Book a consultation

Payments · cross-border checkout

Payment gateway integration, done right.

We select, connect and tune the payment stack behind your EU checkout. Local methods, PSD2 and SCA, smart routing and tight PCI scope — built so cross-border buyers pay cleanly and your finance team sleeps.

Book a discovery call Explore our services

Gateway-agnostic. PCI DSS aware. GDPR-compliant by design.

# EU checkout routing
market   NL  iDEAL → cards
market   BE  Bancontact → cards
market   EU  SEPA + 3-D Secure 2
sca      exemptions enabled
failover acquirer-B armed
pci      scope SAQ A

What we integrate

The full checkout stack, owned end to end

Cross-border revenue leaks between the gateway and the ledger. We close that seam. Each piece below is configured for your markets, then handed back to you documented — never a black box.

  • Gateway & acquirer selection

    We stay gateway-agnostic. We pick the acquirer and processor mix that fits your markets, margins and risk — never a vendor we resell.

  • Local payment methods

    iDEAL, Bancontact, SEPA Direct Debit, cards and wallets, switched on per country. Buyers pay the way they expect, so carts convert.

  • PSD2 · SCA, tuned for conversion

    Strong customer authentication set up with the right exemptions. Genuine buyers clear without friction. Fraud still gets stopped.

  • Smart routing & failover

    Traffic routes to the best-performing acquirer. If one processor drops, checkout fails over. A single outage never stops your revenue.

  • PCI DSS scope control

    We hold your PCI footprint at its lightest defensible tier, usually SAQ A. Less scope means less cost and a smaller audit each year.

  • Reconciliation & reporting

    Payouts, processor fees and VAT matched line by line across currencies. Your finance team gets audit-ready figures, not quarter-end guesswork.

The engagement

Four steps from audit to live

We are a hands-on implementation partner, not a deck. Here is how an integration runs, start to finish.

  1. Map the checkout

    We audit your current stack, conversion data and target markets. Then we name every gap before a line of config changes.

  2. Design the routing

    We choose acquirers, local methods and SCA rules per country. You get a clear plan, costed and mapped to your roadmap.

  3. Build and test

    We do the integration work with your engineers. Every method is tested live in sandbox before a single real card runs.

  4. Tune and hand over

    We watch authorisation rates after launch and tune the routing. You keep documented config, not a black box.

Payments and tax, one ledger

A gateway that respects your VAT

Most firms hand you payments or tax. We run both. So the routing we build feeds the OSS and IOSS returns we file. Authorisation rates, SCA exemptions and distance-sales thresholds reinforce each other.

That is the FiscalGeek difference. One team owns the whole cross-border stack, from acquirer choice to audit-proof reporting. Your CFO gets business outcomes, not fintech jargon.

See how VAT fits in

Common questions

Before you book a call

Do you replace our payment provider?

No. We are advisors, not a gateway. We work with the providers that fit you and keep you free to switch later.

Can you work with our existing setup?

Yes. Most engagements start with the stack you already run. We tune what works and fix what leaks.

Will this affect our VAT filing?

It can help it. We run payments and EU VAT on one team, so your gateway data and OSS/IOSS returns line up.

Talk to a specialist

Let’s pressure-test your checkout.

Spend 30 minutes with a FiscalGeek consultant. We review your gateway setup and routing, then show you where revenue is leaking. No forms, no pitch, no obligation.

Book a discovery call Email [email protected]