COO / Operations
Launch new money scenarios faster.
Whether or not you already have your own payment layer
Reduce manual workSettleOps executes money operations automatically and handles failures by the rules you set,
and shows money movement in one place.
SettleOps takes repetitive money work off your staff.
Work out what share of manual work SettleOps has to take off to pay for itself.
Enter your volumes, handling time and hourly cost.
Volume: operations a month.
SettleOps fee — 12 ₽ per operation of any type.
All manual work — ₽340,104 a month, reduction potential — ₽286,875; spend on SettleOps — ₽120,000, 42% of the potential.
Failure handling
Tick the failures your staff handle by hand and enter how many there are a month and how many minutes each takes.
Failures are handled by engineers: ₽ gross a month per person, an hour — ₽1,875.
Stuck operation control
Tick the waits your staff track by hand and enter how many checks and decisions there are a month and how many minutes one check or decision takes.
Stuck operations are handled by operations staff: ₽ gross a month per person, an hour — ₽625.
Finding out operation status
Tick what support looks up by hand to answer a customer and enter how many requests there are a month and how many minutes one takes.
Operation status is looked up by support: ₽ gross a month per person, an hour — ₽500.
Related money actions
Tick the money actions your staff start by hand and enter how many there are a month and how many minutes one takes.
Related actions are started by finance: ₽ gross a month per person, an hour — ₽625.
When does SettleOps pay off?
Example for 10,000 operations a month
All manual work
321.7 h
a month · ₽340,104
Reduction potential
257.5 h
a month · ₽286,875
Break-even threshold
42%
fee ₽120,000 a month
failure handling: ₽223,438stuck operation control: ₽25,000finding out operation status: ₽39,583related money actions: ₽52,083needs a person: ₽53,229
SettleOps pays for its fee if it cuts at least 42% of the manual work potential.How much of the work can really be automated, we will find out in a pilot.
Calculation assumptions
Model: 160 working hours a month; an hour of staff time is their cost divided by 160.
The simplified formula assumes an automated case needs no more manual effort. Cases that require a person are not part of the reducible share.
Freed time does not necessarily mean a direct cut in costs.
See all money movement in one placecoming soon
Add a ready backup operations layer out of the boxIf your own money-handling code starts throwing errors,
switch operation processing to SettleOps.
SettleOps picks up new operations
when your code starts failing.
Work out how many failures SettleOps has to prevent to pay back the integration.
Enter your volumes, margin and failure figures.
Operations a month , average ticket ₽.
Contribution margin on operations — %.
One failure lasts h, failures a year — .
Share of operations lost — %.
An engineer costs ₽ gross a month.
Integrating SettleOps and describing business logic with the SettleOps SDK
engineer for week.
How to estimate the integration effort
Estimate the changes to your product’s code.
Specifically, how long it takes to build the code that switches operation processing to SettleOps with the SettleOps SDK.
SettleOps fits you if it supports the scenarios you need, recurring payments for example.
Switching new operations must be built and tested in advance.
Operations already started are not moved automatically.
Say your code switches traffic to SettleOps in minutes.
SettleOps fee — ₽12 per operation of any type.
One failure: ₽11,111 of profit lost without a backup, ≈ ₽9,792 prevented. The integration, ₽75,000, pays off at failure 8.
When does SettleOps pay off?
Example for 10,000 operations a month, a 4 h failure
Loss from one failure
₽11,111
without a backup, new operations stall
Losses prevented
≈ ₽9,792
per failure: net of losses before switching and the fee
Break-even threshold
8 failures
integration ₽75,000 ÷ ₽9,792
preventable losseslosses before switchingfailures beyond your year — up to the thresholdintegrationfee
SettleOps pays back the integration if it prevents at least 8 such failures.With 4 failures a year, in about 2 years.
Calculation assumptions
Losses are the contribution margin on lost operations: operations × average ticket ÷ 720 h × margin × share of operations lost.
Losses prevented per failure are losses without a backup minus losses before switching and the fee for operations during the failure. SettleOps integration is engineers × weeks × engineer cost ÷ 4.
Backup maintenance and fees for money actions are not included. With other figures the result may be considerably better or worse. If operations can be carried out later without losing profit, the economic benefit of a backup is smaller.
Questions and answers
What is an operation? Is it a payment or a payout?
An operation is a container for financial actions: payments, refunds and payouts. It usually maps to a business transaction in your product. For example, an apartment rental deal consists of the tenant’s payment and the payout to the owner.
Is this some kind of payment gateway?
No. SettleOps is a payment operations layer that sits between your product and payment gateways. It runs the whole operation and routes payments, refunds and payouts through rails that are already connected, providing orchestration, oversight and resilience.
Why not write this ourselves — with AI in a week?
A happy-path scenario is quick to write. Everything else is expensive: retries and rail failover, timeouts, partial execution, disputed outcomes, audit. That is SettleOps.
We already have a payment layer. Why do we need SettleOps?
Launch new money scenarios without expanding your own infrastructure for running them. If SettleOps already supports the scenario you need, you only have to integrate it into your product. You won’t have to build and maintain new mechanisms for orchestration, retries, timeouts and execution control yourself.
Won’t we become dependent on you?
Your code works with operations through the API and webhooks, not with provider models.
What if we decide to stop using SettleOps?
Your business processes stay in your product. You can stop creating new operations in SettleOps and move their execution to your own system or another provider. Operation history is available through the provided export mechanisms; operations created earlier must be completed or settled before you disconnect.
What happens if SettleOps itself goes down?
An accepted operation is stored together with its plan and attempts and continues after recovery. Nothing is restored from memory.
How much does it cost?
Pricing is not fixed yet — we’ll discuss it on the pilot.