For ecommerce entrepreneurs, ecommerce consultants and agencies:
Unlock over 24 years of global, online payment expertise
Increase Profit, Convert More Customers And Protect Your Business Against Fraud 
We are a results-based consultancy that will help you (or your clients) negotiate with world-leading payment and risk providers to reduce processing costs, convert more customers, and eliminate fraud. 
100% free of charge. We usually reply within 24 hours

Payment is our passion.
24+ Years of Global Payment Expertise
We have helped businesses of all sizes, from startups to Fortune 500 companies, improve their payments set-up and strategy. We understand the challenges that businesses face when it comes to payments and the large array of providers and we navigate and identify the best solutions for your needs.

Increase Profit and Optimize Payment Method Mix


  • We will analyze your current payment processing set-up, user experience and authorization rates to identify areas where you can convert more customers and reduce payment processing expenses
  • ​We can help you increase revenue by optimizing your payment method mix and align the most popular payment methods per region.
  • ​We will thoroughly evaluate your user experience and checkout to ensure you are reducing friction and providing a seamless customer journey to keep your customers coming back

Fraud Management & Declined Payment Recovery

  • We have built direct relationships with the world's best payments providers and risk management solutions to ensure you maximize profit while keeping ‘bad actors’ out
  • ​We deeply evaluate failed payments & authorization rates to see where missed opportunities lie to immediately increase revenue
  • ​We dive into your fraud and chargeback management rules to ensure you are aligned to industry best practices for both your domestic and international regions to keep your customer reviews in good standing

Client-First and Results-Based Consultancy

  • We are a client-first and results-based consultancy. We will not charge you for our services if we cannot identify ways to reduce your payment acceptance costs, minimize fraud & chargebacks, or increase your revenue opportunity.
  • ​We are a long term partner you can trust. We strive to not only work with our clients in the short term, but build a life long relationship that grows alongside your business.
If you are looking for a way to improve your payments, we encourage you to contact us for a free consultation.

We would be happy to discuss your needs and how we can help you achieve your goals.

Are You Ready To Save Money And Increase Your Revenue?

What others are saying:
Case studies and results with brands we worked with
More video testimonials in English coming soon. :)

Moritz Wahrlich 
von HolyEnergy GmbH

Felix Kleine 
von Womiva GmbH

Manuel Simon 
von Igel GmbH

Founder and experts

Lars Funke, "The Master Yoda of Payment", Founder

EU-based payment service provider expert and independent online payment advisor.
For more than 9 years Lars Funke has been working in various areas of online payments. In particular, he focuses on the wishes and concerns of the merchant. This was also one of the reasons that led him to switch to independent consulting. After all, with an expert on a payment service provider's payroll, the merchant will never be the focus, and holistic and neutral consulting is also only possible if independence is guaranteed.

After more than 6 years of working in a leading position for a payment service provider, the foundation for independent, holistic and neutral consulting was laid by founding PaymentConcept.

Since then, Lars has already been able to successfully optimize fees for many online merchants and the risk assessments offered provide more transparency and clarity in the companies' internal processes. In the long run, this leads to the avoidance of default risks and quality problems.

In this context, not only fee optimization but also risk analysis and fraud prevention are part of his portfolio and provide more security and transparency for both the online merchant and the affiliated payment service providers.

In addition to his experience in online payments, Lars also has more than 12 years of experience in customer service, warranty processing, repair management and reverse logistics.

Michael Ramsey, Independent Advisor

US-based payment service provider expert and independent online payment advisor.
Meet Mike Ramsey, a seasoned professional in the financial services industry with nearly 20 years of experience. For the past 13 years, Mike has been instrumental in helping online brands achieve global growth by enhancing their accounts receivable, payments, and risk mitigation strategies.

With his extensive background, Mike possesses a comprehensive understanding of global payments. He has worked with a prominent global bank as well as three different international start-ups, collaborating with brands from around the world. His expertise lies in enhancing operational efficiency, reducing payment processing costs, optimizing customer experience, and driving profitability.

Recognizing the limitations of existing payment providers, Mike desired to work independently with brands. This way, he could offer customized and solution-oriented approaches to cater to each client's specific business needs.

Working independently allows Mike to assess his merchants' payment and fraud strategies without any risk, ensuring long-term success and growth. This approach positions Mike as a reliable and trustworthy partner who advocates for his clients both in the short and long term.

Natasha Cosme, Strategic Account Executive

Natasha Cosme is a Strategic Account Executive in Global Sales at Paymentconcept. With five years’ experience in data analysis and sales, she advocates for customers' best interests. Natasha helps navigate the complexity of solutions available to our customers. 

By focusing on aligning with customers business goals she builds relationships based on trust and communication. With a degree in computer science and a veteran in the US Army, integrity and hard work is at the core of her business approach.

Natasha is an avid foodie and traveler, she loves experiencing new cultures and finding new hot spots in her local city of Austin, TX. 
What happens next:
How to get the best payment conditions
and increase your profits

Things you should know before booking a call with us:

  • We are independent and unbiased, so you can be sure that we are looking out for your best interests.
  • We have a holistic approach to our reviews, so we will consider all aspects of your payments, including your current payment methods, your target markets, and your business goals
  • We work quickly and efficiently, so you will not have to wait long to see results.

STEP 1: FREE POTENTIAL ANALYSIS

In the first step, we contact you to calculate an initial estimate of your potential savings. 

STEP 2: APPOINTMENT WITH LARS OR MICHAEL

In your appointment with our experts Lars or Michael, you will receive intensive advice and find out which savings options are available and which changes are possible.

STEP 3: THE NEGOTIATION

After the negotiations with your service provider, we submit you the new proposal with your improved conditions.
Find out how much profit you are missing out on! (100% free consultation)
Working with us is easy and discreet. We attach great importance to quick feedback, suitable solutions and precise implementation.
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