Payments that keep pace with your marketing investment.
If you are investing significantly in acquisition and losing 2 to 5 percent of revenue at the payment step, that is typically the most expensive gap in your P&L. We help e-commerce and marketplace operators across the Middle East and Africa lift approval rates, improve checkout experience and build the payment architecture their growth plan requires.
What we deliver for your category.
Approval rate uplift
We focus on the 2 to 8 percent of revenue your current stack is declining but should not be, through issuer-level decline tuning, intelligent retries and routing cascades.
Checkout conversion
Cross-device and cross-issuer checkout testing alongside a conversion review benchmarked against the regional top quartile. Each percentage point recovered is marketing investment protected.
Local methods, local rails
Apple Pay, Tamara, Tabby, mada, Fawry and cash-on-delivery hybrid flows. We help you offer the methods customers expect in each market without over-engineering the stack.
Marketplace architecture
Seller onboarding, split payments, hold and release logic, commission accounting and cross-border payouts. We design the payment infrastructure that scales with the platform.
Fraud without false positives
Rules segmented by risk band so your stack stops blocking high-AOV customers unnecessarily. Fraud strategy is aligned with your unit economics, not a vendor default.
PSP strategy and redundancy
If a single PSP outage costs you a trading day, the architecture has a problem. We design redundancy with automatic failover that pays for itself at the first incident.
The conversations we have most often with teams in this category.
- Paid traffic converts, but not at the rate our benchmarks suggest it should.
- We hear from customers that checkout fails on specific banks.
- Our marketplace payouts are complex to operate and getting worse as we scale.
- We launched BNPL but approval rates dropped. We want to understand why.
- We plan to launch in a new market within 60 days and need help choosing the right PSPs.
Tailored to your category, not a generic playbook.
Start with a Diagnose engagement
A structured audit of your current funnel, decline data and method coverage, with a prioritized revenue-impact plan.
Move to an Optimize retainer when the upside is material
A senior advisor embedded for three to six months to execute the highest-impact items: routing, 3DS, fraud and PSP strategy.
Automate operations as volume grows
Refund, reconciliation and dispute automation so cost to serve does not scale linearly with GMV.
Light-touch advisory as the stack evolves
Optional ongoing advisory after the main engagement, so you have a senior payments voice available when you need one.
Regional fashion marketplace. UAE and Saudi Arabia
Challenge
GMV growing 40 percent year on year but approval rate stuck at around 82 percent. New market launches taking four or more months because the payment stack was not built for multi-country expansion.
Approach
Three-week diagnostic followed by a five-month Optimize retainer. Added an orchestration layer, implemented decline-code-driven retries, added local methods in Saudi Arabia (mada and Tamara), and renegotiated PSP commercial terms.
Outcome
Approval rate lifted to 90.1 percent on blended volume. Market launch time reduced to under six weeks. Approximately 3.8 million US dollars of annualized revenue recovered in the first year of the retainer.
- Approval rate
- 82% to 90.1%
- Revenue recovered
- $3.8M per year
- New market launch time
- 4mo to under 6wk
See what a VizierPay engagement could look like for your business.
A short call, with questions tailored to your category and your markets.