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You Know Something's Wrong With Your Payments, But Not Exactly What
Conversion drops during peak traffic, but you can't pinpoint if it's your code, the PSP, or 3DS2 flows causing it. Finance and engineering see different transaction numbers every month—reconciliation is manual, error-prone, and slow. You're locked into one PSP, and leadership asks if there's a better setup, but you don't have data to answer confidently.
Your payment infrastructure grew organically as the business scaled. Now it's a patchwork of integrations, workarounds, and technical debt. You suspect there are better ways to handle payments—orchestration, smarter routing, modern architecture—but you don't know where to start or what ROI those changes would deliver.
This audit gives you clarity: what's actually broken, what's just suboptimal, and what fixes deliver the most impact fastest. You walk away with a concrete roadmap—not vague recommendations—prioritized by business value.
What's Included
Comprehensive Infrastructure Audit
Deep assessment across your entire payment stack:
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PSP setup & strategy: Performance evaluation, authorization rate benchmarking, vendor lock-in risks, feature utilization gaps
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Technical architecture: Codebase review (payment flows, error handling, retry logic), performance bottlenecks, scalability constraints, integration quality
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Compliance & security: PSD2/SCA implementation, PCI DSS posture, regional compliance requirements
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Reconciliation & operations: Settlement tracking, data integrity issues, support tooling gaps, reporting capabilities
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Modernization opportunities: Payment orchestration potential, architecture evolution paths, APM recommendations
Prioritized Improvement Roadmap
Ranked solutions with clear impact and effort estimates:
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Quick wins (1-4 weeks): High-impact fixes requiring minimal effort—configuration changes, monitoring improvements, error handling patches
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Medium-term improvements (1-3 months): Multi-PSP setup, orchestration layer, observability upgrades with ROI analysis
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Strategic initiatives (3-12 months): Platform modernization, regional expansion enablement, investment requirements
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Each recommendation includes: Problem statement, quantified business impact, solution approach, effort estimate, expected outcome
Executive Readout Session
1-hour presentation with technical leadership:
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Key findings: Critical risks, performance gaps, cost inefficiencies quantified
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Business impact: Revenue loss from current issues, operational costs, scaling constraints
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Roadmap overview: Prioritized initiatives with timeline and investment estimates
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Strategic recommendations: PSP strategy, architecture evolution, regional expansion readiness
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Technical & business audiences: Executive summary for leadership, detailed technical sections for engineering teams
Prerequisites (from You)
Access & Documentation
Payment codebase access: Integration logic, API implementations, error handling (read-only)
Infrastructure visibility: Logs, monitoring dashboards, deployment configs, PSP admin access (read-only)
Transaction data: Recent volumes (30-90 days), success rates, decline patterns, known issues, existing architecture diagrams
Reconciliation process: How finance currently handles settlement and reporting
Collaboration & Communication
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Initial walkthrough (2-3 hours): Payment flows, known pain points, scaling concerns, business priorities
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Follow-up sessions (1-2 calls, 60 min): Deep dives on specific areas as audit uncovers issues
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Async communication: Slack/email for clarifications during analysis period
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Pricing & Timeline
Investment: Starting from €6,000
Timeline: 1–3 weeks from kickoff to final report delivery
Pricing depends on system complexity, number of PSPs, transaction volume, and depth of modernization assessment required. Timeline assumes timely access to codebase, infrastructure, and team availability for sessions.
Words from our partners
Dan White
Co-Founder, Localvore
“
I appreciate Crafting Software because we wouldn’t be here if we’d gone through another round of not having the right team.
There would be no business and we wouldn’t get any investment opportunities if Crafting Software didn’t work out for Localvore — straight up, there would be no Localvore.
Ted Gay
Co-Founder, Athena
“
It’s easy to work with Crafting Software — they’re all very good people.
The team excels at project management. We’ve changed courses a few times, and the Crafting Software team has been willing to adjust to the number of resources we need. Overall, they’ve been a great partner who understands our vision.
Joshua Hall
VP of Product, Reva Technology
“
I’ve worked with plenty of teams over the last 20 years, and Crafting Software is top-notch.
They think about second- and third-order problems of how they can do their jobs better and how they can impact their customers effectively. That’s uncommon in my experience.
On top of that, they clearly take pride in their work.
Payments Readiness & Modernization Audit FAQ
1. How is this different from the Elixir/Erlang System Audit, when should we choose which?
The Elixir/Erlang System Audit focuses on BEAM VM-specific issues: OTP patterns, concurrency, supervision trees, performance under Erlang/Elixir constraints. It's for teams with Elixir/Erlang codebases who need deep technical assessment of their implementation quality. The Payments Readiness Audit is language-agnostic and focuses on payment-specific challenges: PSP setup, reconciliation, compliance, authorization rates, scaling constraints. Choose this if your primary concern is payment infrastructure health, regardless of what language you're using. If you're running Elixir/Erlang AND have payment-specific concerns, the audits can be combined for comprehensive coverage.
2. We already know we have problems, won't this audit just confirm what we suspect?
You might know symptoms (conversion drops, reconciliation headaches), but not root causes or optimal fixes. The audit diagnoses: is the drop-off from poorly configured 3DS2, slow PSP responses, frontend errors, or your backend choking under load? Which fix delivers the highest ROI—adding a failover PSP, optimizing exemption logic, or refactoring checkout flows? Most teams discover unexpected issues: misconfigured retry logic costing 5% conversion, missing monitoring that hides PSP degradation, or reconciliation gaps from incorrect transaction state handling. Even when suspicions are correct, the audit quantifies business impact and sequences fixes by priority—turning vague concerns into actionable engineering roadmap.
3. What size company or transaction volume makes this audit worthwhile?
The audit delivers ROI for businesses processing €50M+ GMV annually or 1M+ transactions/year where payment optimization directly impacts revenue. Below that threshold, quick fixes often suffice without deep analysis. At scale, 1% authorization rate improvement or 0.5% checkout conversion lift translates to hundreds of thousands in annual revenue—easily justifying the audit investment. It's also valuable pre-scale: if you're about to expand aggressively (new regions, 10x traffic growth, major product launches), identifying infrastructure weaknesses before they break under load prevents costly outages.
4. Will the audit tell us which PSP we should use, or do we decide that separately?
The audit evaluates your current PSP setup and provides data-driven recommendations: whether to stay single-PSP or go multi-PSP, which regions need local providers, where your current PSP underperforms benchmarks, and alternative providers to consider based on your transaction profile. It doesn't make the vendor selection decision for you—that's strategic and involves commercial negotiations—but it gives you the technical and performance criteria needed to make an informed choice. If you need deep PSP comparison and selection support, that's a separate engagement beyond this audit scope.
5. How technical is the final report, will both our CTO and Head of Payments understand it?
The report is structured for multiple audiences. The executive summary translates findings into business language: "Authorization rate is 3% below benchmark, costing €X monthly in lost revenue" or "Current architecture can't handle 2x Black Friday traffic without PSP failover." Technical sections provide engineering teams with specific code issues, configuration problems, and implementation guidance. Product/payments teams get flow diagrams, KPI benchmarks, and user impact analysis. Everyone gets the information relevant to their role without wading through irrelevant detail.
