Senior payment strategy for fintechs scaling across the region.
Customers expect a payment experience that is invisible when it works and forgiving when it does not. We advise scaling fintechs and wallet operators across the Middle East and Africa on the strategic decisions that determine whether the next year is spent driving growth or managing firefighting.
What we deliver for your category.
Orchestration strategy
Build or buy. Custom or vendor. We help you make the decision based on volume, product complexity and roadmap, independent of vendor positioning.
3DS and SCA optimization
Exemption strategy, issuer-level challenge-flow tuning, frictionless rate targets. We quantify the conversion that can be recovered.
Cost per transaction discipline
Benchmark commercial terms against the regional market, tier pricing, and route to the most cost-efficient successful acquirer on each transaction.
Top-up flows for wallets
The highest-leverage flow in your product. We audit each step, each decline path and each retry, and typically lift top-up success rates by 3 to 7 points.
Fraud without friction
Risk-band segmentation, velocity rules, device fingerprinting orchestration. Tuned to your chargeback tolerance rather than vendor defaults.
Redundancy and resilience
Multi-PSP architectures with automatic failover, so a provider incident does not become your incident.
The conversations we have most often with teams in this category.
- Our orchestrator vendor is pushing us to expand. We want an independent view.
- Top-up success rates vary by more than 10 points across our markets. We cannot explain why.
- 3DS is weighing on conversion but compliance does not want us to change the configuration.
- We are scaling quickly and payment cost is growing faster than revenue.
- Investors keep asking about payment KPIs and we do not have a clean narrative.
Tailored to your category, not a generic playbook.
Start with a payment KPI baseline
An investor-grade baseline of approval, cost, fraud and operational metrics by market, by product and by issuer.
Optimize the top-up and checkout flows
The highest-leverage surfaces in any fintech product. We treat them with the rigor they deserve.
Lock in PSP and orchestration strategy
A 24-month architecture view, rather than a point decision, so the next integration is not a year of rework.
Build fraud and 3DS as strategic assets
Not a compliance checkbox. A tuned, segmented system that protects revenue on both sides of the transaction.
Multi-currency wallet. UAE headquartered, four markets
Challenge
Top-up success rates ranging from 79 percent in Egypt to 91 percent in the UAE. Cost per transaction 35 basis points above regional best-in-class. No redundancy on the primary PSP.
Approach
Four-month Optimize retainer. Added a secondary PSP with orchestration, built per-issuer retry logic for soft declines, tuned 3DS challenge thresholds and renegotiated volume tiers.
Outcome
Blended top-up success rate lifted to 92.8 percent. Cost per transaction reduced by 24 percent. Full cross-PSP redundancy in place with sub-second failover. Return on the retainer exceeded 10 times in the first year.
- Top-up success rate
- 84% to 92.8%
- Cost per transaction
- −24%
- Return on retainer (year 1)
- over 10x
See what a VizierPay engagement could look like for your business.
A short call, with questions tailored to your category and your markets.