Acquiring & Payment Costs Manager

About Flatpay

At Flatpay, we’re on a mission to redefine how small and medium-sized businesses handle payments. In just a few years, we’ve become Denmark’s fastest unicorn— now at €280m ARR and expanding rapidly across eight markets (and counting).

We move fast, think big, and build products that make a real difference for business owners every day.

We’re looking for a Strategy Manager to join our Portfolio Management team and help shape how Flatpay manages, grows, and retains our customer portfolio across markets.

You’ll be at the center of our customer operations — driving strategic projects, uncovering insights, and turning data into actions that elevate our customer experience, retention, and growth.

This is a high-impact role for someone who thrives in a fast-moving environment, enjoys both analytical and strategic challenges, and wants to help shape the playbook for customer success in one of Europe’s most ambitious fintechs.

The role

Every transaction our merchants process carries a complex cost structure. At our scale, small improvements in those costs add up to millions in margin. We’re looking for someone to own that cost layer end to end.

You’ll be the commercial owner of our acquirer relationships across all markets, and the person who knows our payment cost better than anyone. You’ll find where we’re overpaying, build the case to fix it, and then go making sure it’s getting done. You’ll report to the Chief Portfolio Officer and work closely with Finance, Operations, Risk, and our country teams.

What you’ll do

• Own acquirer commercials. Act as the commercial manager for our acquiring partners: lead or take part in pricing negotiations and contract discussions and hold partners accountable on cost and performance.

• Run the commercial day-to-day partner operations. Prepare for and take part in monthly and quarterly partner meetings, follow up on action points, and make sure every commercial agreement is set up correctly in practice. That means pricing is implemented as negotiated, invoices match contracts, and changes go live on time.

• Optimize payment costs. Analyze our cost structure by market, acquirer, card type, scheme, and merchant segment. Find levers like routing, card mix, scheme programs, fee-code errors, and over-billing, and turn them into savings.

• Build the cost bridge. Maintain a clear view of transaction cost and margin development across the portfolio. Explain month-over-month movements and flag issues early.

• Shape acquiring strategy. Evaluate acquirers, direct acquiring and scheme options, and new card brands. Bring well-founded recommendations on where and how we should process.

• Track the regulatory and scheme landscape. Monitor scheme fee changes, IFR developments, and acquirer pricing updates, and quantify their impact on our merchants and our margin before they hit.

• Connect costs to pricing. Partner with the markets and portfolio team so that what we learn about cost feeds into merchant pricing and profitability decisions.

Who you are

• 4–8 years’ experience in payments, acquiring, a PSP, a card scheme, or strategy consulting with a strong payments focus

• Strong analytical skills. You’re comfortable working with large transaction datasets in SQL, Power BI, Excel, or similar

• A confident negotiator who can hold a firm position with senior counterparts at large partners while keeping the relationship strong

• You thrive with ownership and ambiguity, and you’d rather fix a problem than report on it

• Fluent English. Any other language from our markets is a plus

Why join

• Direct, visible impact: your work shows up on the P&L

• Ownership of a strategic area in a fast-scaling company, with a short path to leadership

• A team that combines top-tier-consulting-level analytical rigor with a builder mindset

Apply with your CV and a few lines on the biggest cost or commercial win you’ve delivered.