Compaytence · Payment & risk solutions for global eCommerce
Compaytence · Payment & risk solutions for global eCommerce
Compaytence · Payment & risk solutions for global eCommerce
Global payments simplified.
Global payments simplified.
Global payments simplified.
The payment stack that scales without disruptions, from the experts who did it for 2,650+ businesses.
The payment stack that scales without disruptions, from the experts who did it for 2,650+ businesses.
The payment stack that scales without disruptions, from the experts who did it for 2,650+ businesses.
Recovered
Holds overturned
Businesses
What we do
Your entire payment stack, covered.
Your entire payment stack, covered.
Your entire payment stack, covered.
One team to scale your processing, break into new markets, and clear the roadblocks that stall everyone else.
One team to scale your processing, break into new markets, and clear the roadblocks that stall everyone else.
Service 01
PSP Setup
PSP Setup
PSP Setup
A full operational audit and hands-on intervention to get you compliant and approved, then guaranteed placement in our vetted network of PSPs, gateways, and acquiring banks, backed by a lifetime account guarantee.
40+
40+
Tier-one PSPs
Guaranteed
Guaranteed
Onboarding
Processing live · API keys handed over
Service 02
Reserve Recovery
Reserve Recovery
Reserve Recovery
When a processor freezes funds or imposes a rolling reserve, we intervene directly with the processor: a data-backed case for releasing held funds and reinstating accounts.
$26M+
$26M+
Recovered
483+
483+
Holds overturned
Balance released in full · $700,000
Service 03
Consulting as a Service
Consulting as a Service
Consulting as a Service
A long-term seat at your table: processor relationships, risk exposure, and compliance managed as an extension of your team while you scale.
2,650+
2,650+
Businesses
37
37
Combined years in payments
Account in good standing · $135,000 clearing
Service 04
U.S. Expansion Suite
U.S. Expansion Suite
U.S. Expansion Suite
Entity formation, banking coordination, and access to stable payment processing for international merchants entering the U.S. market. Fully remote.
$250K
$250K
FDIC insured
100%
100%
Remote setup
Verified Google review · compliant U.S. setup
MyCompaytence
Your home base for everything we run together.
We bring you MyCompaytence, the dashboard where you access all your merchant accounts, payments data, and current status with your providers.
01
Your MIDs, fully managed.
We manage your accounts for you, ensuring every MID stays healthy and approved.
02
Documents that hold up.
Every file you hand us comes back fully compliant, ready to clear underwriting at any moment.
03
Whatever you’re working toward.
Getting approved for tier-one processing, releasing frozen funds, expanding into the U.S. We take it on and see it through.
Start here
Welcome to MyCompaytence.
Everything your business needs to move forward.
From getting set up to what comes next, MyCompaytence is your secure home base for working with Compaytence — organized, within reach, and managed alongside the experts.
01
Pick your products
Choose the services you need, enroll right here, and we’ll take it from there.
02
Stay on track
See where things stand, what needs your attention, and what’s coming next.
03
Explore our Knowledge Hub
Expert insights, practical guides, and video walkthroughs.
04
Access our Partner Network
Connect with vetted partners and enroll in trusted services.
What we run for you
Pick your products
Four services, one team. Choose what you want us to take on and enroll right here.
Payment Processor Set-Up
New MIDs with vetted processors, kept stable and compliant. Backed by a lifetime account warranty.
Reserve Recovery
Money holds reversed, rolling reserves reduced — a data-backed case, plus the processor relationships to land it.
U.S. Entity Setup
Entity, banking and payment setup for international merchants. Fully remote.
Consulting as a Service
Your payments department, on retainer. Processor strategy, risk and compliance run as an extension of your team.
Applications, tasks and updates
Stay on Track
Everything moving. Nothing missed.
Documents, applications, assessments and updates in one secure place — see where things stand and what needs your attention.
Upload your information. Follow the progress. Stay in the loop.
Notifications
3 new
PSP Setup 1
Waiting on you
Moved out of Queued. One task is open for you.
2 hours ago
New task assigned
Please provide a proof of address · due in 3 days
Yesterday
Document approved
Certificate of incorporation · Risk Assessment
21 Aug
See all notifications
Knowledge Hub
Explore the Knowledge Hub
Practical guides, video walkthroughs, expert insights and real-world case studies to help you get more from your payments and operations.
Payment Processor Setup
Service Guide
Reserve Recovery
Service Guide
Merchant Case Studies
Real Results
Client Stories
Testimonials
Partner Network
Better partners. Better access.
Explore Our Partners →
Tap into 40+ vetted partners across payments, banking, technology, and business services — with Compaytence in your corner. Get help choosing the right fit, guidance through setup, dedicated account support, and access to preferred offers and terms when available.
40+
top-tier partners
The right connections, backed by a team that knows how to put them to work for your business.
Enter MyCompaytence →
Common questions
MyCompaytence, answered.
MyCompaytence, answered.
What is MyCompaytence?
Does MyCompaytence cost extra?
Which accounts can I see in it?
Can I manage more than one store?
Case studies
Operators keep the receipts.
Published engagements, with the figures as we reported them.
The $2M operation: how we saved a scaling merchant
Overcoming a 100% rolling reserve to recover $129K
€30,000 reasons to rethink risk: the smartphone seller
Rolling reserves, stalled growth: building the case against Shopify
Luxury payments, frozen funds: rescuing $30K for a designer brand
Seven months, no explanation: $700,000 out of a frozen account
A seven-MID payment stack built for high-volume growth
Beyond a single MID: scaling payments for a subscription brand
The $2M operation: how we saved a scaling merchant
Overcoming a 100% rolling reserve to recover $129K
€30,000 reasons to rethink risk: the smartphone seller
Rolling reserves, stalled growth: building the case against Shopify
Luxury payments, frozen funds: rescuing $30K for a designer brand
Seven months, no explanation: $700,000 out of a frozen account
A seven-MID payment stack built for high-volume growth
Beyond a single MID: scaling payments for a subscription brand
Proof
Merchants put it in writing.
These reviews come straight from our Google listing, written by the merchants we’ve worked with.
5.0
★★★★★
38 Google reviews
B
Blake Weisgram
2026-08-19
★★★★★
Compaytence did a great job! They made the whole process feel straightforward and were great at helping navigate through the process of getting a reserve freed up on Shopify. Communication was solid, and everything was handled professionally.
Compaytence did a great job! They made the whole process feel straightforward and were great at helping navigate through the process of getting a reserve freed up on Shopify. Communication was solid, and everything was handled professionally.
Z
Zack Onye
2026-05-16
★★★★★
Compaytence was incredibly professional, highly knowledgeable, and extremely efficient throughout the entire process. Their team moved fast, communicated clearly, and delivered exactly what they promised. Helping us secure MIDs quickly and smoothly. Their expertise, speed, and reliability made a huge difference, and it was clear they truly understand this space. Highly recommend them to anyone looking for a competent, results-driven team.
Compaytence was incredibly professional, highly knowledgeable, and extremely efficient throughout the entire process. Their team moved fast, communicated clearly, and delivered exactly what they promised. Helping us secure MIDs quickly and smoothly. Their expertise, speed, and reliability made a huge difference, and it was clear they truly understand this space. Highly recommend them to anyone looking for a competent, results-driven team.
R
Riccardo Picotti
2026-04-25
★★★★★
⭐⭐⭐⭐⭐ 10/10 - Jake and the Compaytence Team Are Simply Exceptional I came to Compaytence in a difficult situation. Stripe had placed reserves on my funds and was threatening to shut down my account entirely - the classic nightmare scenario that every scaling eCommerce brand eventually faces with Stripe or Shopify Payments. Jake became my main point of contact, and I can honestly say he’s been absolutely phenomenal from day one. Not just a great professional, but genuinely a pleasure to work with. I’m usually not a fan of Zoom calls, but calls with Jake? Always a highlight. He’s positive, capable, attentive, empathetic, and always ready to understand what’s actually happening in your business so he can help you fix it. Together with Jake and the Compaytence team, we rebuilt everything from the ground up. They helped me establish a solid foundation - ITIN, physical US address, proper business structure - so I could apply for private payment processors that actually treat merchants with respect. The difference is night and day. Stripe treats you like garbage and can kick you out tomorrow with no warning. Private processors? You build a long-term relationship. They value you as a merchant. They don’t randomly hold your funds or ban you without cause. We opened multiple payment processors, and Compaytence handled everything: negotiations with processors, Disputifier integration for chargeback prevention and management, connections to banks for better accounts and cashback benefits. They went above and beyond at every step. What I gained wasn’t just reliable payment processing that can scale to 7 figures per month and beyond - I gained a friend in Jake and a team I genuinely enjoy working with. For anything related to payment processing, Compaytence is THE answer. They have connections everywhere, they’ve seen every situation, and they truly go the extra mile to deliver a 10/10 experience. Thank you Jake, thank you to the entire Compaytence team. You’re all amazing. My go-to now and forever. Highly recommend to anyone reading this. Don’t hesitate.
⭐⭐⭐⭐⭐ 10/10 - Jake and the Compaytence Team Are Simply Exceptional I came to Compaytence in a difficult situation. Stripe had placed reserves on my funds and was threatening to shut down my account entirely - the classic nightmare scenario that every scaling eCommerce brand eventually faces with Stripe or Shopify Payments. Jake became my main point of contact, and I can honestly say he’s been absolutely phenomenal from day one. Not just a great professional, but genuinely a pleasure to work with. I’m usually not a fan of Zoom calls, but calls with Jake? Always a highlight. He’s positive, capable, attentive, empathetic, and always ready to understand what’s actually happening in your business so he can help you fix it. Together with Jake and the Compaytence team, we rebuilt everything from the ground up. They helped me establish a solid foundation - ITIN, physical US address, proper business structure - so I could apply for private payment processors that actually treat merchants with respect. The difference is night and day. Stripe treats you like garbage and can kick you out tomorrow with no warning. Private processors? You build a long-term relationship. They value you as a merchant. They don’t randomly hold your funds or ban you without cause. We opened multiple payment processors, and Compaytence handled everything: negotiations with processors, Disputifier integration for chargeback prevention and management, connections to banks for better accounts and cashback benefits. They went above and beyond at every step. What I gained wasn’t just reliable payment processing that can scale to 7 figures per month and beyond - I gained a friend in Jake and a team I genuinely enjoy working with. For anything related to payment processing, Compaytence is THE answer. They have connections everywhere, they’ve seen every situation, and they truly go the extra mile to deliver a 10/10 experience. Thank you Jake, thank you to the entire Compaytence team. You’re all amazing. My go-to now and forever. Highly recommend to anyone reading this. Don’t hesitate.
H
HoneyWagon
2026-04-16
★★★★★
These guys take the continued relationship with their clients very seriously. Super rare these days, and their commitment to delivering satisfying results makes them my go-to for my small business. I haven’t had a processing issue for ages thanks to them.
These guys take the continued relationship with their clients very seriously. Super rare these days, and their commitment to delivering satisfying results makes them my go-to for my small business. I haven’t had a processing issue for ages thanks to them.
S
Sam Wiens
2026-04-16
★★★★★
I sell products susceptible to account shutdowns and holdings. The guidance Compaytence provided has continuously kept my processing seamless for months. Great resource for small businesses.
I sell products susceptible to account shutdowns and holdings. The guidance Compaytence provided has continuously kept my processing seamless for months. Great resource for small businesses.
F
Ferdinand Lengsfeld
2026-04-06
★★★★★
Fantastic partner
Fantastic partner
A
Alexia Gouzy
2026-04-02
★★★★★
We had a great experience working with Mike and his team. They supported us throughout the entire process of setting up our payment processor and were always responsive, professional, and helpful. Their guidance made a complex process much smoother, and we truly appreciated their availability and follow-up at every step. Thank you again to Mike and the whole team for your support!
We had a great experience working with Mike and his team. They supported us throughout the entire process of setting up our payment processor and were always responsive, professional, and helpful. Their guidance made a complex process much smoother, and we truly appreciated their availability and follow-up at every step. Thank you again to Mike and the whole team for your support!
T
TheSilentWay
2026-03-19
★★★★★
(Translated by Google) We received expert advice from Lars and the team at Compaytence on various topics. Firstly, we were experiencing difficulties with a payment provider due to an unjustified account suspension. Compaytence provided us with invaluable support through a risk assessment and simultaneously enabled cost savings by negotiating better terms with another payment provider we were already working with. Throughout the entire process, we received exceptional service and unwavering support, resulting in demonstrable success. We wholeheartedly recommend Compaytence! (Original) Wir wurden von Lars und dem Team bei Compaytence zu verschiedenen Themen beraten. Zum einen hatten wir aufgrund einer unbegründeten Sperre Schwierigkeiten mit einem Zahlungsanbieter. Daraufhin wurde uns tatkräftig mit einem Risk Assessment unterstützt, sowie gleichzeitig Kosteneinsparungen ermöglicht, indem Compaytence bessere Konditionen bei einem anderen Zahlungsdienstleister, mit dem wir ohnehin schon gearbeitet haben, ausgehandelt hat. Bis zum Ende wurden wir unglaublich gut behandelt, immer unterstützt, und haben in der Zusammenarbeit dann auch nachweisbare Erfolge erzielt. Wir empfehlen Compaytence mit bestem Gewissen weiter!
(Translated by Google) We received expert advice from Lars and the team at Compaytence on various topics. Firstly, we were experiencing difficulties with a payment provider due to an unjustified account suspension. Compaytence provided us with invaluable support through a risk assessment and simultaneously enabled cost savings by negotiating better terms with another payment provider we were already working with. Throughout the entire process, we received exceptional service and unwavering support, resulting in demonstrable success. We wholeheartedly recommend Compaytence! (Original) Wir wurden von Lars und dem Team bei Compaytence zu verschiedenen Themen beraten. Zum einen hatten wir aufgrund einer unbegründeten Sperre Schwierigkeiten mit einem Zahlungsanbieter. Daraufhin wurde uns tatkräftig mit einem Risk Assessment unterstützt, sowie gleichzeitig Kosteneinsparungen ermöglicht, indem Compaytence bessere Konditionen bei einem anderen Zahlungsdienstleister, mit dem wir ohnehin schon gearbeitet haben, ausgehandelt hat. Bis zum Ende wurden wir unglaublich gut behandelt, immer unterstützt, und haben in der Zusammenarbeit dann auch nachweisbare Erfolge erzielt. Wir empfehlen Compaytence mit bestem Gewissen weiter!
ע
עידן גבאי
2026-03-06
★★★★★
Experts in what they do, highly recommend! Jessica is super helpfull, responsive and really professional. Extremely important domain within the business operations for us that is properly handled by those guys.
Experts in what they do, highly recommend! Jessica is super helpfull, responsive and really professional. Extremely important domain within the business operations for us that is properly handled by those guys.
B
Brandon van Mierlo
2026-01-06
★★★★★
Compaytence and the team have been very helpful in acquiring payment processors for our e-commerce brand. They have also been very insightful in giving advice in order to scale our business. Highly recommend them!
Compaytence and the team have been very helpful in acquiring payment processors for our e-commerce brand. They have also been very insightful in giving advice in order to scale our business. Highly recommend them!
P
P
2025-08-25
★★★★★
Highly competent advice. Independent, high level of expertise, extensive experience, excellent communication. Keep it up!
Highly competent advice. Independent, high level of expertise, extensive experience, excellent communication. Keep it up!
Translated by Google
L
Lemke Ritzke GbR
2025-08-12
★★★★★
I had a 30min call with Lars Funke from Compaytence which was a blast! He provided me with insightful knowledge and valuable advices. Lars seems like a humble guys who is an absolute professional in his field. Big recommendation for business owners looking for better payment conditions!
I had a 30min call with Lars Funke from Compaytence which was a blast! He provided me with insightful knowledge and valuable advices. Lars seems like a humble guys who is an absolute professional in his field. Big recommendation for business owners looking for better payment conditions!
A
A.K
2025-04-01
★★★★★
I reached out to Compaytence for consultancy when Stripe placed a hold and reserved funds on one of my B2B business’s. They guided me through the entire process, helping with a business plan, audit, and proposal to demonstrate my business as low risk. Thanks to their expertise, the hold and reserve were successfully removed! Their team is highly competent, professional, and detail oriented. They truly know the ins and outs of payment processing and deliver results. If you’re facing challenges with payment processors or looking for custom solutions to payment processors that fit your business needs I highly recommend.
I reached out to Compaytence for consultancy when Stripe placed a hold and reserved funds on one of my B2B business’s. They guided me through the entire process, helping with a business plan, audit, and proposal to demonstrate my business as low risk. Thanks to their expertise, the hold and reserve were successfully removed! Their team is highly competent, professional, and detail oriented. They truly know the ins and outs of payment processing and deliver results. If you’re facing challenges with payment processors or looking for custom solutions to payment processors that fit your business needs I highly recommend.
P
Phil Coluccio
2025-03-13
★★★★★
I was working with Mike and his team to help me release a Shopify hold that put my business at a full stop. Mike done everything possible to help me get my funds back as soon as possible. Without him I would have never gotten my funds back as Shopify are extremely hard to deal with. Now I can run my business as usual. Thank you again Mike and you your team as well. Highly recommend for holds and payment processing issues!!!
I was working with Mike and his team to help me release a Shopify hold that put my business at a full stop. Mike done everything possible to help me get my funds back as soon as possible. Without him I would have never gotten my funds back as Shopify are extremely hard to deal with. Now I can run my business as usual. Thank you again Mike and you your team as well. Highly recommend for holds and payment processing issues!!!
W
Waheed Dhedhi
2025-02-21
★★★★★
Fantastic service - Michael and his team did a great job assisting my company with Stripe and other Payment processors. Thank you!
Fantastic service - Michael and his team did a great job assisting my company with Stripe and other Payment processors. Thank you!
S
SunRise Lake
2025-01-24
★★★★★
I habe experienced the compaytence indeed. Since I habe startet working with Lars (Compaytence Germany), many things have change for the better in my business. And there are many more to come so I am greatful. Thank you!
I habe experienced the compaytence indeed. Since I habe startet working with Lars (Compaytence Germany), many things have change for the better in my business. And there are many more to come so I am greatful. Thank you!
M
Marco Spindler
2025-01-23
★★★★★
(Translated by Google) A highly competent team and excellent consulting services. A highly recommended partner. (Original) Super kompetentes Team und tolle Beratungsdienstleistung. Absolut empfehlenswerter Partner.
(Translated by Google) A highly competent team and excellent consulting services. A highly recommended partner. (Original) Super kompetentes Team und tolle Beratungsdienstleistung. Absolut empfehlenswerter Partner.
C
Curtis Shoung
2024-12-19
★★★★★
The team at Compaytence have been wonderful partners for us the past year. Whenever we discuss a merchant, I know they have the merchant’s best interest in mind, always looking for the best solution on their behalf. We’ve also have pointed our clients (at various stages of their grwoth journey) to the Compaytence team, assisting with everything from a website audit to looping in different payment options. The response to their customer service has been fantastic. I know our clients are taken care of. We couldn’t be more thrilled to continue the partnership.
The team at Compaytence have been wonderful partners for us the past year. Whenever we discuss a merchant, I know they have the merchant’s best interest in mind, always looking for the best solution on their behalf. We’ve also have pointed our clients (at various stages of their grwoth journey) to the Compaytence team, assisting with everything from a website audit to looping in different payment options. The response to their customer service has been fantastic. I know our clients are taken care of. We couldn’t be more thrilled to continue the partnership.
J
James Khong
2024-12-19
★★★★★
They were able to recover almost all my money on reserve. They are worth it! Amazing staff and support!
They were able to recover almost all my money on reserve. They are worth it! Amazing staff and support!
T
Tele Adebimpe
2024-12-02
★★★★★
Excellent work by Compaytence! Got our Shopify payments reserve lowered and majority of our funds on hold released. Great service. Can 100% recommend!
Excellent work by Compaytence! Got our Shopify payments reserve lowered and majority of our funds on hold released. Great service. Can 100% recommend!
Next step
Leave the payments to us.
We handle your payments stack end to end, the way we have for 2,650+ merchants. You focus on selling; we’ll take care of the rest.