Webinar: The fragmentation problem: what a payments stack assembled from four or five vendors really costs by The Paypers

The fragmentation problem: what a payments stack assembled from four or five vendors really costs

About

Most payments operations run on a stack that was assembled rather than bought - a processor from one supplier, a gateway from another, 3DS somewhere else, a token vault, wallet integrations. Each with its own contract, its own roadmap, its own support queue.

That made sense when it was built. What has changed is the cost of keeping it. Engineering capacity goes to maintenance instead of product. Launch dates are set by the slowest vendor in the chain. And when something breaks, no single party owns the fix.

It never appears as a line item anywhere, which is why most teams have never added it up.

Join Gabriel Stefanak and Oleg Grinko of DECTA, with Yuriy Kostenko of Flagship Advisory Partners, for a straightforward conversation about where that cost actually sits, how to total it for your own setup and what changes when the core comes from one provider.

When

Thursday, November 5, 2026 · 5:00 p.m. Bucharest (GMT +2:00)

Agenda

What a payments stack actually contains and where complexity starts to cost
Why businesses end up with several vendors and when that becomes a liability
The hidden costs beyond vendor fees, and what gets overlooked in an RFP
How to calculate the true cost of your existing stack
When consolidation makes sense, what it realistically delivers and where migration risk sits
The questions to ask your current providers and any prospective partner
Live Q&A

Presenters

Gabriel Stefanak

Chief Business Development Officer, DECTA

Gabriel leads sales at DECTA, a European payments infrastructure company headquartered in Riga. His focus is DECTA’s in-house technology portfolio - issuer and acquirer processing, a white-label payment gateway and digital banking. He works with institutional clients across Europe and beyond, helping banks, electronic money institutions and fintechs launch and scale payment services on DECTA’s infrastructure.

Oleg Grinko

Chief Marketing Officer, DECTA

Oleg leads marketing at DECTA - brand, product marketing, partnerships, events and investor communications - and shapes how the company tells its story: a payments business that owns both the licences and the technology behind them. He built his career in trading and blockchain marketing before moving into payments. He now works with merchants, EMIs and banks across Europe on what regulated in-house infrastructure makes possible.

Yuriy Kostenko

Partner at Flagship Advisory Partners

Yuriy Kostenko brings 20 years of global experience as a payments advisor, supporting clients worldwide across dozens of successful consulting engagements and M&A advisory roles, including many of the largest payments transactions in Europe. He has deep expertise in market analysis, strategy development, business optimization, and commercial due diligence.
As a recognized expert in merchant acceptance, digital payments, and payment transaction processing, Yuriy works with a wide range of clients, including financial investors, private equity firms, payment service providers, payment schemes, retailers, and other merchant brands.

Joy Macknight

Financial Journalist (Moderator)

Joy Macknight is an award-winning freelance financial journalist and editor who has covered the global financial services industry for over 20 years. Most recently, she was editor of The Banker, a Financial Times publication. Previously, she was features editor at Profit & Loss, editorial director at Treasury Today and editor at gtnews. She also worked as staff writer on Banking Technology and IBM Computer Today, as well as a freelancer on Computer Weekly.

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