Raising payment success 34% without slowing down merchant settlement

GetPayed's merchant dashboards and PSP integrations were the surface most exposed to transaction failures: every failed payment, delayed settlement, or compliance gap landed directly on merchants and acquiring-bank relationships.

Any fix had to hold up against real acquiring-bank SLAs, chargeback rules, and Central Bank of Nigeria compliance requirements, not just improve numbers in a dashboard.

Owned the end-to-end roadmap across agency/merchant acquiring, business banking, embedded finance and card issuance, and planned a system-wide optimization of PSP integrations and merchant dashboards: better failover and requery logic, updated fraud prevention, and real-time geotagging/geofencing to meet CBN transaction-location requirements.

Instant Settlement replaced the safer T+1 delay merchants had tolerated, trading a day of settlement buffer for materially better merchant activeness and volume, backed by tighter operational monitoring to absorb the risk.

Transaction success rate rose 34%, collections sustained 15%+ month-over-month growth through Q3 to Q4 2025, and merchants onboarded onto Instant Settlement drove double-digit MoM transaction growth, while operational escalations went down, not up.