Karthick Raja K.

High-Risk Merchant Strategist & E-commerce Analytics Expert -15+ Years

High-Risk Merchant Strategist & E-commerce Analytics Expert | 15+ Years in Global Payment Infrastructure, Risk & Revenue Optimization Expert End-to-End Payments Strategy | From Approval to Optimization As a seasoned Payments Head with over 15 years of experience, I help e-commerce, fintech, SaaS, and high-risk businesses build, scale, and optimize their global payment infrastructure. I work with merchant acquirers, payment gateways, fraud systems, BI tools, and finance teams to ensure not only approval, but maximum conversion, low decline rates, and full compliance across markets. Expertise Includes: • High-Risk Merchant Account Setup (US, EU & Offshore) • Global Payment Stack Design (PSPs, acquirers, processors), PSP & Acquirer Negotiations and Relationship Management • Multi-gateway Strategy (redundancy, failover, smart routing, Load Balancing and Cascades) • Payment Gateway Integration based on Network Tokens, PAN and Subscription orchestra • Payment Solutions & Chargeback Reduction and representments • Fraud Prevention, Risk Monitoring & Compliance [PCI DSS] • Cross-border Optimization (Currency Conversion, FX, Local Payment Methods) • Custom Payment Workflows – Check Out flow and AB Tests • Tableau Dashboards, Assist in Paid Ads, Organic Marketing, CPA and LTV • KYC/AML Documentation Support & Offshore Incorporation Guidance and Structuring • Monitor approval rates and decline rates over time • Analyze ad spends ROI across platforms • Benchmark profitability across geographies Industries Served: • E-commerce, High Risk • Market Places, Fintech and Betting • Wellness, Fitness & Subscription Models • Supplements / Dating / Apparels I help companies: • Improve approval rates and reduce declines • Set up Geo-optimized routing to boost cross-border performance • Reduce fraud losses and chargeback ratios • Track profitability across channels (LTV, CPA, fraud rate, refund rate) • Integrate BI dashboards for better executive reporting • Navigate compliance, especially in sensitive or regulated sectors Tools & Tech: • Gateways: Adyen, Checkout.com, Stripe, NMI, Authorize.Net, Braintree, Chase, Shopify and PayPal • Network Tokens, PAN • Fraud/Compliance: Kount, 3DS, Ethoca • Analytics: Tableau, Looker Studio, Google Sheets Why Work with Me: • Former Head of Payments for global brands handling $40M+ annual volume • Trusted by 100+ startups, D2C brands, and fintech companies • Deep insight into both payment strategy and growth metrics • Deep experience in compliance, fraud, offshore strategy, and chargebacks • Fast, discreet, senior-level execution