Mismanaged merchant accounts leading to high reserves, excessive fees, and operational inefficiencies.
Brett managed a collection of health supplement brands with a complex payment setup. Before working with us, his merchant accounts were plagued by inefficiencies:
Excessive reserves held unnecessarily by processors.
Higher-than-necessary processing rates eating into profits.
An overabundance of accounts creating administrative headaches.
These issues significantly impacted the company’s profitability and hindered Brett’s ability to focus on growth
We began by conducting a thorough assessment of Brett’s payment systems, identifying key areas for optimization. Our approach included:
Renegotiating contracts to reduce fees and release unnecessary reserves.
Consolidating merchant accounts to streamline operations and reduce redundancy.
Proactively communicating with the finance team to ensure smooth reserve releases and account transitions.
Our work had a tremendous impact on Brett’s bottom line:
Processing rates were reduced significantly(+30%), saving thousands monthly.
$100K+ Reserve releases returned critical cash flow to the business.
Streamlined accounts improved operational efficiency and clarity.
Testimonial:
“Dimitri identified huge opportunities to help. He got to work very quickly—reducing rates, getting reserves released, and tightening up our systems. The impact on the bottom line has been tremendous.”
High chargeback rates, undiversified merchant accounts, and poor approval rates.
Dante’s business was struggling with an inefficient payment setup:
High chargeback rates put his accounts at risk of being shut down.
A lack of good MIDs left the business vulnerable to volume fluctuations.
We stepped in to overhaul Dante’s payment systems with a comprehensive strategy:
Optimized mids to improve approval rates and reduce declines.
Secured better terms and reduced reserves through proactive negotiation.
Implemented risk management practices to mitigate chargebacks and stabilize operations.
Our work had a tremendous impact on Brett’s bottom line:
Approval rates increased by 20%, driving significant revenue growth.
Chargebacks were reduced by 30%, minimizing the risk of account shutdowns.
Diversified payment infrastructure provided long-term stability and scalability.
Testimonial:
“Dimitri took the responsibility of payments off my hands and added a crazy ROI to our bottom line. More importantly, I sleep easy at night knowing my business can weather any storm.”
We quickly divided their testing into micro and macro split tests with respect to the traffic they’d be able to push each time.
We focused on needle-moving tests and
1) how long to run them for, and
2) How to call them.
We used leading and lagging KPIs to help call each test once we had enough statistical significance and a post-split test analysis was used to get total profit per visitor and see the customer’s whole buying journey.
Not only were we able to more confidently “call” split tests but we now had accurate data to support the decision to either push the variation live, kill it, or iterate on a new version.
Furthermore, we now had a proven method to create new ideas faster and discard ones we thought would not move the needle fast enough and far enough.
The objective was to create and deliver a Chargeback Mitigation Strategy. We took a top-of-the-funnel approach. Starting with a complete review of the sales funnels, customer acquisition channels (paid and organic campaigns), post sale and customer support channels. We quickly found a number quick fixes that provided easy wins and bought Tracy and the team some time to implement some longer term solutions that we identified around pricing and customer support. We also onboarded them with the best suited dispute alert platform to bring down their overall chargebacks.
By taking the time to understand the “Chargeback Chain”, the multiple touch points that can result in friction and lead to a chargeback, we were able to help Tracy and team regain operational control. We created a strategy focused on increasing transparency, customer support and leveraging the best tools to bring those numbers down.
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