https://oryjin.com/learn Guides for finance teams on what payments cost and how to lower it. en Sat, 26 Sep 2026 00:00:00 GMT https://oryjin.com/psp-fees-vs-contract https://oryjin.com/psp-fees-vs-contract Sat, 26 Sep 2026 00:00:00 GMT Your PSP contract didn't change, yet the effective rate went up. The six drivers behind payment fee drift, how to check billing against contract, and what to claim back. https://oryjin.com/scheme-fees-interchange https://oryjin.com/scheme-fees-interchange Sat, 26 Sep 2026 00:00:00 GMT Interchange, scheme fees, acquirer markup, FX and per-event fees: the anatomy of a European card payment, which layers are capped, which are rising, and how to measure yours. https://oryjin.com/psp-contract-renegotiation https://oryjin.com/psp-contract-renegotiation Sat, 26 Sep 2026 00:00:00 GMT A practical method to renegotiate a PSP or acquirer contract: start 60 days out, price a year of your own volume against the contract, build the asks with evidence, and know what to concede. https://oryjin.com/payment-cost-forecast https://oryjin.com/payment-cost-forecast Sat, 26 Sep 2026 00:00:00 GMT How to forecast payment processing costs from volume, mix and contract mechanics, why a range beats a point estimate, and how to hold each month against the forecast made at its start. https://oryjin.com/chargeback-ratio-thresholds https://oryjin.com/chargeback-ratio-thresholds Sat, 26 Sep 2026 00:00:00 GMT What the chargeback and dispute ratios are, how the card schemes' monitoring programmes and thresholds work, what a breach costs, and how to watch the ratio weekly by market and card type.