Automate. Payment Operations.
A fixed-scope build that industrializes the most operationally intensive parts of payments: refunds, reconciliation and disputes. We design the workflow, integrate the systems, instrument the dashboards and hand finance and operations teams a stack that scales without adding headcount.
Every transaction resolved manually is a tax on margin.
As volume scales, so does the tail of refunds, unmatched reconciliations, chargebacks and customer disputes. Teams often close the gap with additional headcount. A well-designed automation layer typically reduces cost to serve by half or more, and removes the operational risk of manual processes touching financial data.
- Reconciling PSP statements with our ledger takes several days each month.
- Refunds are processed manually and customers wait too long.
- We miss chargeback deadlines because the workflow lives in spreadsheets.
- Finance and operations disagree on the numbers because there is no single source of truth.
- We want to scale volume threefold without tripling the operations team.
A structured, evidence-led engagement.
Each step produces a defined artifact you can share with your leadership team, your board, or your acquirer partners.
- Week 01
Process discovery and blueprint
We review the current refund, reconciliation and dispute workflows, map every handoff and system of record, quantify today's cost to serve and define the target state.
- Week 02
Architecture and tool selection
We design the automation architecture, whether on your existing PSP, an orchestrator, a workflow engine or an ERP extension, and select the right tools for your context rather than a preferred vendor.
- Week 02 to 05
Build and integrate
We lead implementation alongside your engineering team, including reconciliation rules, automated refund flows with approval gates, dispute case management, and the event pipeline underneath.
- Week 05 to 07
Instrument and hand over
Dashboards for operations, finance and executive views. Runbooks for every exception flow. Training for the team that will own the system going forward.
- Week 07 to 08
Stabilize and measure
Two weeks of live operation with the VizierPay team supporting your team. We measure the reduction in cost to serve, resolve edge cases and lock in the gains before handover.
What you will receive.
- Automated refund workflow with approval gates, audit trail and SLA tracking.
- Reconciliation engine matching PSP statements to ledger, with exception routing.
- Dispute and chargeback case management with evidence library and deadline enforcement.
- Operations, finance and executive dashboards with live cost to serve metrics.
- Runbooks covering each standard and exception workflow.
- Training sessions for the team that will operate the system after handover.
- Two weeks of post-launch hypercare with quantified cost to serve improvement.
Scope, team composition and commercial terms are agreed with your leadership team at kickoff. Every engagement is outcome-led and accountable to specific KPIs.
E-commerce marketplace. Morocco and Egypt
Challenge
Reconciliation cycle took nine business days each month across three PSPs and two currencies. Refund SLA averaged seven days. Disputes were tracked in a shared spreadsheet.
Approach
Six-week automation build. Reconciliation engine with rule-based matching, automated refund flow with tiered approval, dispute case manager with deadline enforcement, and dashboards for operations and the CFO office.
Outcome
Reconciliation cycle reduced from nine days to under one day. Refund SLA reduced from seven days to under 24 hours for 92 percent of cases. Dispute win rate improved by 14 points through deadline discipline alone.
- Reconciliation cycle
- 9d to under 1d
- Refund SLA
- 7d to under 24h
- Dispute win rate
- +14 points
Ready to discuss automate?
Thirty minutes, no obligation. We will walk through what a VizierPay engagement would look like for your stack, your markets and your priorities.