Fintech & Payments
Turned unreliable recurring revenue into money collected on schedule
Customers approve once, and the system collects, retries, and reconciles on its own.
Situation
A biller's recurring revenue was leaking through late and failed payments. Customers forgot, staff chased invoices by hand, and finance only found out when the money did not arrive.
Action
I set up collections that pull payments on an approved schedule. Customers approve a debit once, the system submits each collection automatically, retries failures sensibly, and reconciles the results, all within the scheme and regulator's rules.
Impact
Recurring revenue stopped leaking. Collections now succeed on schedule, manual chasing dropped, and recovering a failed payment is handled by rules rather than phone calls.
Insight
The approval is the asset. With the right authority and sensible retries, recurring revenue stops leaking. The rail itself is the easy part.
Where it ran
GhIPSS GACH Direct Debit (mandate-based)
Figures for this engagement are available on request.
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Fully remote worldwide, open to global opportunities. Working across US and EU time zones from Accra, Ghana.