Independent payments advisory
Payments infrastructure for complex commerce.
Independent advisory across acquiring, banking, processing, risk, and payment performance, specializing in higher-risk categories and complex merchant placement for brands that have exhausted traditional processing options.
Already processing meaningful volume?Speak With Basis Point
Built by payments operators.
Our team has built payment strategies, risk guardrails, and subscription performance systems at Whop, Bolt, and Recharge. We bring firsthand operating experience across payments, fraud, recurring revenue, and commerce infrastructure to every engagement.
Built for businesses where payments are mission-critical.
We work with complex, high-growth, regulated and hard-to-place businesses where payment infrastructure directly determines growth and operational resilience.
Acquiring & Banking
Partner selection, underwriting strategy, redundancy, reserves and banking relationships.
Payments Performance
Approval rates, routing, processor economics, gateway strategy and payment optimization.
Risk & Resilience
Fraud, chargebacks, processor concentration, continuity planning and secondary acquiring relationships.
Your payments stack shouldn't depend on one provider.
- 01Processor concentration
- 02Rolling reserves and volume restrictions
- 03Declining authorization performance
- 04Complex or regulated underwriting
A — Single-provider dependency
One acquiring and banking relationship carries the entire volume. A repricing, reserve or exit stops settlement.
B — Resilient multi-provider architecture
Primary and secondary acquiring, separate banking and independent risk tooling. Volume redistributes without interruption.
Assess → Architect → Select → Optimize.
Assess
Understand the merchant's current payment infrastructure, economics, risk profile, constraints and objectives.
Architect
Design an acquiring and payments strategy around resilience, performance, scalability and redundancy.
Select
Identify appropriate partners and manage the underwriting and implementation process.
Optimize
Continuously evaluate approval rates, costs, reserves, chargebacks, routing and overall payment performance.
One advisor across your payments ecosystem.
Basis Point is not tied to one processor or acquiring relationship. We evaluate payment infrastructure based on each merchant's business model, risk profile, economics, geography and growth objectives.
Complex businesses require specialized payment infrastructure. Every engagement begins with understanding the business, risk profile, and existing payment stack.
Find Your Processing FitPayment Infrastructure Assessment
Build a more resilient payments stack.
Request a confidential assessment of your current payments infrastructure, acquiring strategy and risk profile.