Payments consulting that scales with you
From gateways and orchestration to checkout optimisation and settlement—we help you build a payment stack that supports growth instead of holding it back.
Talk payments with us
Where we focus
We advise on the full payment lifecycle: how you take money, how you report on it, and how your merchants and operations experience it.
Gateways & orchestration
Selection, integration patterns and orchestration design so you route intelligently, handle retries and fallbacks, and keep control of your payment flow.
Checkout & 3DS experience
Checkout optimisation and 3DS strategy so conversion stays high while you meet Strong Customer Authentication and scheme requirements.
Merchant experience & ops
Onboarding, settlement visibility, dispute handling and reconciliation so your merchants and back-office teams have clarity and fewer exceptions.
Settlement, reconciliation & partner enablement
We help you design settlement and reconciliation operations that scale—and we can connect this to AI and automation where it makes sense. We also support partner and reseller enablement so your payment capabilities can be offered through channels.
Frequently asked questions
What does payments consultancy at RATE-IT include?
We advise on gateways, orchestration, 3DS and checkout experience, merchant experience, settlement and reconciliation operations, and partner enablement. We help you choose, integrate and optimise your payment stack.
How can you help with payment gateway selection?
We assess your volumes, geography, product mix and compliance needs, then shortlist and compare gateways and acquirers. We help you evaluate total cost, API fit, and operational support so you make an informed choice.
What is payment orchestration and when do I need it?
Orchestration sits between your systems and multiple gateways or acquirers. It helps with routing, retries, fallbacks and reporting. We help you decide if orchestration is right for you and how to design it without over-engineering.
How do you improve ecommerce checkout and conversion?
We review your checkout flow, payment messaging, 3DS experience and error handling. We recommend UX and technical changes that reduce friction and abandonment while keeping compliance and security in place.
Do you help with 3DS and Strong Customer Authentication?
Yes. We advise on 3DS strategy and implementation at a high level: when to challenge, how to keep friction low, and how to align with issuer and scheme requirements. We don’t implement 3DS for you but we guide design and vendor choices.
Can you help with settlement and reconciliation operations?
Yes. We help design and improve settlement visibility, reconciliation workflows and exception handling. This often ties into your back-office and reporting—and we can connect this with AI and automation where it fits. See our AI consulting and ecommerce pages for more.
Ready to optimise your payment stack?
From gateway selection to checkout and reconciliation—we work remotely with teams everywhere.
Get in touch