Q1 roadmap

The point each slide needs to land. Rehearse any slide on its own.

1. Q1 roadmap

   Payments team · Leadership review
   1Q1 roadmap

   This is the Q1 plan for payments, and I need a decision today.
   0:30Rehearse
2. Where we are

   41%

   →

   58%

   Payment completion, six weeks after the fix

   2
   2Where we are

   Payment completion went from 41% to 58% after the fix.
   1:00Rehearse
3. What customers told us

   “I gave up when my card failed twice.”

   From 40 support calls in December

   3
   3What customers told us

   Customers leave when a payment fails, not before.
   0:45Rehearse
4. Three bets for Q1

   1

   Instant refunds

   2

   Smarter fraud rules

   3

   One-tap repeat payments

   4
   4Three bets for Q1

   Three bets for Q1, one sentence each.
   1:00Rehearse
5. Bet 1: instant refunds

   Refund in seconds, not days

   Covers 92% of disputes

   Live in February

   5
   5Bet 1: instant refunds

   Instant refunds settle 92% of disputes in seconds.
   1:00Rehearse
6. Bet 2: smarter fraud rules

   3.1

   Oct

   2.9

   Nov

   2.6

   Dec

   1.4

   Jan

   False declines, % of good payments

   6
   6Bet 2: smarter fraud rules

   Smarter rules cut false declines without more fraud.
   1:00Rehearse
7. Bet 3: one-tap repeat payments

   Saved cards for returning customers

   Two taps become one

   Pilot with 3 merchants in March

   7
   7Bet 3: one-tap repeat payments

   Repeat payments go from two taps to one.
   1:00Rehearse
8. What we’re not doing

   New onboarding flow (moves to Q2)

   Crypto payouts

   A second card scheme

   8
   8What we’re not doing

   We’re saying no to three things to protect focus.
   0:30Rehearse
9. Team and hires

   Seven people across product and engineering

   Two hires: a payments engineer and a risk analyst

   Both can start in January

   9
   9Team and hires

   Two hires are what makes the plan possible.
   0:45Rehearse
10. Risks

    Fraud losses rise while rules bed in

    Card scheme sign-off may slip

    Hiring takes longer than planned

    10
    10Risks

    The biggest risk is fraud while the rules bed in, and it’s capped.
    0:45Rehearse
11. Timeline

    January

    Build instant refunds and the first rules

    February

    Refunds live, rules on 10% of traffic

    March

    Full fraud roll-out and the one-tap pilot

    11
    11Timeline

    Everything ships by the end of March.
    0:45Rehearse
12. The ask

    Approve the Q1 roadmap and two new hires.

    12
    12The askYour ask

    Approve the Q1 roadmap and the two hires today.
    1:00Rehearse