Stop overpaying on payments.
Let's find exactly where.

A specialist, not software

I read your statement line by line, the same way a good accountant reads your books. I know interchange, scheme fees, and where providers quietly pad the bill.

Written findings you keep

You get a clear breakdown: your real effective rate, your approval-rate gaps, your chargeback exposure, and the specific places you're overpaying. Yours to keep, no strings.

Money, quantified

Not vague promises. A concrete estimate of what you could recover by fixing your fees and approval rates, grounded in your actual transaction data.

Fee & pricing review. A full read of your current fee structure, your real effective rate, and the markups buried in your statement.

Approval-rate assessment. Where transactions are failing or being declined, and how much revenue you could recover.

Routing & setup check. A close look at your payment routing and configuration for inefficiencies that cost you on every transaction.

Chargeback exposure. Where friendly fraud and disputes are quietly eating margin, and what's preventable.

Savings & optimization summary. A clear, quantified breakdown of your opportunities, plus an optional call or written walkthrough with me.

Send your details

A few basics about your business and how you take payments today.

Upload your statement

Securely, so I can work from your real numbers.

I analyze the data

I look at your fees, routing, approval rates, and chargebacks line by line.

You get the findings

A clear roadmap of your savings and the next steps to take.

Real merchant processing roughly €1M/month. We compared their previous setup against an optimised one. The savings come from two places: (a) a lower effective processing rate across interchange, scheme fees, and provider markup, and (b) recovering failed and declined payments that were quietly costing revenue. Combined, that worked out to roughly €40,000 over 12 months. Every business differs by volume, card mix, pricing, and approval rates, so your own number will be specific to you.

paid in card fees by European merchants each year

EU merchant service charges nearly doubled since 2018

of online payments fail every month, most recoverable

smaller merchants pay 3–4x more per transaction than larger ones

I didn't understand my statement, didn't even know I had different rate tiers. The review finally showed me where the money was going.

I thought my approval rate was fine. Turns out 12% of payments were failing every month, thousands in lost sales I could have recovered.

I assumed chargebacks were just a cost of doing business. The review showed each one cost 3x what I thought, and most were preventable.

Best part? They didn't ask me to switch. They showed me what I was paying and what I could do about it. No pressure, no pitch.

Swiss-regulated, VQF-authorised. Kumaa Pay GmbH is authorised as a financial intermediary through membership of the VQF, a FINMA-recognised self-regulatory organisation (SRO no. 101288), and operates under Swiss financial-market and anti-money-laundering law.

PCI-DSS compliant, independently reviewed. Card-related data is handled in line with PCI-DSS v4.0.1, with an independent review by SISA, a globally recognised PCI Qualified Security Assessor.

I'll sign an NDA on request. Sharing something sensitive? I'll sign a mutual NDA before you send anything, just ask, and I'll have it in place first.

Access restricted, never shared. Only review personnel see your data, and it's never shared with third parties without your consent.