New clients start with a free 30-minute payment diagnostic.

Independent payment infrastructure advisory

Your e-commerce branddeserves payments that hold.

PaySafe is a payment infrastructure consultancy. We audit, structure and optimise how merchants get paid, so every processor says yes and keeps saying yes.

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Payment health review
Draft · Week 1
Approval rate
86.4%
Below sector median
Dispute ratio
0.71%
Above 0.65% alert line
Processor fit
2 of 3
Structure eligible
Top recommendation High impact · Low effort

Enable network tokens and adjust 3-D Secure exemptions for EU card-not-present traffic.

Illustrative example of an audit dashboard

Advising on the processors and platforms you already use

StripeAdyenPayPalShopifyKlarnaApple PayGoogle PayPaddleWiseRevolut

We design your payment infrastructure. From legal entity to checkout.

A complete diagnosis of how you get paid

We review your legal entity, processors, checkout, pricing and dispute history, then deliver a written assessment with prioritised recommendations.

Discuss your case
  • Legal and processor footprint review
  • Website and checkout compliance check
  • Approval-rate and dispute analysis
  • Prioritised remediation roadmap
Audit report — summary
Legal entity & processors72/100
Website & policies54/100
Checkout & authentication81/100
Disputes & refunds46/100
14 findings · 5 high priority · roadmap attached

And we keep it performing. Approval rates, disputes and processor relationships.

Recover the revenue lost at authorisation

Every declined payment has a reason code. We read them, find the patterns and fix what sits on your side: routing, retries, authentication and how your business appears to issuers.

Discuss your case
  • Decline-code analysis by issuer and market
  • Retry, routing and failover strategy
  • 3-D Secure and SCA tuning
  • Descriptor and merchant category review
Approval rate · 12 weeks
93.1%+13.0 pts
Do not honour−41%
Authentication required−63%
Illustrative figures

Where we typically step in

E-commerce, software and services businesses call us at the same moments. These are the situations we know best.

E-commerce · DTC brand

Approval rate slipping as the brand expands abroad

International orders decline far more often than domestic ones, and nobody can say why.

What we do

Decline-code analysis by issuer country, local acquiring options, 3-D Secure tuning and local payment methods per market.

Software · Subscription

A processor asks for a rolling reserve

Monthly volume grew fast; the processor now holds a share of every payout pending review.

What we do

A complete review file, dunning and refund policy fixes, and a volume ramp-up plan to present to the risk team.

Services · Coaching & education

Customers want to pay in instalments

High-ticket programmes lose buyers at checkout; ad hoc payment plans create disputes months later.

What we do

BNPL eligibility, a clear instalment policy, contract and evidence templates that hold up in a dispute.

Agency · Multi-client

Applying to a processor for the first time

A new entity, a new website, and an application the agency only gets one clean chance at.

What we do

Pre-onboarding review of the site and policies, the right entity and descriptor, and an underwriting file ready on day one.

E-commerce · Marketplace

Dispute ratio approaching network thresholds

Chargebacks arrive weeks after delivery and the team answers each one by hand.

What we do

Training on the dispute lifecycle, pre-dispute alerts, automated refunds and evidence templates per reason code.

Software · Founder-led

Choosing an entity before the first sale

The founders live in one country, sell in others, and want the processors and payment options that suit them.

What we do

Jurisdiction and tax-residency review with their advisers, processor eligibility mapping and banking setup.

Approach

How an engagement works. Four steps, no surprises.

A short, structured process. You always know what we are looking at, what we found and what it will take.

  1. 01
    Diagnostic call

    Thirty minutes to understand your business, your processors and what is not working.

  2. 02
    Audit

    We review entity, website, checkout, processor settings and payment data.

  3. 03
    Roadmap

    A written report: findings, risks, and actions ranked by impact and effort.

  4. 04
    Implementation

    We carry out the changes with your team and stay on until the results show.

Independent

We are not a processor and never hold your funds. Our only interest is the right setup for you.

Senior-led

The consultant who scopes your engagement is the one who delivers it.

Documented

Every engagement ends with a written report and a roadmap your team can run with.

Three ways to work with us

Scoped in writing, at a fixed fee, before any work begins.

Payment audit

A complete review of your payment setup with a written report and a prioritised roadmap.

  • Fixed scope
  • Written report
  • Debrief session

Project

A defined change carried out end to end: a new entity, a new processor, BNPL, a dispute programme.

  • Clear deliverables
  • Implementation included
  • Handover to your team

Advisory retainer

An ongoing payments partner: monthly reviews, processor relationships, and training for your team.

  • Monthly review
  • On-call advice
  • Team workshops

Questions we are often asked.

Something else on your mind? Ask us directly.

Is PaySafe a payment processor?

No. PaySafe is an independent consultancy. We never sit in your payment flow or hold your funds: we help you choose, configure and work with the providers that do.

Who do you work with?

E-commerce brands, software and subscription companies, and service businesses such as agencies, coaching and education, from a first processor application to multi-entity setups.

How does an engagement start?

With a free 30-minute diagnostic call. If there is a fit, we send a written scope and a fixed fee before any work begins.

My account is under review or was closed. Can you help?

Yes. We identify what triggered the review, help you prepare a complete and accurate response, and fix the underlying causes so it does not happen again.

Do you replace our lawyer or accountant?

No. We bring the payments view and work alongside your legal and tax advisers, who sign off on legal and tax matters.

Which processors do you know?

Stripe, Adyen, Checkout.com, PayPal, Shopify Payments, Klarna and most major acquirers and payment platforms. We are not paid by any of them.

Is our information kept confidential?

Always. We sign an NDA on request, and nothing you share is used outside your engagement.

Let’s look at how you get paid.

Book a 30-minute diagnostic. You leave with a clear view of what to fix first, whether or not we work together.

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