Global Payments. Local Expertise.
At COMPAYTENCE, we represent and advocate for the merchant — helping you navigate the complexities of cross-border selling and ensuring your payment infrastructure is built for scale. With over 30 years of combined experience in eCommerce payments and compliance, we leverage a global network of processors, gateways, acquiring banks, and payment partners to design and secure the right end-to-end solutions for your business. Our international perspective and deep expertise empower you to expand into new markets, maintain a high standard of compliance, and process transactions seamlessly — wherever your customers are.
Our Products
PSP Setup
Getting approved with a top-tier processor requires compliance, the right positioning, and direct industry access — we handle it all, guaranteeing placement or no fee. We work directly with processors, gateways, and acquiring banks to resolve issues quickly and keep your account in good standing.
Beyond onboarding, we provide lifetime account management: monitoring compliance, optimizing authorization rates, securing favorable terms, and auditing your payment infrastructure for risk, chargebacks, fraud tools, and policy requirements. Whether you’re expanding, adding processors, or restructuring flows, we ensure your payment systems are built to scale and remain processor-ready.
Reserve Recovery
When a payment processor enforces a high rolling reserve or shuts down an account, it can restrict cash flow to the point of slowing or even stopping operations. These actions are often triggered by elevated chargeback rates, rapid scaling, or broader risk exposure — and they are extremely difficult to reverse through normal support channels.
We intervene by reducing the merchant’s risk profile and presenting a compelling, data-backed case directly to the decision-makers at the processor. This includes addressing compliance gaps, strengthening operational safeguards, and demonstrating measurable improvements that re-establish trust. Our thorough approach, backed by deep payments and compliance expertise, consistently achieves favorable negotiations — helping merchants recover withheld funds and restore control of their cash flow.
CAAS
Our CAAS program is an ongoing partnership designed to keep your payment systems compliant, efficient, and stable. We assist with everything from aligning entity structures and payment relationships with processor standards, to improving authorization rates, optimizing checkout conversions, and reducing risk and chargeback exposure — and much more.
As a CAAS client, you receive constant oversight, priority WhatsApp support, and direct access to our global network of processors, gateways, and acquiring banks. Whether you’re starting out or managing high transaction volumes, we work as an extension of your team to prevent shutdowns, minimize fees, and maintain processing that’s built to scale.
Lars Funke
Managing Partner
With over 18 years in the payments industry, Lars has held senior roles including VP of Sales at a leading German payment provider and Partner Manager for a pan-European OEM. His career spans building eCommerce strategies, managing high-value merchant relationships, and leading customer care teams across Europe.
At COMPAYTENCE, Lars applies his deep industry knowledge and strategic insight to help merchants optimize payment infrastructure, expand internationally, and maintain strong processor relationships. Known for his clear, actionable guidance, he equips businesses to make confident, informed decisions in complex payment environments.
Michael Ramsey
Managing Partner
A seasoned global sales leader, Michael brings over two decades of experience in payments and treasury management. He spent 14 years at Wells Fargo, including eight in senior payments roles, before leading international sales and strategy at TransferMate and Reach. His work has spanned scaling sales operations, managing cross-border market entry, and developing regional payment strategies worldwide.
At COMPAYTENCE, Michael leverages his extensive industry expertise to help merchants navigate the complexities of global payments, optimize processing relationships, and build sustainable growth strategies. Recognized for his solution-focused approach and commitment to merchant advocacy, he is a trusted partner to businesses expanding in competitive international markets.
