01
Flow
How money actually moves through the product: checkout, authentication, capture, refunds, payouts, retries.
Fractional head of payments
Payments and fintech consulting for small teams.
Practical help for small teams designing, fixing, or scaling how they take and move money: Stripe, checkout, subscriptions, billing, marketplace payouts, and payment operations.
payments teardown
flow -> configuration -> operations -> economics
Checkout
3DS friction
review
Billing
Proration surprises
fix
Payouts
Timing and fees
scope
Retry logicmis-set
Tax setupneeds check
The problem
Most small teams bolt on payments and never go back to check them.
That is where the quiet losses start: retries that never fire, taxes charged incorrectly, 3DS set too aggressively, payouts that confuse sellers, and billing changes that surprise customers.
Natepay Advisory looks at the system as a practitioner would. Not just the checkout screen, and not just the processor dashboard. The full path money takes.
How we work
The Payments Teardown
Every engagement runs the same lens: flow, configuration, operations, and economics.
02
Configuration
The settings underneath: Stripe or PSP setup, tax, SCA, webhooks, currencies, plans, prices, and idempotency.
03
Operations
How payments are run day to day: reconciliation, failed payments, disputes, refunds, dunning, and reporting.
04
Economics
What it costs and earns: processing fees, FX, decline rates, involuntary churn, and the levers that matter.
Common fixes
Specific problems, not vague payment challenges.
01
Failed-payment retries set up badly, or not at all
02
VAT and tax misconfigured on Stripe
03
Proration surprises on plan changes
04
3DS and SCA friction blocking legitimate payments
05
Marketplace payout timing and fee handling
06
Dunning that quietly bleeds recurring revenue
07
Checkout flows that lose people at the wrong step
08
Webhook and idempotency gaps causing double charges or missed events
Ways to work with us
Choose the smallest useful engagement.
Start with a call if the problem is still fuzzy. Book a strategy session for one named issue. Enquire about a retainer when payments have become an ongoing operating concern.
20 minutes
Free
Intro call
A short call to understand what is going on and tell you honestly whether it is worth going further.
60 minutes
R2,500 once-off
Payments strategy session
A focused working session on one named problem, ending in a written list of prioritized fixes.
Scoped cadence
From R12,500 / month
Fractional / retainer
Ongoing payments help for teams that need a senior hand on tap, but not a full-time hire.
Ready when there is something real to fix
Book a consultation
No decks. No dashboards. A payment system that works.
Start with the service that matches the decision. Each request opens a structured email so the first call has the right context attached.