Payment & risk infrastructure for global eCommerce
The payments team behind 2,500+ businesses. We get merchants approved with vetted processors, get frozen funds released, and run it all from one dashboard.
ALL SYSTEMS OPERATIONAL
What we do
Reserve casework, processor approvals, an on-call payments desk, and U.S. market entry, with MyCompaytence as the dashboard the whole operation runs in.
01
When Stripe, Shopify Payments, or PayPal freezes funds or imposes a rolling reserve, we take a data-backed case straight to the processor and the acquiring bank. Direct advocacy with decision-makers, not support tickets, until funds release and the account comes back.
$20M+
Recovered
450+
Holds overturned
Real release · $558,620.59 in transit
02
Placement inside our network of 30+ vetted processors, gateways, and acquiring banks, with onboarding guaranteed. Once you are live: authorization-rate analysis, chargeback tooling, and lifetime account management.
30+
Tier-one PSPs
Guaranteed
Onboarding
First payout after approval · $135K on the way
03
Processor relationships, risk exposure, and compliance, run as an extension of your team. The payments desk you don’t have to hire, carrying the casework of 2,500+ businesses, on call as you scale.
30+
Combined years in payments
2,500+
Businesses
Five-star Google review · posted 23 minutes ago
04
Entity formation, EIN and registered agent, a guaranteed fully remote U.S. bank account insured by the FDIC up to $250,000, and payment setup. The complete stack global eCommerce merchants need to sell in the U.S., handled end to end.
$250K
FDIC insured
100%
Remote setup
U.S. bank deposits · $89,704.30 landed
05
Every PSP relationship, risk assessment, task, and document in one dashboard, with our team working inside it alongside you.
One login for the whole payment operation
How an engagement runs
The same path every engagement takes, whether the problem is a frozen reserve, a missing processor, or a U.S. entry.
01
Thirty minutes on your processors, reserves, and goals. If there is a fit, you get a proposal with next steps and timelines, at no cost.
INTAKE RECEIVED
02
A data-driven assessment of your compliance posture, risk profile, and processor history, turned into a personalized written plan.
RISK ASSESSMENT COMPLETE
03
Recovery casework, PSP setup, or U.S. entity and banking, presented directly to processor decision-makers, not support queues.
CASE SUBMITTED
04
The engagement lands in MyCompaytence, with our team working inside the workspace alongside you as you scale.
WORKSPACE LIVE
The capability set
Five capabilities, one team, one workspace.
※ draft pillar labels — approve at P3
CASEWORK
Withheld funds recovered and rolling reserves unwound, direct to processor decision-makers.
Frozen funds and rolling reserves argued directly with the processor and the acquiring bank. Decision-makers, not support tickets, until the money releases and the account comes back.
UNDERWRITING
Approval engineered before you apply, across a network of 30+ top-tier providers.
Placement inside a network of 30+ vetted processors, gateways, and acquiring banks, with the application engineered to pass underwriting before it goes in. Onboarding guaranteed.
INFRASTRUCTURE
Direct accounts with tier-one acquirers, routed for authorization rates and settlement.
Direct accounts with tier-one acquirers instead of aggregated sub-merchant IDs, routed for authorization rates, settlement speed, and clean payout schedules once you are live.
MARKET ENTRY
Entity, EIN, and a fully remote U.S. bank account, FDIC-insured up to $250,000.
Entity formation, EIN and registered agent, and a guaranteed fully remote U.S. bank account insured by the FDIC up to $250,000. The complete stack to sell into the U.S., end to end.
OVERSIGHT
Chargeback exposure, compliance posture, and reserve status, watched from one workspace.
Chargeback exposure, reserve status, and account health watched from MyCompaytence, with the desk on call when a processor moves first. The goal state is what this mail says: no reserve at all.
The product
Every PSP relationship, task, and document in one workspace, with our team inside it. Scroll through the tour.
One login for the whole payment operation. The workspace assembles the moment you land.
Storefront, checkout, PSPs, metrics, and reporting, connected from one settings screen.
Plug in your accounts and the numbers arrive: volume, growth, disputes, payouts.
Proposals accepted, reserves stepped down, funds released: the Compaytence team reports right in your notifications.
Three tiers, one workspace. Placeholder pricing until the real tiers are locked.
Pricing
※ placeholder tiers — names and prices pending
$249/mo
The dashboard and monitoring for one storefront.
$649/mo
Your payment operation, actively managed.
Custom
Multi-entity stacks and negotiated pricing.
Case studies
Published engagements, with the figures as we reported them.
Stripe holding over $1M and PayPal freezing another $900K mid-scale, with processing halted. We took the case to both processors and brought the operation back online.
DTC consumer electronics
PayPal put aggressive holds on a fast-scaling haircare brand — strong sales, no liquidity. We escalated the case until the reserve lifted and the funds released.
Medically-backed haircare
Over €1M a month in eBay revenue moving to its own store. We engineered onboarding with Mollie, PayPal, and Klarna — no delays, no rolling reserves, no risk flags.
Premium electronics, EU
Four months after launch, Shopify Payments imposed a 15% rolling reserve on every payout — ads, fulfilment, and growth all choked. We built the case that released the funds and cut the reserve.
Fashion footwear, high-growth
A single $30K order tripped Stripe’s risk model and froze the account of a high-AOV designer brand. We got the funds released and installed a PSP built for high-ticket volume.
High-AOV designer brand
Proof
Real merchant words from real casework, pulled straight from the threads. Names anonymized; the numbers are the numbers.
PayPal released the funds
“Yes, PayPal released 129k. Your team did a wonderful job.”
The risk plan is working
“Since we started implementing that plan of action, we’ve had just 1 dispute over the last 5 days on around 400 transactions. So it’s working.”
MIDs secured
“Their team moved fast, communicated clearly, and delivered exactly what they promised — helping us secure MIDs quickly and smoothly.”
100% payout approved
“What a great service you guys provide. Going to bat for the little guy. That took 10 hrs from the time the email was sent. So good.”
Seven figures
“We’re officially a 7-figure business now. This would not have been possible without you.”
The little details
“Your team is very strong. I like how you look into the little details and how good your work outputs are. Thank you for caring; it’s never something I take for granted.”
Google reviews
Verbatim from our Google listing — written after the reserve cleared, the MIDs landed, or the U.S. entity went live.
5.0
Bukunmi Okedara
1 review · a year ago
The team at Compaytence provides excellent support, they have extensive experience with tailored advice and solutions dealing with payment processing. We have had a great experience working with them providing our company with expert information that has not just solved our immediate payment processing issues but will help us continuously in the future to de-risk our business. Personally, we have worked with Michael, Kristin, and Lars, no complaints with anyone on the team at all!
Brandon van Mierlo
7 reviews · 6 months ago
Compaytence and the team have been very helpful in acquiring payment processors for our e-commerce brand. They have also been very insightful in giving advice in order to scale our business. Highly recommend them!
Zack Onye
1 review · a month ago
Compaytence was incredibly professional, highly knowledgeable, and extremely efficient throughout the entire process. Their team moved fast, communicated clearly, and delivered exactly what they promised. Helping us secure MIDs quickly and smoothly. Their expertise, speed, and reliability made a huge difference, and it was clear they truly understand this space. Highly recommend them to anyone looking for a competent, results-driven team.
Blake
1 review · a year ago
Working with the Compaytence team has been a game changer for our business. They were really clear when explaining, helping us to understand our different options and solutions. Then they used their connections to get us speedy approval with ease and competitive rates. Would definitely recommend and we're grateful for their services.
Zack Onye
1 review · a month ago
Compaytence was incredibly professional, highly knowledgeable, and extremely efficient throughout the entire process. Their team moved fast, communicated clearly, and delivered exactly what they promised. Helping us secure MIDs quickly and smoothly. Their expertise, speed, and reliability made a huge difference, and it was clear they truly understand this space. Highly recommend them to anyone looking for a competent, results-driven team.
Blake
1 review · a year ago
Working with the Compaytence team has been a game changer for our business. They were really clear when explaining, helping us to understand our different options and solutions. Then they used their connections to get us speedy approval with ease and competitive rates. Would definitely recommend and we're grateful for their services.
Bukunmi Okedara
1 review · a year ago
The team at Compaytence provides excellent support, they have extensive experience with tailored advice and solutions dealing with payment processing. We have had a great experience working with them providing our company with expert information that has not just solved our immediate payment processing issues but will help us continuously in the future to de-risk our business. Personally, we have worked with Michael, Kristin, and Lars, no complaints with anyone on the team at all!
Brandon van Mierlo
7 reviews · 6 months ago
Compaytence and the team have been very helpful in acquiring payment processors for our e-commerce brand. They have also been very insightful in giving advice in order to scale our business. Highly recommend them!
Next step
One call. We map your processors, reserves, and U.S. options, and tell you what we would do.
Book a call
