BORIS GRAMOND
I operate and optimize payment systems under real conditions.
For PSPs, online gaming operators, and high-risk businesses operating in cross-border and complex acquiring environments.
I work with your team, PSPs, acquirers, and banking partners to manage and improve payment performance, routing, and processing continuity on a daily basis.
25+ years operating payment systems across operator, provider, and banking environments, with exposure to platforms processing multi-million transaction volumes and significant payment flows.
Operating payment systems since 1997
I started in digital commerce when online payments were still being built.
Since then, I have founded and led multiple payment businesses — including PSPs, card issuing platforms, and high-risk payment infrastructures operating across Europe, North America, and Asia.
I've worked directly with acquiring banks, payment processors, and financial institutions to build, scale, and stabilize systems processing real transaction volume.
This includes:
- Building payment platforms from the ground up
- Structuring acquiring networks across multiple jurisdictions
- Operating in high-risk industries under constant banking and regulatory pressure
- Integrating crypto and alternative payment flows into production systems
I do not work on theoretical models or isolated recommendations.
I work on live payment systems — where performance, stability, routing quality, and banking relationships directly impact revenue over time.
What I do in practice
I work directly inside payment systems under real conditions — volume, risk, banking constraints, provider dependency, and ongoing operational pressure.
Authorization & Decline Analysis
I analyze issuer responses, decline codes, and routing logic to identify where transaction performance weakens — and improve the underlying causes on an ongoing basis.
- BIN-level performance analysis
- Smart routing adjustments
- Acquirer fallback strategies
- Reduction of false declines
Payment Infrastructure Stabilization
I monitor weak points in the payment stack, improve resilience, and reduce recurring failure patterns before they impact revenue.
- Multi-PSP architecture
- Failover design
- Redundancy across regions and providers
- Transaction flow debugging
Acquiring & Banking Management
I work directly with acquiring banks, PSPs, and providers to maintain stable processing capacity, preserve banking continuity, and support day-to-day payment operations.
- Structuring acquiring relationships
- Managing bank risk perception
- Aligning processing with compliance constraints
High-Risk Payment Environments
I operate in industries where payment performance, provider dependency, and banking stability require continuous operational control.
- Online gaming, crypto, and other regulated payment environments
- Chargeback and fraud pressure management
- Maintaining processing continuity
Crypto & Alternative Payments
I integrate crypto and alternative payment methods into production systems where operational reliability, coordination, and control matter.
- Fiat ↔ crypto flows
- Exchange integrations
- On-chain/off-chain coordination
Transaction Performance & Risk Control
I improve performance while managing the trade-offs between approval, fraud exposure, chargebacks, and compliance constraints.
- Chargeback reduction
- Fraud signal analysis
- Approval vs risk balancing
Payment Manager as a Service (PMaaS)
Embedded payment operations for ongoing performance, routing, and acquiring management.
Payment systems require continuous operational control. Approval rates shift, acquiring conditions change, fraud pressure evolves, provider constraints move, and infrastructure needs regular adjustment under scale.
I work within your existing operating environment, alongside your team and providers, as an embedded payment operator managing payment performance on a daily basis in PSP, online gaming, high-risk, cross-border, and complex acquiring environments.
Areas Managed
- ·Authorization rate
- ·Decline analysis & routing
- ·Acquirer and PSP management
- ·Banking relationships
- ·Fraud and chargebacks
- ·Infrastructure stability
Operating Model
- ·Access to relevant payment data provided by the client
- ·Daily monitoring
- ·Ongoing optimisation
- ·Operational coordination with tech, finance, PSP, and acquiring teams
- ·Direct coordination with banks, acquirers, PSPs, and providers
Key Metrics Tracked
- ·Authorization rate (%)
- ·Decline distribution
- ·Chargeback ratio
- ·Processing uptime (%)
- ·Acquirer redundancy
An embedded payment operator working alongside your Head of Payments, payment lead, or existing leadership team — without building an internal full-time role.
Remote collaboration. Ongoing operational involvement. No team management.
€4,900 / month excl. VAT
Monthly engagement — Cancel anytime
For business clients only.
Selected systems operated under real conditions
Selected payment environments operated under real conditions — where approval rates, acquiring capacity, routing stability, provider coordination, and revenue continuity had to be managed over time. This includes both recovery situations and ongoing payment environments requiring continuous operational ownership.
Authorization Rate Collapse
High-risk online payment environment under multi-acquirer constraints and sustained banking pressure, with declining issuer approval rates and rising chargeback exposure.
Actions
- —BIN-level routing rebuild
- —Multi-acquirer fallback implementation
- —Issuer-specific optimization
Result
72% → 89% approval rate
Revenue recovery within 90 days
Banking Instability
Operator losing acquiring capacity across multiple jurisdictions due to risk exposure and tightening bank policies.
Actions
- —Rebuilt payment flow structure
- —Introduced new acquiring partners
- —Repositioned risk profile
Result
Processing stability restored in under 60 days
Multi-region capacity secured
Infrastructure Failure
Fragmented multi-PSP setup causing transaction failures, operational inconsistency, and recurring performance loss.
Actions
- —Architecture redesign
- —Failover implementation
- —Flow standardization
Result
+18% approval rate
Elimination of recurring failures
Focused payment intervention, on demand
For critical situations requiring immediate payment expertise.
This is a one-time intervention. For ongoing payment management and continuous follow-up, PMaaS is the appropriate model.
Session Format
Sessions are conducted online, in English or French, via:
- Video call
- Audio call
- Chat
Who Is This For?
For businesses facing urgent payment issues or requiring rapid operational review.
No long-term engagement. For business clients only.
Request a SessionSession Rates
Focused intervention — analysis, decision support, and immediate direction
Intervention + structured follow-up (key findings and actions)
Booking subject to prior confirmation.
Payment
Sessions are payable by credit or debit card (Visa, MasterCard, Amex, Apple Pay) or in Bitcoin (BTC) at the exchange rate in effect at the time of booking. For business clients only.
A Strategic Analysis of the Future of Payments
After more than two decades working inside the global payment industry, I decided to write an in-depth analysis of how payment systems may evolve in the coming decades.
This work explores the intersection between payment systems, digital identity, artificial intelligence, economic transformation, and new financial infrastructures.
The book looks at how payments may evolve as technology, regulation, and global economics continue to change.
It is written for business leaders, regulators, fintech founders, and anyone interested in understanding the long-term evolution of financial systems.
Available in English and French.
Available now on:
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