Q: How much will cart abandonment actually drop?

Industry average is 70%. Paybyrd merchants see 51–58% abandonment — a 12–19 percentage-point improvement. The levers: one-page mobile-first checkout, locally relevant methods (MB Way in PT, iDEAL in NL, Klarna EU-wide), native wallet fast-path, and smart-retry on soft declines. KuantoKusta saw a 19% abandonment drop in the first 60 days after switching.

Q: What about transaction latency at peak?

Scoring latency is sub-50ms P95. End-to-end payment authorization averages 680ms including 3DS challenge prompts. Infrastructure is multi-region active-active across EU and Americas with auto-failover. 99.995% uptime SLA in our enterprise tier. During Black Friday 2024, Paybyrd processed 14× average volume with zero customer-visible degradation.

Q: How do you reduce fraud and chargebacks?

Real-time scoring on 47 signals per session: IP intelligence, device fingerprinting, velocity counters, email reputation, behavioral biometrics (mouse dynamics + keystroke cadence), and ML risk models. 3DS fires only on flagged transactions so the 99.92% of legit customers sail through. Our merchants see −38% chargebacks on average, with a 0.08% false-positive rate.

Q: PCI compliance, GDPR, data residency — how's that handled?

We're PCI DSS Level 1 certified (audited annually by an external QSA). Tokenization reduces your PCI scope to SAQ-A — the lightest assessment. GDPR: all EU merchant data is processed and stored in EU regions (Frankfurt + Dublin), no data ever leaves the bloc unless you explicitly opt in. PSD2 SCA and 3DS2 are built in, not bolted on.

Q: What happens if a customer disputes a transaction?

Paybyrd pre-assembles the evidence package: transaction metadata, IP, device fingerprint, 3DS authentication result, delivery confirmation (if provided), and scoring history. Your team reviews and submits with one click. Win rates on disputes run 2.8× the industry average. If a chargeback is clearly fraud our team represents the case on your behalf.

Question 1

Can I keep my current e-commerce stack?

Accepted Answer

Yes. Paybyrd plugs directly into WooCommerce, Magento, PrestaShop, Shopify, nopCommerce, and any custom stack via a single REST API. No re-platforming. No retraining. No disruption. Most merchants install the plugin, run a test transaction, and are processing real payments the same afternoon.

Question 2

How fast will I actually go live?

Accepted Answer

Under 4 hours is the average — signup to first real transaction. KYB verification runs automated for most businesses (completes in ~15 minutes). Plugin installs take one click. Integration test, webhook verification, and you're live. For custom API work, typical merchants ship in a day; complex enterprise rollouts complete in a week.

Question 3

Is the migration painful? What if it breaks my site?

Accepted Answer

You migrate at your own pace. Paybyrd runs in parallel with your current gateway — switch 10% of traffic, verify the conversion numbers, then move the rest. Our onboarding engineers shadow your team through the first 72 hours with a shared Slack channel. Zero downtime is the default, not the premium tier.

Question 4

Why are your approval rates better than Stripe or Adyen?

Accepted Answer

Three reasons. (1) Smart routing — we try multiple acquirers in milliseconds on soft declines, where single-acquirer gateways just give up. (2) Local acquiring in 40+ countries means cards are processed in-country, not cross-border — typically worth 2–4pp of approval rate alone. (3) 3DS orchestration that triggers only when risk signals warrant it. Net result: +4.7pp average approval lift vs. industry, independently measured in production for TAP Air Portugal and KuantoKusta.

Question 5

Won't a new checkout slow down my site?

Accepted Answer

The opposite. Our hosted checkout loads in <400ms on 4G mobile (real user monitoring, 95th percentile). The inline SDK is 18KB gzipped. Apple Pay, Google Pay, and saved cards fast-path bypass the full form entirely — most returning customers complete checkout in under 3 seconds end-to-end. We publish our Core Web Vitals monthly.

Question 6

How much will cart abandonment actually drop?

Accepted Answer

Industry average is 70%. Paybyrd merchants see 51–58% abandonment — a 12–19 percentage-point improvement. The levers: one-page mobile-first checkout, locally relevant methods (MB Way in PT, iDEAL in NL, Klarna EU-wide), native wallet fast-path, and smart-retry on soft declines. KuantoKusta saw a 19% abandonment drop in the first 60 days after switching.

Question 7

What about transaction latency at peak?

Accepted Answer

Scoring latency is sub-50ms P95. End-to-end payment authorization averages 680ms including 3DS challenge prompts. Infrastructure is multi-region active-active across EU and Americas with auto-failover. 99.995% uptime SLA in our enterprise tier. During Black Friday 2024, Paybyrd processed 14× average volume with zero customer-visible degradation.

Question 8

How do you reduce fraud and chargebacks?

Accepted Answer

Real-time scoring on 47 signals per session: IP intelligence, device fingerprinting, velocity counters, email reputation, behavioral biometrics (mouse dynamics + keystroke cadence), and ML risk models. 3DS fires only on flagged transactions so the 99.92% of legit customers sail through. Our merchants see −38% chargebacks on average, with a 0.08% false-positive rate.

Question 9

PCI compliance, GDPR, data residency — how's that handled?

Accepted Answer

We're PCI DSS Level 1 certified (audited annually by an external QSA). Tokenization reduces your PCI scope to SAQ-A — the lightest assessment. GDPR: all EU merchant data is processed and stored in EU regions (Frankfurt + Dublin), no data ever leaves the bloc unless you explicitly opt in. PSD2 SCA and 3DS2 are built in, not bolted on.

Question 10

What happens if a customer disputes a transaction?

Accepted Answer

Paybyrd pre-assembles the evidence package: transaction metadata, IP, device fingerprint, 3DS authentication result, delivery confirmation (if provided), and scoring history. Your team reviews and submits with one click. Win rates on disputes run 2.8× the industry average. If a chargeback is clearly fraud our team represents the case on your behalf.

Question 11

What does it cost? Any hidden fees?

Accepted Answer

From 1.25% + €0.08 per transaction, depending on volume and method mix. €0 setup. €0 monthly. €0 for chargebacks in your first 30 days. No minimum volume, no per-API-call fees, no markup on cross-border that isn't already disclosed. We publish our full rate card; we don't negotiate it behind closed doors and then charge you more.

Question 12

What if my current provider is cheaper on paper?

Accepted Answer

Usually they're not once you add the cross-border surcharge, the PCI audit fee, the chargeback fee, the monthly platform fee, the authorization fee, and the ad-hoc FX markup. We built a TCO calculator that accepts your last three months of statements and shows the real number. Merchants who switch see an average effective-rate drop of 12%, before approval-rate gains.

Question 13

Can I cancel anytime? What's the lock-in?

Accepted Answer

Cancel anytime with 30 days' notice — no termination fees, no exit penalties. The first 30 days include a money-back guarantee on all commissions if you're not satisfied. No multi-year contracts. No break clauses that only protect us. If we're not earning our 1.25% every month, you shouldn't be paying it.

Question 14

Who do I call when something breaks at 2am?

Accepted Answer

A human, in Portuguese, English, Spanish, or French. Median response time for priority tickets: 4 minutes. Our 24/7 support team is based in Lisbon and Madrid — not outsourced, not a chatbot tree. Every Paybyrd merchant gets a dedicated account manager from day one, with their direct line on file. During outages you get a WhatsApp update every 15 minutes, not a status page that lags reality.

Question 15

How do refunds and reconciliation work?

Accepted Answer

Refunds: one click in the dashboard or one API call — processed instantly with an ARN reference returned to the customer on the spot. Reconciliation: AI-powered dashboards unify across your webstore, marketplaces, BNPL providers, and POS. Gross settlement means your bank receives predictable daily payouts — no surprise fee deductions at month-end. Webhooks fire into your ERP automatically.

Question 16

Can I expand internationally without payment expertise?

Accepted Answer

That's exactly what Paybyrd was built for. 20+ methods, 192+ currencies, local acquiring in 40+ markets. Launch in a new country with one API call — the right methods, the right currency, the right compliance, the right language — all surface automatically based on the customer's IP and browser. No new integration per country.

Question 17

What makes Paybyrd different from Adyen or Stripe?

Accepted Answer

We're not trying to be the biggest, we're built to be the best for merchants who process €1M–€500M/year. That band is underserved by giants (who focus on the Fortune 500) and undercapacitated by small processors. You get Fortune-500-grade infrastructure with a named human account team that actually picks up the phone. Our approval rates consistently beat the large processors by 1.7–4.9% in head-to-head production tests.

De checkout
die de verkoop afrondt.

7 van de 10 winkelmanden verdwijnen.
Hier zijn de vier fixes.

Live voor de lunch.
Niet volgend kwartaal.

De checkout waar
niemand wegloopt.

Stop met gissen waarom
klanten weglopen.

Elke euro verantwoord.
Direct.

Conversie is vijf klussen.
Goed uitgevoerd.

Mobiele checkouts
zonder typen.

De 47 goedkeuringen
die je gateway verliest.

Blokkeert fraude.
Niet je klanten.

De 14e zou niet
je subs moeten slopen.

Juiste methode. Juiste land.
In één keer goed.

Elke decimaal
is een getal op een P&L.

Paybyrd vs. de concurrentie.

Jouw omzet,
in beweging.

Fraude stopt.
Jij niet.

Configureerbare rule engine

Device intelligence

Gedragsbiometrie

Real-time verrijking

Shadow mode

AI-case review

Multi-tenant hiërarchie

Analytics-dashboard

Het volledige antifraude-platform
gaat dieper.

Geloof ons niet op ons woord.
Geloof hen.

Elk bezwaar.
Elk recht-voor-z'n-raap antwoord.

Nog aan het twijfelen?
15 minuten met een payment specialist.

De checkout die de verkoop afrondt.

Live voor de lunch. Niet volgend kwartaal.

De checkout waar niemand wegloopt.

Stop met gissen waarom klanten weglopen.

Elke euro verantwoord. Direct.

Mobiele checkouts zonder typen.

De 47 goedkeuringen die je gateway verliest.

Blokkeert fraude. Niet je klanten.

De 14e zou niet je subs moeten slopen.

Juiste methode. Juiste land. In één keer goed.