Results, not promises
Six merchants, six different problems: declined cards in the Nordics, a dispute ratio heading for the schemes' monitoring programme, creators paid by hand once a month, renewals failing on expired cards, two providers and a spreadsheet, players in 90 countries who could not pay. Every figure below comes from the merchant dashboard, compares the first six months on Target with the six months before, and has been signed off by the client.
Nordlab
Nordlab sells Scandinavian outerwear from Stockholm to customers in four countries. Before Target every card went through a single Swedish acquirer: Norwegian and Danish issuers declined one payment in four, 3-D Secure fired on every order, and the checkout lost customers at the very last step. We connected a local acquirer in each market, switched on 3-D Secure 2.2 with frictionless exemptions for low-risk baskets, added Apple Pay and Google Pay to the hosted checkout and set settlement in SEK, NOK, DKK and EUR — so Nordlab stopped paying for currency conversion twice.
“The routing change alone paid for the migration in the first month. We did not touch the storefront — swapping the Shopify plugin took an afternoon, and the declines from Oslo simply stopped.”
Voyagr
Voyagr is an online travel agency selling flight-and-hotel packages to customers in 41 countries. Trips get cancelled, cards get stolen, and by the spring of 2022 the dispute ratio had reached 1.2% — enough to put the company into the card schemes' monitoring programme, with six people reviewing bookings by hand. We moved Voyagr onto the rules engine and machine-learning scoring, added velocity and device rules tuned for travel, switched on chargeback alerts so a refund goes out before a dispute is filed, and limited the 3-D Secure challenge to the bookings the model actually flags.
“We were one quarter away from scheme fines. Now the alert lands in our inbox before the customer's bank even calls, and we refund instead of fighting a dispute we would lose anyway.”
Pixelgrove
Pixelgrove is a Riga marketplace where 3,200 designers sell fonts, icons and templates to buyers all over the world. Buyers were charged in euros wherever they lived, and creators were paid once a month by a manual bank transfer — in euros only, minus whatever their own bank took for the conversion. We switched the checkout to charge in the buyer's currency across 150+ currencies with settlement in EUR, USD and GBP, and replaced the monthly transfer run with weekly mass payouts through the API: to cards, IBAN accounts and e-wallets, in 25 currencies, from €0.25 a payout.
“Creators used to ask where their money was. Now they ask how we did it. Payday moved from the 30th to every Friday, and finance got two working days back each month.”
Bright Tutors
Bright Tutors runs monthly tutoring subscriptions for 14,000 families in the UK and Ireland and invoices around 300 schools. One renewal in eight was failing on an expired or replaced card, and nobody chased it; school invoices went out as PDFs and took 38 days on average to be paid. We moved the subscriptions onto tokenised recurring billing with an automatic card updater and smart retries — three attempts spaced around payday — added dunning e-mails with a one-tap payment link, and replaced the PDFs with Target invoices that a school bursar pays by card in two clicks.
“Involuntary churn was our biggest leak and we had never measured it. Target measured it for us and then closed it — the retries alone recovered £61,000 in the first quarter.”
Keel Marketplace
Keel is a Limassol marketplace for marine equipment: 600 sellers from Rotterdam to Dubai, buyers who pay in euros, pounds and dirhams, and money that has to be held until the part reaches the boatyard. Keel ran two payment providers — one for cards, one for payouts — and a spreadsheet to reconcile them. We replaced both with one contract: multi-acquirer processing with settlement in EUR, GBP and AED, seller payouts to IBAN accounts and cards on a T+1 schedule, webhooks that release funds the moment the buyer confirms delivery, and a dashboard with separate finance and support roles plus a nightly CSV export into Keel's ledger.
“Month-end close used to take four days. It now takes one morning, the auditors get a single export, and the sellers have stopped calling us about payouts.”
Aurora Games
Aurora Games makes a mobile strategy title with players in 90 countries and a web shop that sells the same packs without the app-store cut. The shop took cards only, routed everything through one European acquirer, and lost a third of non-EU payments to declines — while stolen cards and refund abuse ate into what did go through. We rebuilt the checkout on the JavaScript SDK with Apple Pay, Google Pay and local wallets, routed Latin American and South-East Asian cards to regional acquirers, and put machine-learning scoring in front of every purchase with velocity rules per player account.
“Players in Brazil and Indonesia could finally buy from the web shop. Fraud losses fell at the same time as approvals went up — which two previous providers had told us was impossible.”
Not every merchant wants its numbers published, and some of the best results sit in industries that prefer to stay quiet. These twelve process with Target as well: two furniture retailers, a language-learning app, a ferry operator, three SaaS companies, an airline ticketing partner and four online shops. Between them they account for roughly a third of the 150+ active merchants on the platform.
- Halden
- Moxie
- Ferro
- Lumen
- Optio
- Kova
- Brisk
- Tessel
- Ardent
- Nimbo
- Quill
- Solace
Your numbers could be the seventh case. Onboarding takes 2–5 business days, the sandbox is open today, and there is no monthly minimum for the first 30 days.