnosis
02 · Roadmap
03 · PSP Recs
04 · Cost Analysis 🔒
05 · Market Map 🔒
06 · Next Steps
Section 01
Diagnosis summary
79%
AR current
91%
AR target
€38k
Monthly gap
Primary decline reason: soft declines on EU consumer cards (3DS2 friction). Secondary: missing retry logic on Stripe. Estimated recoverable revenue: €456k/year.
Section 02
Prioritised roadmap
Now
Enable adaptive 3DS2 exemptions (TRA) on Stripe
↑ +4–6pp AR on EU cards · Effort: low · Owner: CTO
1–3m
Integrate PIX + OXXO via Kushki for LATAM checkout
↑ +18–22pp conversion MX/BR · Revenue impact: €64k/month
3–12m
Renegotiate to Interchange++ with Adyen as primary acquirer
↓ –0.71pp effective rate · Annual saving: €178k
Section 03
PSP recommendations
Adyen Primary
Nuvei LATAM
Stripe Fallback
Checkout.com Review Q2
Adyen: recommended for EU domestic volume and Interchange++ migration. Nuvei: best coverage for MX, BR, CO. Stripe: maintain for DTC checkout UX, not for acquiring. Checkout.com: reassess contract terms in Q2.
Section 06
Next steps
1
Intro call with Adyen Enterprise team — scheduled for 15 Nov (contact provided)
2
CTO to activate TRA exemptions in Stripe Radar before next billing cycle
3
Product team to scope LATAM checkout feature for Q1 sprint planning
Included in full for paying clients
Section 04
Fee & cost analysis
2.14%
Effective rate
1.43%
Optimised
€178k
Annual saving
Full cost breakdown by card type (credit/debit/commercial), geography and card scheme. Blended vs. IC++ delta. Volume rebate thresholds. Scheme fee optimisation levers.
Included in full for paying clients
Section 05
Market expansion map
Brazil
Mexico
Colombia
Chile
Per-market analysis: required local methods, PSP coverage, regulatory considerations (PCI-DSS, local licences), estimated conversion uplift and revenue opportunity per market entry.
Your report, delivered within 48 hours.
Ready to get yours?
The team

Senior Payment Consultants — 550M€+ in Managed Volume

IF

Iñigo Fábregas

Cross-Border Payments & Multi-Market Specialist
6 years in fintech and payments, including 3 years at a leading big tech company managing cross-border payment infrastructure rollouts across 100+ countries — LATAM, USA, Europe, APAC and China. Deep expertise in local payment methods, PSP selection, and high-volume international payment processing.
Cross-border Multi-market LATAM APAC China Big Tech
RA

Romano Alonzo

PSP Strategy, Orchestration & Payments Partnerships
Former Head of Payments at Miravia (Alibaba Group) and Bumble. Ex-Head of Partnerships at a top European payment orchestrator. Extensive network across PSPs, acquirers and local payment networks. Specialises in payment orchestration strategy and PSP contract negotiation.
ex-Miravia (Alibaba) ex-Bumble Partnerships Orchestration PSP Network