Patrick Zirnig
Senior Tech Expert at Unzer
My Focus
As a Senior Tech Expert at Unzer, my focus lies on robust payment solutions. For me, service means always looking at the entire business from the customer's perspective.
With extensive expertise in complex payment processing, PSP architectures, PSD2, and PCI-DSS compliance, I connect deep technical knowledge with real customer needs.
Core Competencies.
Technical Integration
Deep understanding of API architectures (REST), Webhooks, SDKs, Payment Gateways, and backend connections for efficiently implementing complex integration projects.
Payment & Acquiring
Profound knowledge of payment methods (Credit Card, Wallets, BNPL, etc.), Authorization Flows, 3DSecure, Tokenization, Routing, and Payment Orchestration.
Risk & Fraud Management
Experience in configuring fraud-prevention rules, scoring models, challenge strategies, chargeback reduction, and balancing risk with conversion.
Conversion Optimization
Analysis and optimization of checkout flows, reduction of payment friction, decline code analysis, smart routing, and retry strategies.
Data Analysis & KPIs
Confident handling of KPIs like Authorization Rate, Approval Rate, Fraud Rate, and Chargeback Ratio, as well as deriving data-driven action recommendations.
Key Account Management
Acting as the interface between enterprise clients, Product, Risk, Operations, and Development – focusing on sustainable technical solutions and long-term customer retention.
Project & Stakeholder Mgmt.
Managing complex implementation projects, prioritizing technical requirements, and coordinating with internal and external stakeholders.
Incident & 3rd-Level Support
In-depth error analysis (Logs, API Responses, Network), root-cause analysis, and sustainable problem solving at the enterprise level.
Compliance Understanding
Profound knowledge of PCI-DSS, PSD2, SCA, AML, and their technical implementation in the payment environment to maintain regulatory standards.
Consulting Competence
Proactive identification of optimization potentials, upselling of technical features, and strategic consulting to scale the payment setup.
Experience.
Senior Tech Expert
UnzerHead of Support and Merchant Operations
mPAY24 GmbHTechnical Support
mPAY24 GmbHLet's work together.
Interested in an exchange about payment innovations, PSD2, or customer support? Let's get in touch.