Independent payments advisory for merchants processing $25K+/month
Lower Processing Costs.
Strengthen the Stack.
Ospina helps merchants reduce payment costs, improve processor fit, and build more resilient fraud and chargeback operations.
If your statements are hard to read, your support is weak, your approval rates feel soft, or your chargebacks are absorbing too much time and margin, start with a free processing review.
Most merchants do not just have a rate problem.
They have a visibility, support, and risk-management problem.
Processing costs rarely come down to one number. Margin leaks through pricing structure, gateway setup, avoidable downgrades, weak fraud tooling, and bad dispute workflows.
Overpaying without realizing it
Statements are opaque. Fees stack quietly. Pricing is hard to benchmark, and nobody explains where the margin is going.
Approval friction
Good transactions get declined, checkout flows break, and processor setup does not match how the business actually sells.
Chargeback drag
Disputes become a manual fire drill. Evidence is inconsistent. Alerts come late. Internal teams spend time reacting instead of controlling the problem.
Single-point-of-failure risk
If too much volume or operational dependency sits with one processor, gateway, or fraud provider, a policy change or termination can become a revenue problem overnight.
Built Under Real Pressure.
Not plug-and-play generic solutions sold the same way to every merchant.
Ospina has managed payments infrastructure for businesses processing $10M+/month in card volume, including high-risk categories where processor continuity, chargeback control, and fraud losses were existential.
That work involved processor selection, gateway decisions, pricing negotiation, interchange awareness, compliance coordination, dispute operations, and the judgment required when a payments issue can hit revenue immediately.
Processor relationships managed across complex operating environments
Experience in categories where chargeback performance could determine survivability
Internal workflows built for fraud, disputes, evidence, and monitoring
Ongoing involvement after placement to help the setup continue performing
“I've dealt with 85K merchants during my time in the payments industry. Every so often, one will stand out as an exceptional player. You fall into that category and I have no doubt we'll work together on your next venture.”
A Processing Review That Looks At The Full System.
Not just rates. Not just one statement line.
Processor and gateway fit
Is the current setup appropriate for the business model, sales motion, risk profile, and growth plans?
Pricing and fee structure
Identify obvious cost leakage, unnecessary complexity, and places where the economics can improve.
Interchange and transaction quality
Spot avoidable downgrades, routing issues, and operational patterns that create unnecessary cost.
Fraud and chargeback operations
Review alerts, tooling, response workflow, evidence quality, and where preventable losses are slipping through.
Risk posture and account durability
Assess whether the current setup is stable enough for the business you are actually running, including concentration risk across processors, gateways, and key vendors.
ACH, BNPL, and alternative rails where relevant
For some businesses, the right answer is not only optimizing cards. It is improving the broader payment mix across ACH, installment options such as Afterpay, and other rails that fit the business better.
What This Looks Like In Practice.
The work is operational. The outcomes are measurable.
Chargeback rate reduced within 60 days
On approximately $10M/month in volume, that meant roughly $60K/month less disputed volume and a much safer posture with banking partners.
Processor termination reversed after a major dispute surge
A failing situation was reframed into a structured recovery path through risk analysis, operational transparency, and direct work with processor and bank leadership.
Merchant-side validation from payments leadership
Written praise from a payments executive with experience across more than 85,000 merchants.
Independent Advice. Long-Term Incentive.
Ospina is not the processor.
If a processor introduction makes sense, Ospina works through a vetted partner network and is compensated by the processor, not by marking up the merchant's rates.
The merchant's cost should be the same or lower than going direct, while getting a more informed review and ongoing involvement from someone whose incentive is tied to long-term account health.
This is not a one-time handoff. If the fit is right, Ospina stays involved to help make sure the processing setup continues to perform as the business changes.
Who This Is For
Best fit for businesses processing at least $25K/month in card volume, or dealing with meaningful payment friction today.
Request Your Free Processing Review.
One question at a time. Clear next step. No obligation.
Share a few details about your business and current setup. If there is a meaningful opportunity to improve cost, processor fit, fraud controls, chargeback handling, or overall payment infrastructure, you will get a practical next step.
If there is nothing material to improve, you will hear that plainly.