Diagnose
- • Data and logs review
- • Decline and cost map
- • Leakage baseline
Signal Payments
Higher approvals. Lower cost. Fewer payment surprises.
Vendor-neutral, experiment-led consulting for operators who need measurable payment performance, not vague transformation slides.
Vendor-neutral Experiment-led Executive-ready
Common stacks
Examples, not endorsements.
Reality check
Revenue leaks usually hide in plain sight.
- Soft declines can quietly compound into meaningful missed revenue.
- 3DS friction can improve risk posture while hurting conversion if overused.
- Retry logic that is not issuer-aware can increase cost without lifting approvals.
- Fee creep usually comes from a stack of small defaults nobody revisits.
Framework
Make optimization systematic
Four pillars to move from payment firefighting to measurable operating discipline.
Design
- • Routing and retry policy
- • 3DS and fraud controls
- • Tender mix plan
Deploy
- • A/B tests and rollout
- • Guardrails and monitoring
- • Escalation playbook
Prove
- • ROI model
- • Executive scorecard
- • Weekly decision cadence
Solutions
Scannable modules with clear ownership
Approval Rate Uplift
- Symptoms
- Soft decline spikes, issuer-specific drag, inconsistent retries.
- What we do
- Issuer segmentation, retry policy redesign, and 3DS exemption tuning.
- KPIs we move
- Auth rate, recovered revenue, conversion by BIN/country.
Cost Optimization
- Symptoms
- Processing spend rising faster than transaction volume.
- What we do
- Fee diagnostics, routing by cost-performance, scheme and FX controls.
- KPIs we move
- Blended fee rate, net margin after payments, approval-adjusted cost.
Fraud & Risk Tuning
- Symptoms
- False positives are blocking legitimate customers.
- What we do
- Risk model thresholds, manual review design, and challenge routing.
- KPIs we move
- Fraud rate, false-positive rate, chargeback ratio.
Routing & Resilience
- Symptoms
- Single-provider dependency and avoidable outage exposure.
- What we do
- Fallback routing, latency-aware logic, and incident response runbooks.
- KPIs we move
- Payment uptime, failover time, transaction recovery.
“We stopped guessing and started running weekly payment experiments.”
VP Payments, Marketplace Co.
Example outcomes: auth 91.8% → 94.2%
“Fee transparency changed roadmap priorities in two weeks.”
Head of Finance, SaaS Scaleup
Example outcomes: blended cost 2.9% → 2.4%
“Fraud rules became far less noisy without opening the floodgates.”
Director of Risk, Global Retail
Example outcomes: false positives -28%
Book a working session
See where margin and approvals are leaking.
Bring your current stack and metrics. We will map your highest leverage levers live.