When choosing an Acquirer, don’t just ask – can they process my payments? Ask – can they advocate for my business when it matters most?
That’s where the real difference lies.
Working across multiple mandates, markets, and Card Schemes gives a unique vantage point into where risks emerge and where meaningful impact can be made.
One of such example that recently stood out was on the online refund auth (Europe) mandate where we observed a high percentage of online refund auth transactions were not being processed accurately by issuers. The implications? Operational challenges and increased risk of non-compliance.
After a deep data analysis, it became clear the issue wasn’t with the processing but with issuer readiness at the scheme level. I developed a data-led strategy to surface the root cause and brought this directly to the schemes.
From there, advocacy took the lead.
By presenting issuer-level evidence and engaging in consistent, targeted follow-ups, the situation began to shift. Over the course of a few months, we saw a significant increase in online refund transactions being processed successfully, benefiting both us and our merchants
👉 When choosing a payments partner, ask more than just “Can they process my payments?”
Ask:
• Will they represent my interests with the schemes?
• Can they provide data-led insights to reduce risk?
• Are they proactive in identifying and solving systemic problems?
• Do they operate like a true strategic partner?
That’s why I’m proud of checkout.com; We tick all the boxes.
