Built by people who worked inside
Ubisoft
Ubisoft
Full payment operations — strategy, fraud, PSP negotiation, compliance — run by a senior team that's actually done it. Embedded, permanent, AI-augmented.
Or estimate your own losses in 30 seconds
We've negotiated PSP contracts at 3am before a go-live. We've debugged a 4% acceptance rate drop on a Sunday. We've sat in the room when a chargeback program got flagged.
Most companies processing €50M+ have never had anyone in that room.
That's what we fix.
PayDesk isn't a consulting firm that delivers a report and moves on. It's a permanent payment team — embedded in your operations, accountable to your P&L, available when things go wrong. The kind of team that used to cost €250k/year to build internally.
What a real payment team costs annually — Head of Payments, analyst, ops, tooling. Justified at €500M GMV. Impossible to justify at €50M.
GMV lost to avoidable declines, unoptimized PSP contracts, and unmanaged fraud. Invisible per transaction. On €100M, that's up to €2M/year.
Time to hire and ramp a payment expert — if you find one. Meanwhile your PSP repriced you, chargebacks climbed, and competitors gained 2 points of acceptance.
Preventable losses on a €100M GMV business operating without payment expertise. Not a payment problem — a direct, compounding P&L problem.
"Your payment setup is either working for you or against you.
There is no neutral ground."
Most payment consultants spend three months producing a report. We spend three months producing results — documented against a baseline, reported monthly, visible in your P&L.
We integrate directly into your stack, manage your PSP relationships under our own name, and stay on when incidents happen.
We map your current setup — PSP contracts, acceptance rates by market, fraud exposure, cost structure. We document exactly what you're leaving on the table. No commitment required.
We integrate into your stack, establish your KPI baselines, and execute the highest-ROI actions first. PSP renegotiation, routing fixes, fraud rule tuning — things that pay back within weeks.
We run your payment department. Monthly P&L reporting. Quarterly strategic review. And we're available when something breaks — because in payments, something always eventually breaks.
| Hiring internally | PayDesk.pro | |
|---|---|---|
| Annual cost | €250k+ (team + tools) | From €60k/year |
| Time to value | 3–6 months to hire and ramp | Operational in 30 days |
| Expertise depth | One profile, one background | Senior team + specialist network |
| Scalability | Fixed headcount, fixed cost | Scales with your needs |
| AI tooling | You build it, you fund it | Included from day one |
| Risk | Hiring risk, attrition, ramp time | Performance-based, contractual SLAs |
| Ecosystem access | Built over years, if at all | PSP, scheme & issuer network on day one |
Annual fraud savings generated through a new rule framework deployed for a top-5 European card issuer. Built from their own transaction data, not a template.
Annual revenue opportunity identified through an authentication optimization program. The kind of number that changes a conversation at board level.
Authentication rate improvement across travel, streaming, and marketplace verticals. Four points doesn't sound like much — until you run the GMV math.
Combined impact: €10M revenue generated + €1.5M cost reduction on €4.5Bn GMV across 30 markets, multi-currency, multi-PSP. This took 18 months of operational work.
We've built the monitoring and automation layer that most payment teams spend years trying to get funded internally. It comes with the service from day one.
Covers full payment operations: team access, PSP monitoring, fraud oversight, compliance tracking, monthly reporting, and quarterly strategic review.
A percentage of measurable, audited gains calculated against your documented baseline. Capped annually. You only pay when we deliver.
Most clients cover the retainer within 60 days from gains generated. First audit is free, no commitment.
13 years across the full payment chain — merchant, issuer, scheme, acquirer, PSP. P&L ownership, multi-market strategy, PSP negotiation from both sides of the table.
Expert in fraud rule engineering, chargeback dispute management and issuer relationship programs for high-volume merchants.
Subscription billing architecture, MIT/CIT chaining, dunning optimization and recurring revenue recovery at scale.
Two weeks. We tell you exactly where you're losing money and what it would take to fix it. No slide deck. No sales pitch. Just the numbers — and what we'd do about them.