15 days — full audit delivered
No system access needed
2 documents. That's all.
Now accepting early access

Stop losing margin
in payments.

Most companies pay their PSP more than their contract says.
We can tell you exactly how much — in 15 days, with documents you already have.

Built by a team who have worked inside

The reality of payment costs

The numbers your PSP
doesn't highlight

A blended view of where your acceptance cost actually lands — and the drift your provider never flags.

Effective cost of acceptance Live
Blended effective rate
0.00%
vs contracted 1.71%
+23 bps drift
Interchange0.74%
Scheme fees0.39%
PSP markup0.41%
FX / cross-border0.17%
Drift vs contract0.23%
On €5M/month, that +23 bps is ≈ €138K/year no provider will flag.

Illustrative example — your real figures are confirmed line by line in the audit.

The method

Send what you have.
Get what you're owed.

No integration. No system access. No onboarding call. Just two documents — and 15 days.

01
We sign an NDA + contract
Before you share anything, we sign a mutual NDA and service agreement. Your documents are legally protected from the first exchange.
02
You share two documents
Your signed merchant agreement + last 3 months of billing statements. Sent securely — stored on EU servers, used only for your audit.
03
We cross-reference everything
Every fee line. Every contracted rate. Every billing period. Line by line, clause by clause.
04
You receive your finding
Every gap quantified in euros, with the exact evidence to recover it. Delivered in as little as 15 days.

Who this is for

Built for one problem.
Not everything.

We keep the scope tight on purpose — so the audit is fast, the finding is real, and you don't pay for work that doesn't apply to you.

Good fit
  • Processing €2M–€20M/month through one or more PSPs
  • A signed merchant agreement on file — single or multi-PSP (Adyen, Stripe, Mangopay, Worldline, Checkout.com…)
  • Multi-currency billing or multi-payment methods — FX markup errors are among the most commonly missed gaps
  • Finance, CFO, or Head of Payments can access the last 3 months of billing statements
  • You've never had your PSP contract cross-checked against what you were actually billed
Not the right fit
  • Processing under €1M/month — the audit ROI won't be there yet
  • No signed merchant contract — usage-based or self-serve plans have no contract to audit against
  • Processing over €20M/month with multi-continent operations — complexity requires a custom engagement scope
  • Already running internal audits with a dedicated payment specialist team

Your PSP owes you money.
Let's find out how much.

No gap, no fee. If we don’t find recoverable savings, the audit costs you nothing — and you get the answer in 15 days.*

* If we do find a gap, a fixed fee applies — typically a fraction of what we recover.

We focus on €2M–€20M/month

All PSPs you use — multi-PSP setups welcome

All fields are required. We sign an NDA before any document is exchanged. Data stored on EU servers.
We'll respond within 24 hours.

Application received.
We'll review your submission and reach out within 24 hours.

Follow oryjin on LinkedIn for weekly payment intelligence:

→ linkedin.com/company/oryjin-payment-intelligence

Questions

Everything you need to know

You share two documents — your signed PSP merchant agreement and your last 3 months of billing statements. We cross-reference every fee line against your contracted rates and return a report quantifying each gap in euros within 15 days. No system access, no integration.

Industry analysis shows European merchants routinely pay 0.10%–0.40% above their contracted rate. On €1M/month that's around €48,000 a year; on €5M/month it exceeds €240,000.

All major European PSPs — Adyen, Stripe, Mangopay, Worldline, PayPal, Braintree, Checkout.com and others. The audit is document-based, so it works with any provider that issues a signed agreement and itemised statements. Multi-PSP setups are fully supported.

Yes. Your documents are reviewed solely for your audit and never shared. Submissions are encrypted with AES-256-GCM, and an NDA is signed before any document is exchanged.

As little as 15 days from the moment you share your two documents — no onboarding, no integration, no upfront meetings.

Security & data handling
AES-256-GCM encrypted submissions
HTTPS / TLS 1.3 in transit
GDPR-aligned · EU data handling

Your documents are reviewed exclusively for the purpose of your audit. Application data is encrypted before transmission using AES-256-GCM — only oryjin can decrypt it.