Know where your payment margin goes.
And win it back.
Oryjin is the intelligence layer for your entire payment stack, from processing and scheme fees to fraud, chargebacks, and orchestration. Uncover hidden costs, improve performance, and make every payment decision count.
Independent intelligence. No changes to your payment stack.
Why Oryjin
The best payment teams don't guess.
They know.
Your payment margins shift every day. Fees, fraud, currencies, payment methods, failed 3DS challenges — every change has a cost. Oryjin brings consultant-level expertise to your own data, continuously uncovering what’s moving your margins and why. No waiting for reports. No guesswork. Just answers, on your side.
- Acceptance PSP, acquirer, scheme, FX€1.42
- Operations 3DS, retries, disputes handling€0.31
- Losses fraud, chargebacks, refund fees€0.27
- Germany 3DS challenges failing, retried twiceModelled+€0.06
- GBP FX markup applied above contract, clause 6.1Detected+€0.04
- Recurring MIT retries billed as new attemptsDetected+€0.03
- If nothing changes Q4, same mix and volume€2.11
- With the three actions claim the FX line · retry rule · route DE debit via acquirer B€1.86
- Signal sent · Head of Payments · Adyen renewal in 52 days, dossier readynow
The product
Four jobs.
One cockpit.
Detect what moved, explain why, plan the quarter, act before it hits the margin. Click through the tour or let it play.
What changed · September
Export- 1Volume tier never appliedDetected€18,400Claim pack ready
- 2Commercial card share up 1.2 ptDrift€2,900 / moMix vs rate isolated
- 3Chargeback ratio on DE Visa at 0.92%Risk€3,400 / moRule change priced
- 4Ask for interchange++ pricingModelled€9k–14k / yrAssumptions shown
Detected = billed above your contract, with payment references. Drift and Risk = measured changes in mix, fees, fraud or disputes, priced. Modelled = an estimate, with its assumptions. Never added together.
Full cost · August vs July
ExportWhere the money went
What moved it
Fee forecast · Q4
Scenarios (7)Alerts
Rules (6)- Adyen effective rate +14 bps vs contract this week€2,140 · probable cause: scheme fee category · finding opened2 min
- Adyen contract renews in 52 daysNegotiation brief ready · a year of volume pricedToday
- DE Visa chargeback ratio at 0.92%, risingVAMP limit 1.5% · 3DS rule change priced at −€2,100 / moMon
- €4,870 recovered from StripeClaim closed · credited on the August invoiceSep 12
Your data.
One clear picture.
All your payment data, finally in one place.
Connect your payment providers or simply upload the files you already have. Oryjin brings together transactions, fees, contracts, invoices, and settlements to give you a complete view of your payment economics.
No complex integrations. No engineering required. No switching providers.
Who it's for
Built for the people
behind every payment.
Whether you’re protecting margins, negotiating contracts, or managing daily operations, Oryjin turns complex payment data into clear decisions.
Bottom line One source of truth. Every team aligned. No changes to your payment stack.
FAQ
Payment cost questions,
answered.
Your contract may stay the same, but your payment costs don’t. Shifting card mixes, scheme fee increases, cross-border charges, and hidden surcharges can quietly eat into your margins. Oryjin uncovers what’s driving the increase, quantifies every impact, and shows you exactly when it started. Read the guide →
Billing errors, incorrect rates, and unexpected charges can quietly inflate your payment costs. Oryjin automatically checks your invoices and transactions against your contract terms, uncovering discrepancies and calculating exactly what you’re owed. Every finding comes with supporting evidence, so you can challenge overcharges and recover what you’ve overpaid. Read the guide →
Detected savings are overcharges you can recover. Modelled savings are opportunities to reduce future costs. Oryjin identifies billing discrepancies backed by your contracts and transaction data, while estimating potential savings based on your payment mix and published rates. Every opportunity is clearly labelled, with supporting evidence or assumptions. No guesswork, no inflated savings claims.
Your blended rate doesn’t tell the whole story. Behind every payment are interchange fees, scheme charges, acquirer markups, and other costs that can quietly eat into your margins. Oryjin breaks down your payment costs by card type, market, and currency, revealing where your money goes, what’s driving your costs, and where you could save. Read the guide →
The best negotiations start with your own numbers. Oryjin analyses your transaction volumes, actual fees, and contract terms to uncover opportunities for better pricing. Ahead of renewal, it helps you build a data-backed negotiation strategy, complete with quantified savings opportunities, clear recommendations, and supporting evidence. Negotiate with facts, not assumptions. Read the guide →
Stop budgeting payment costs based on guesswork. Oryjin forecasts your expenses using your actual transaction volumes, payment mix, and contract terms, while accounting for upcoming fee changes and renewals. Compare scenarios, anticipate cost increases, and track actual spending against your forecasts — so you stay in control of your payment budget. Read the guide →
Don’t wait until chargebacks become a costly problem. Oryjin monitors dispute and chargeback rates across your payment providers, helping you spot rising risks before they trigger card scheme penalties. Get timely alerts, understand the financial impact, and take action before thresholds are breached. Read the guide →
Any provider. No switching. No complex integrations. Oryjin works with your existing payment data, whether it’s from a PSP, acquirer, or ERP. Simply upload your reports, invoices, or contracts, and Oryjin turns them into actionable insights.
Absolutely. No account, no commitment. Explore a sample company with realistic payment data, analyse your own invoices, estimate your fees, or compare providers like Stripe, Adyen, and Mollie. See what Oryjin can uncover before you request access. Try it free →
Your data. Your decisions. Your control. Oryjin is fully independent of payment providers, with no commissions or incentives influencing its recommendations. It works alongside your existing payment stack, without moving money or changing your settings. Your data stays protected: hosted in France, with no cardholder data collected, and NDA and DPA agreements in place.
Early access
See it on
your own figures.
Early access runs on your real data, with a founder on every account. Tell us about your stack and we reply within one working day.
Best fit: €10 to 200M a year
Hosted in France · Independent of PSPs · Read-only access, never moves money · DPA and NDA on every account — see our privacy policy.
Not ready to talk? Run a free check first, no account needed.
Meanwhile, explore the sample company or follow Oryjin on LinkedIn:
→ Open the sample company
→ linkedin.com/company/oryjin-payment-intelligence
