Know where your payment margin goes.
And win it back.
Oryjin continuously monitors your entire stack, from PSP and acquirer fees to scheme fees, fraud, chargebacks and orchestration, and turns it into decision-grade intelligence.
Built for European merchants doing €2 to 20M GMV a month. A PSP renewal in the next 12 months? That's the best moment to start.
Why Oryjin
The best payment teams don't guess.
They know.
Your payment margin moves every day: a fee, a fraud pattern, a currency, a payment method, a 3DS challenge that fails. Most teams find out later. Oryjin sits outside the payment flow, on your side, so you know first.
- Acceptance PSP, acquirer, scheme, FX€1.42
- Operations 3DS, retries, disputes handling€0.31
- Losses fraud, chargebacks, refunds fees€0.27
- Germany 3DS challenges failing, retried twice+€0.06
- GBP FX markup applied above contract+€0.04
- Recurring MIT retries billed as new attempts+€0.03
- If nothing changes Q4, same mix and volume€2.11
- With the three actions routing, contract line, retry rule€1.86
- Signal sent · Payment Ops · 3DS challenge rate, Germanynow
The product
Four jobs.
One cockpit.
Detect what moved, explain why, plan the quarter, act before it hits the margin. Click through the tour or let it play.
What changed · September
Export- 1Volume tier never appliedDetected€18,400Claim pack ready
- 2Commercial card share up 1.2 ptDrift€2,900 / moMix vs rate isolated
- 3Chargeback ratio on DE Visa at 0.92%Risk€3,400 / moRule change priced
- 4Ask for interchange++ pricingModelled€9k–14k / yrAssumptions shown
Detected = billed above your contract, with payment references. Drift and Risk = measured changes in mix, fees, fraud or disputes, priced. Modelled = an estimate, with its assumptions. Never added together.
Full cost · August vs July
ExportWhere the money went
What moved it
Fee forecast · Q4
Scenarios (7)Alerts
Rules (6)- Adyen effective rate +14 bps vs contract this week€2,140 · probable cause: scheme fee category · finding opened2 min
- Adyen contract renews in 52 daysNegotiation brief ready · a year of volume pricedToday
- DE Visa chargeback ratio at 0.92%, risingVAMP limit 1.5% · 3DS rule change priced at −€2,100 / moMon
- €4,870 recovered from StripeClaim closed · credited on the August invoiceSep 12
Your favourite connectors,
at hand.
Stripe and Adyen connectors keep pulling settlements, fees and authorisations. Every other PSP and acquirer comes in from the contracts, invoices and reports you already have. No integration project.
Who it's for
Three roles.
One set of numbers.
Payment Ops opens it daily, the Head of Payments before every negotiation, the CFO at budget time.
Unlimited users. Independent of your PSP: Oryjin never moves money and never changes a setting.
FAQ
Payment fee questions,
answered.
Because most of the cost sits outside the contract: card mix shifting to commercial cards, scheme fee revisions, cross-border reclassification, volume tiers that reset, FX surcharges, and more refunds, retries and disputes. Oryjin isolates each driver, prices it in euros and shows it the month it starts. Read the guide →
Often, and rarely by design. Oryjin checks every PSP and acquirer invoice and settlement against your contract terms each month: processing, refund and dispute fees, tier rates and uncontracted lines. Anything billed above contract comes with the payment references your provider can verify.
More than the blended rate shows. Oryjin splits the full cost of each payment into interchange, scheme fees, acquirer markup, FX and per-event fees, by card type, market and currency, and states whether each figure is measured from your provider's data or modelled from published schedules. Read the guide →
Start 60 days before renewal, with a year of your own volume priced against the contract. Oryjin produces the negotiation brief, the asks with the evidence behind each, and a fact sheet you can hand to the provider. Read the guide →
Yes. The forecast is built from your own volume, mix and contract mechanics, with a P10–P90 range and named drivers such as an approaching tier or an announced scheme fee revision. Each closed month is then held against the forecast made at its start. Read the guide →
Watch it weekly, not at month end. Oryjin tracks dispute and chargeback ratios by market and card type against the schemes' thresholds, prices the fees and losses at stake, and alerts the right person in Slack or the inbox when a ratio starts to climb. Read the guide →
All of them. We started with native Stripe and Adyen integrations, and more connectors are on the way. Any other PSP or acquirer is covered today by uploading its settlement reports, invoices and contract terms in the dashboard, which adds data sources and context and makes the reconciliation and the reading of your costs more reliable.
Oryjin is not a PSP and not an orchestrator: it never moves money, never changes a setting, and has no stake in which provider you use. Data is hosted in the EU by Scaleway (Paris), never includes cardholder data, and is covered by an NDA before sharing and a DPA from day one.
Early access
Ready to see where
your margin goes?
Onboarding runs on your real data, with a founder on every account. Tell us about your stack and we reply within 24 hours.
Best fit: €2 to 20M GMV a month
All PSPs and acquirers you use
All fields are required. NDA available before any data is shared. Data hosted by Scaleway, Paris region — see our privacy policy.
Applications are reviewed in the order received.
Meanwhile, follow Oryjin on LinkedIn:
→ linkedin.com/company/oryjin-payment-intelligence
