Optimise. Reduce. Streamline.
We review your acquirer statements, scheme invoices and transaction data line by line to find where you are overpaying: downgraded interchange, scheme fee errors, above-market acquirer markups and avoidable cross-border charges. Then we help you fix it with your existing providers, so you keep more of every sale.
WHAT OUR CLIENTS TYPICALLY SEE
Up to 35%
Lower processing costs
We find and remove hidden fees, fix interchange qualification, and challenge acquirer markups and scheme fee pass-through.
Up to 12 months
OVERCHARGES RECOVERED
We check every line of your acquirer statements and scheme invoices for mis-billed fees and incorrect charges, then claim refunds on your behalf, going back as far as your contract allows.
Zero
CHANGES TO YOUR CHECKOUT
We help you renegotiate pricing with your existing acquirers and payment partners. There’s no new integration, no migration and no disruption to your customers.
*Actual savings depend on volume, card mix and current set-up.
Expertise in Payment Systems
We focus on one thing: making your payments cost less. Having led payment optimisation for major global merchants processing billions of dollars, and held senior roles at Visa, Worldpay and PayPal, we've seen the payment chain from every side. We use that experience to cut processing costs and recover what you've been overcharged.
Full visibility
OF YOUR TRUE PAYMENT COSTS
A clear breakdown of what you really pay per transaction, by card type, market and provider. For many merchants it’s the first time they’ve seen it.
Negotiation support
BACKED BY INSIDE KNOWLEDGE
We've worked inside Visa, Worldpay and PayPal, so we know how acquirers price. We give you the evidence to negotiate from a position of strength.
Savings that last
THROUGH ONGOING REVIEW
Regular checks of your statements stop new fees and billing errors from creeping back in, so the savings keep showing up year after year.
GET TO KNOW US
CEO
noman.burki@paymentoptimisation.com
Noman is a payments leader with 15 years of experience, specialising in interchange optimisation, scheme fees, pricing and payment operations.
He has held roles across some of the world’s leading payments organisations, including Worldpay, Visa, PayPal, Elavon and Network International.
Most recently, as SVP at CellPoint Digital, Noman led payment optimisation initiatives across airlines and major merchants, identifying cost-saving opportunities and improving payment performance.
He brings deep commercial and technical payments expertise, with a strong track record of turning complex payment data into measurable cost savings and improved profitability.
CCO
ciaran.wilson@paymentoptimisation.com
Ciaran is a payments and fintech leader with 20 years of experience across banking and payments, specialising in senior relationships with large, multi-market merchants.
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He has held senior roles at Bank of Ireland, Rasameel Investment Bank, Mashreq Bank and CellPoint Digital.
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Most recently, as Head of Sales at CellPoint Digital, Ciaran worked with airlines and travel merchants across the Middle East and Africa on their payment set-ups, cross-border transactions and acquirer arrangements.
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He brings deep regional knowledge and long-standing relationships with finance, treasury and payments teams, and leads client relationships at Payment Optimisation.
Saloni Burki
CFO
Saloni is an accomplished finance professional, business leader and entrepreneur, with a background spanning financial management, business ownership, real estate investment and strategic commercial development.
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Previously Chief Financial Officer at Mayfair Recruitment, she brings experience in financial planning, budgeting, business strategy and operational management, and in supporting sustainable business growth.
Frequently asked questions
Will we need to change acquirer or payment provider?
Not at all. The savings usually sit inside your current agreements, in pricing, fee categories and billing errors. Your existing partners stay in place and your checkout is untouched.
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Who leads the conversation with our acquirers?
You do. We prepare the benchmarks, findings and supporting evidence so your team goes into those discussions well-informed and in control. We're on hand throughout, and can join meetings if you'd like.
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What information do you need?
Typically three months of acquirer statements and scheme invoices, and transaction-level data if you have it. After a short kick-off call, we take it from there with minimal input from your team.
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How do you handle our data?
An NDA is signed before anything is shared. Your data is used solely for the review and handled securely throughout.
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How quickly will we see results?
You'll receive initial findings from the free statement check within about a week. The full review and action plan normally follows within three to four weeks of receiving your data.
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What does it cost?
Nothing upfront. The statement check is free, and we only earn a fee as a share of the savings you actually achieve. No savings, no fee.
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What kind of businesses do you work with?
Online merchants with meaningful card volumes: e-commerce, travel and airlines, marketplaces, retail and subscription businesses.