Payments strategist · Netherlands
Payments performance, from both sides of the transaction.
Thirteen years turning payment data into revenue — first running payments for a global subscription business, then advising enterprise merchants at Checkout.com and Airwallex. I find where authorisations are lost and fix it, end to end.
Staff Optimization Consultant, Airwallex · Netherlands · Previously Checkout.com, Flywire, Financial Times
Approval rate is a system output
Seven stages decide whether a good customer gets through.
The funnel
The path I trace — a decline is rarely one thing
INT
Integration
integration quality and message completeness
CHD
Cardholder data
data quality, tokens, recurring indicators
3DS
Authentication
3DS/SCA strategy, challenge behaviour
RSK
Risk decisions
fraud controls vs. false declines
ISS
Issuer behaviour
issuer-specific rules and decline patterns
RTE
Routing
acquiring setup and routing strategy
AUTH
Authorisation
approval rate, cost, customer experience
In short
I find where good customers get declined, and fix the system that declines them.
I advise global enterprise merchants and payment service providers on converting payment performance into revenue. I own the analysis and the playbooks behind the recommendations, and build the automation and applied-AI tooling that lets them scale past one merchant at a time.
See the workPayment performance is an end-to-end system, not a decline code on a dashboard.
Merchant side first, then the PSP side.
Browse
- 02WorkAuthorisation uplift, network tokenisation, 3DS/SCA strategy, fraud mitigation and the playbooks behind them.
- 03ExperienceFinancial Times, Checkout.com, Flywire, Airwallex — merchant side first, then the PSP side.
- 04AboutHow I work, what colleagues say, and the things with checklists outside the day job.
- 05ContactAdvisory engagements, expert calls, speaking and senior payments roles.