Payment performance
Stop leaving revenue at the checkout
Every declined card is margin you already earned. FiscalGeek tunes your EU payment stack so more genuine orders clear. We work on routing, authentication and fees together — the parts that quietly drain cross-border revenue.
The ground we tune on
- 3-D Secure 2 Authentication tuned for conversion, not friction
- 27 EU markets routed with the right local methods
- SAQ A PCI DSS scope held at its lightest defensible tier
- PSD2 SCA exemptions applied wherever the rules allow
The levers
Six places revenue leaks — and how we plug them
Cross-border checkout fails in small, costly ways. We treat each one as a fixable engineering problem, not a cost of doing business.
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Smart routing & failover
We route each transaction to the acquirer most likely to approve it. A single processor outage never stops checkout.
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SCA exemption strategy
Low-risk and recurring payments skip the extra step where PSD2 permits. Genuine buyers clear faster.
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Local payment methods
iDEAL, Bancontact, SEPA and cards sit side by side. Shoppers pay the way they trust in each market.
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Intelligent retries
Soft declines get a second attempt with better timing and data. Recoverable revenue stops slipping away.
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Chargeback defence
Fraud rules are tuned to block bad orders, not good ones. We keep your dispute ratio inside scheme limits.
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Fee & reconciliation review
Processor fees, payouts and FX are matched line by line. You see exactly where each cent of margin goes.
The payoff
Approvals up. Fees down. Books that reconcile.
A tuned stack pays for itself. More orders clear on the first try. Fewer dollars vanish into avoidable fees and FX spread. And because one team owns payments and VAT, your settlement data lines up with your returns.
- Higher first-attempt approval on genuine orders
- Lower effective cost per transaction
- Dispute ratios held inside scheme limits
- Settlement data ready for OSS & IOSS filing
- Card · 3-D Secure 2SCA exemption ✓
- Primary acquirerRouted ✓
- Soft declineRetried ✓
- iDEAL · BancontactLocal method ✓
How it runs
A hands-on engagement, not a slide deck
We are an implementation partner. Each step ends in a shipped change your team can see and measure.
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Audit the funnel
We map every step from cart to settlement. Then we find where approvals drop and fees creep in.
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Re-route & configure
We rewire routing, methods and SCA logic across your markets. Changes ship with your team, not over a deck.
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Tune & test
We A/B the new setup against the old. Only changes that lift clean approvals stay in place.
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Monitor & report
Approval rates, declines and fees land in one view. You get audit-ready numbers every month.
Common questions
What finance teams ask first
Will tighter rules block real customers?
No. We tune fraud and SCA logic to clear genuine buyers and stop only risky orders. The goal is more clean approvals, not fewer sales.
Do we have to switch payment providers?
Rarely. Most gains come from re-routing and re-configuring what you already run. We only suggest a new acquirer when the maths is clear.
How does this connect to our VAT work?
One team owns both halves. Cleaner payment data feeds straight into your OSS and IOSS returns, so the books reconcile without guesswork.
See where your checkout leaks
Send us your markets and your gateway. We will show you the first three fixes — no demo required.