The payment operations layerfor merchants on more than one payment system
Know where every dollar went.
Oyaka connects your gateway, processor, alert provider and bank. It checks every deposit to the cent, catches refunds that still turned into chargebacks, and tells you each month what to fix first.
Upload last month's files, get your report in about 10 minutes. No card needed. Built by a merchant who lived it.
One unhappy customer
Sale 8841207733
Sale+285.00
Alert fee−30.00
Refund issued−285.00
Chargeback anyway−285.00
Chargeback fee−35.00
Fee to fight it−30.00
You lost−380.00
Oyaka flags this the afternoon the chargeback posts, with the refund proof already attached.
Watch it work
Connect or drop your files. Watch Oyaka work through your month.
No waiting for a call or a week of onboarding. Oyaka pulls, reads and matches every record while you watch, and shows its work as it goes.
1Connect or drop. Link NMI and PayArc with a key, or drop last month's files at once: CSV, Excel or PDF statements, from any system.
2Watch every step. Oyaka identifies each file, matches alerts to disputes and deposits to your bank, and shows each step as it happens.
3See what you lost. Findings appear one by one, biggest first, then your full report. Minutes, not weeks.
Working through AugustEXAMPLE MONTH
✓Connecting to your systemsNMI: 31 batches and 1,341 sales for AugustPayArc: 113 disputes for August
✓Reading your filesKount: 206 chargeback alertsProcessor statement and bank: 30 deposits, 230 bank transactions
✓Matching records across your systemsLinked 87 alerts to the disputes they became30 of 30 deposits found in the bank to the cent
Looking for money you lost…
185 of 206 alerts expired before anyone acted$36,255.00in alerted sales
7 customers were refunded twice$1,439.93refunded twice
108 chargebacks lost without a response$19,962.26lost
Your free first report
See exactly what you lost last month.
Upload last month's reports from your gateway, processor and alert provider. Oyaka matches every alert, refund, chargeback and deposit, and writes it up in plain English.
✓Alerts that expired while nobody acted, and what they turned into
✓Customers refunded twice: once on the alert, again by chargeback or RDR
✓Chargebacks nobody answered, and what responding would have recovered
✓Fees and card network penalties, from your processor statement
✓Every deposit checked against your bank, to the cent
Your August reportEXAMPLE MONTH
You lost $38,731 to chargebacks, 11.6% of card sales.Alerts that expired unworked185 of 206
Customers refunded twice7 · $1,439.93
Chargebacks lost, never answered108 · $19,962.26
Card network penalty$612.40
Deposits matched to the cent30 of 30 ✓
Work alerts twice a day, before they expire
Answer chargebacks already refunded, with the refund as proof
Ask your processor about the network penalty
Everything you log into three portals for, on one screen.
Know tomorrow's deposit today
Your settlement minus chargebacks, alert refunds and every fee, ready by 3:15 PM. Checked against your bank the next morning, down to the cent.
$43,867.23Expected Friday
Fight the disputes worth fighting
Every chargeback gets a recommendation based on your own win history and what it costs to fight. Evidence and the response letter are drafted for you.
$39.00 disputeAcceptFighting costs more than you'd likely win
Find out if your alerts actually work
See which alerts stopped a chargeback and which ones you paid for anyway, network by network. Request credits in one click.
CDRN31% still charged back
See what each processor really costs
Compare rates, chargeback fees and approval rates on your real volume, then route payments to the processor that costs least overall.
3.74%3.25%all-in cost
Set up in an afternoon
- 1
Connect your accounts
Paste your NMI key and PayArc token, and point your alert emails to us. Read-only wherever possible.
- 2
Every record finds its sale
Chargebacks, alerts, refunds and fees are linked to the original transaction, so each sale tells its whole story.
- 3
Act from one screen
Refund a customer, submit evidence or request an alert credit without logging into anything else.
“Every day I checked NMI at 2:15, PayArc at 3:00, then Kount, and I still couldn't tell what would hit my bank. So we built the screen I wanted.”
[FOUNDER NAME], founder of Paylaterr
Pays for itself, or you don't pay
Pick a monthly plan, or pay 15% of what we recover instead: won disputes, alert credits and fee errors. No recovery, no fee.
Merchant
$299/mo
One gateway, one processor, one alert provider. Up to $500K in card sales a month.
Choose Merchant
Growth
$799/mo
Up to $3M in card sales a month. Multiple processors, cost comparison and routing, team roles and a daily summary by text or Slack.
Choose Growth
ISOs and processors
Partner pricing
Offer Oyaka to your whole merchant portfolio, or build it into your own dashboard with our API.
Talk to us about partnering
Pay and everything switches on right away. Rather pay only for results? Choose the Recovery plan. Not ready yet? Get your free report first.
No card numbers. We only ever see the last four digits.
Encrypted keys. Stored in a vault, never shown again.
Full audit trail. Every action is logged with who did it.
Your data stays yours. Disconnect and export anytime.