OSCILLATION CONSULTING, A VOLNA ENTITY
Strategic Payment and Commercial Cost Optimisation
We turn payment processing from a cost centre into a margin engine, spanning card acquiring, embedded payments and emerging market FX.
01 / CARD ACQUIRING & COST MANAGEMENT
Stripping out margin drag, false declines, and hidden fees
We deep dive into your payment processing data to restructure commercial terms and maximise authorisation rates.
01
Interchange & Scheme Fee Auditing
Uncovering hidden costs within interchange plus/plus-plus models and restructuring commercial terms with top tier acquirers.
01
Interchange & Scheme Fee Auditing
Uncovering hidden costs within interchange plus/plus-plus models and restructuring commercial terms with top tier acquirers.
02
Transaction Yield Engineering
Designing cascading logic, 3DS v2.2 optimisation, and failover routing to maximise authorisation rates and prevent basket abandonment.
02
Transaction Yield Engineering
Designing cascading logic, 3DS v2.2 optimisation, and failover routing to maximise authorisation rates and prevent basket abandonment.
03
Acquirer & PSP Procurement
Leading end-to-end RFP processes to source, benchmark, and secure highly competitive merchant accounts (MIDs) across global jurisdictions.
03
Acquirer & PSP Procurement
Leading end-to-end RFP processes to source, benchmark, and secure highly competitive merchant accounts (MIDs) across global jurisdictions.
We assist B2B software platforms and marketplaces in designing white-label card account issuance models.
02 / EMBEDDED PAYMENTS & PLATFORM SCALING
Turning payments from a cost centre into your primary revenue driver
01
Monetising the Processing Spread
Buying card processing at wholesale rates and building automated billing mechanisms to capture merchant margins.
01
Monetising the Processing Spread
Buying card processing at wholesale rates and building automated billing mechanisms to capture merchant margins.
02
Automated KYB & Underwriting Design
Partnering with key wholesale acquirers to embed friction free, instantaneous merchant onboarding into your SaaS ecosystem.
02
Automated KYB & Underwriting Design
Partnering with key wholesale acquirers to embed friction free, instantaneous merchant onboarding into your SaaS ecosystem.
03
PCI-DSS Risk Insulation
Standardising tokenisation frameworks to ensure your internal tech stack remains entirely out of scope for handling sensitive cardholder data.
03
PCI-DSS Risk Insulation
Standardising tokenisation frameworks to ensure your internal tech stack remains entirely out of scope for handling sensitive cardholder data.
03 / TREASURY AUTOMATION & CROSS-BORDER SETTLEMENT
Maximising the value of multi-currency card receipts
We connect your payment architecture directly to wholesale tier 1 liquidity providers to ensure frictionless cross-border payouts.
01
Automated Back-Office Reconciliation
Engineering automated data parsing to seamlessly map gross card settlements, interchange fees, and net payouts to your central ledger.
01
Automated Back-Office Reconciliation
Engineering automated data parsing to seamlessly map gross card settlements, interchange fees, and net payouts to your central ledger.
01
Automated Back-Office Reconciliation
Engineering automated data parsing to seamlessly map gross card settlements, interchange fees, and net payouts to your central ledger.
02
Multi-Currency Pricing (MCP) Strategies
Crafting cross-subsidisation financial models that offset card scheme fees using native FX spreads.
02
Multi-Currency Pricing (MCP) Strategies
Crafting cross-subsidisation financial models that offset card scheme fees using native FX spreads.
03
Operational Risk Management
Implementing tailored, automated hedging frameworks to isolate your business from rate volatility during settlement windows.
03
Operational Risk Management
Implementing tailored, automated hedging frameworks to isolate your business from rate volatility during settlement windows.
Navigating high friction or low liquidity currencies requires a tailored solution. We work with liquidity providers specialising in African and CIS region currencies.
04 / EMERGING MARKET FX & CROSS-BORDER SOLUTIONS
Bridging G10 fiat with high-growth emerging market liquidity
01
Exotic Corridor Liquidity Sourcing
Connecting international platforms and remittance engines to deep, regulated wholesale liquidity networks across Africa, CIS and Latin America to minimise routing friction.
01
Exotic Corridor Liquidity Sourcing
Connecting international platforms and remittance engines to deep, regulated wholesale liquidity networks across Africa, CIS and Latin America to minimise routing friction.
02
Multi-Currency Revenue Capture
Integrating native FX conversion directly into your checkout or payment gateway, transforming foreign exchange from a card scheme cost into a corporate profit centre.
02
Multi-Currency Revenue Capture
Integrating native FX conversion directly into your checkout or payment gateway, transforming foreign exchange from a card scheme cost into a corporate profit centre.
03
API-Driven Treasury Referral Infrastructure
Partnering with fully regulated, tier 1 global FX institutions to embed robust, automated spot and hedging capabilities behind your existing payment rails.
03
API-Driven Treasury Referral Infrastructure
Partnering with fully regulated, tier 1 global FX institutions to embed robust, automated spot and hedging capabilities behind your existing payment rails.
BUILT FOR
Who we partner with
SaaS Platforms & B2B Marketplaces
SaaS solutions who could turn processing costs into a strong income stream.
SaaS Platforms & B2B Marketplaces
SaaS solutions who could turn processing costs into a strong income stream.
Cross-Border E-Commerce & Marketplaces
Helping digital merchants expand into emerging markets by localising payment acceptance while maintaining tight control over repatriation exchange rates.
Cross-Border E-Commerce & Marketplaces
Helping digital merchants expand into emerging markets by localising payment acceptance while maintaining tight control over repatriation exchange rates.
Regulated Wealth & Asset Managers
Investment platforms, asset managers or insurance firms looking to streamline and automate inward payment and portfolio allocation.
Regulated Wealth & Asset Managers
Investment platforms, asset managers or insurance firms looking to streamline and automate inward payment and portfolio allocation.
International Remittance & Money Transfer Operators
Optimisation of back-end banking rails, local payout APIs, and treasury aggregation in complex African, CIS, Latin American and other exotic currency corridors.
International Remittance & Money Transfer Operators
Optimisation of back-end banking rails, local payout APIs, and treasury aggregation in complex African, CIS, Latin American and other exotic currency corridors.