KM melikyan.tech
Independent consultant · Payments & AI automation

Konstantin
Melikyan

I make payment stacks approve more, cost less and break less often — with AI doing the busywork.

Merchants I work with have doubled revenue by adding the right payment methods and cut processing spend by up to 50%. Analytics, settlement optimisation, real-time incident alerts and introductions to the right processors — worldwide, for any MCC.

Tell me about your payment stack Connect on LinkedIn
payment-flows / live monitoring
Merchant revenue
2×
Processing spend
up to −50%
Card acquirer A EU OPERATIONAL
Card acquirer B US OPERATIONAL
Digital wallet EU DEGRADED
Instant bank transfer LATAM OPERATIONAL
APM gateway APAC TIMEOUTS
Payout rail GLOBAL OPERATIONAL
Alert sent: wallet checkout degraded in EU · traffic rerouted to backup acquirer
2×
Merchant revenue
by adding the payment methods their customers actually use
−50%
Processing spend
up to half off fees through routing, provider choice and renegotiation
600+
payment methods researched, mapped and documented worldwide
850+
banks and issuers catalogued with their supported methods
900+
real checkout flows captured end to end, screen by screen
68
payment providers and dependencies monitored around the clock
What I do

Every payment flow, measured, tuned and watched.

Six things merchants hire me for. Most engagements start with one and grow into the rest once the data is in one place.

01

Payment performance analytics

Approval, decline and chargeback rates by method, country, issuer, BIN and processor — one view across every provider you use, with the decline reasons that actually matter.

02

Approval & cost optimisation

Routing and retry logic, local methods where cards underperform, and fee reviews line by line. Higher conversion and a lower effective rate, proven with your own numbers.

03

Settlement flow optimisation

Shorter settlement cycles, fewer currency conversions, automatic reconciliation of payouts against orders — so finance stops chasing missing money in spreadsheets.

04

Real-time incident alerts

Payment method downtime, processor faults, approval-rate drops and webhook failures detected in minutes and pushed to Slack, Telegram or email — before customers notice.

05

Dashboards of every payment flow

Pay-in, payout, refund and chargeback flows mapped and visualised, with a public or internal status page for each provider and method you depend on.

06

AI automation of payment ops

AI agents that research providers, capture and document checkout flows, draft reports and keep content up to date — the manual work your team does every week, done automatically.

Business development & referrals

The right processor for your markets, methods and MCC.

Expanding to a new country, rejected for your category, or stuck with one acquirer? I match merchants to payment processors and acquirers that actually support the methods, currencies, payout capabilities and merchant category codes you need — and make the introduction.

Ask for an introduction
METHODS
Cards, wallets, bank transfers, BNPL, vouchers, local schemes
CAPABILITIES
Recurring, refunds, payouts, chargeback handling
MCC
Standard and high-risk categories matched to accepting providers
REGIONS
Worldwide — every region, cross-border included
Built, shipped, running

Not slides. Systems that run every day.

Global payments intelligence

A live map of the world’s payment methods

600+ methods and 850+ banks researched and described by AI pipelines, with recurring, refund, payout and chargeback capabilities for each — the same data I use to advise merchants on where and how to accept payments.

Outage monitoring

Provider status, watched 24/7

A monitor covering 68 payment providers and their infrastructure dependencies, with a public status page and instant channel alerts when a processor or method goes down.

Checkout flow capture

900+ checkout flows, recorded automatically

Every step of real payment flows captured as interactive walkthroughs and video, so merchants can see exactly what their customers go through before they integrate a method.

Provider CRM

A processor CRM built around MCC matching

A purpose-built CRM of payment providers, their accepted categories and coverage — the engine behind fast, accurate referrals for merchants in any vertical.

How I work

Three steps. You keep everything I build.

01

Audit

I pull data from your processors, map every flow and show you where money and conversions are leaking — ranked by impact.

02

Optimise & automate

Routing, methods, settlement and providers fixed; repetitive ops work handed to AI agents with human sign-off where it counts.

03

Monitor

Dashboards and alerts stay on, so you hear about a failing processor or a dropping approval rate in minutes, not at month end.

Contact

Tell me about your payment stack.

A few lines are enough. I reply personally with a first read on where you can gain.

Or message me on LinkedIn
What do you want to improve?