open account

Customers

The number that moved, and by how much

Three companies, three different problems, one measurement window each. Figures come from their own dashboards, not ours.

Meridian

Corvo

Baleia

Fjord Mobility

Tarja

Norte Seguros

Halden

01 — Subscriptions

Meridian

Renewal failures were quietly cancelling 1 in 12 accounts

A single acquirer, no retry logic, and a dunning email that arrived two days after the card was already replaced. Nord took over the retry schedule and routed renewals by issuer behaviour.

involuntary churn

−61%

8.3% → 3.2%

renewal approval

+9pt

84% → 93%

window

5 mo

post-migration

01 — Subscriptions

Meridian

Renewal failures were quietly cancelling 1 in 12 accounts

A single acquirer, no retry logic, and a dunning email that arrived two days after the card was already replaced. Nord took over the retry schedule and routed renewals by issuer behaviour.

involuntary churn

−61%

8.3% → 3.2%

renewal approval

+9pt

84% → 93%

window

5 mo

post-migration

Hand holding a phone showing a payment app

In their words

We had spent two quarters arguing about pricing and positioning. The churn was a payments bug the whole time. Nord found it in the first week of data.
AC
Ana Cardoso
VP Finance, Meridian
Finance stopped reconciling by hand in the second month. Settlement now closes the same day the money moves, and nobody stays late for it.
TR
Tomas Ribeiro
CFO, Halden
We swapped three acquirers in a week without touching the checkout once. That was the entire reason we moved.
IL
Iris Lindqvist
Head of Payments, Tarja

Logistics yard stacked with shipping containers

02 — Marketplace

Corvo

Month-end close took eleven days and two spreadsheets

Split payouts across 14,000 sellers, reconciled by hand against four provider reports. The live ledger replaced both spreadsheets and the reconciliation contractor.

close time

11d → 0

continuous

payout errors

−94%

per 10k transfers

finance hours

−320/mo

reallocated

02 — Marketplace

Corvo

Month-end close took eleven days and two spreadsheets

Split payouts across 14,000 sellers, reconciled by hand against four provider reports. The live ledger replaced both spreadsheets and the reconciliation contractor.

close time

11d → 0

continuous

payout errors

−94%

per 10k transfers

finance hours

−320/mo

reallocated

03 — Fintech

Baleia

Fraud review was blocking good customers at 3am

A rules engine written in 2020 flagged 2,000 cases a day for a team of six. Inline scoring cut the queue to exceptions and pushed decisions to 38 milliseconds.

false positives

−78%

good orders recovered

review queue

2k → 90

cases per day

chargeback rate

0.08%

held flat

03 — Fintech

Baleia

Fraud review was blocking good customers at 3am

A rules engine written in 2020 flagged 2,000 cases a day for a team of six. Inline scoring cut the queue to exceptions and pushed decisions to 38 milliseconds.

false positives

−78%

good orders recovered

review queue

2k → 90

cases per day

chargeback rate

0.08%

held flat

04 — Who runs on Nord

Three shapes of the same problem

Subscriptions

Recurring revenue

Renewals fail silently and look like churn. Retry timing recovers most of it.

avg. +7pt approval

Marketplaces

Split payouts

Many sellers, many currencies, one ledger that has to balance every night.

avg. 0-day close

Fintech

High-risk volume

Fraud pressure and thin margins, where every false positive is a lost customer.

avg. −70% review load

Fintech

High-risk volume

Fraud pressure and thin margins, where every false positive is a lost customer.

avg. −70% review load

05 — Your turn

Find out which number moves for you

Share 30 days of transaction data and we return a projection with the assumptions written out.

Request a projection

See pricing

05 — Your turn

Find out which number moves for you

Share 30 days of transaction data and we return a projection with the assumptions written out.

Request a projection

See pricing