The busy CEO’s no-nonsense guide to (not) picking Mamo
This guide provides quick answers to common questions about Mamo's services, designed for busy CEOs seeking clear and concise information.
If you’re a CEO and have a question for us that isn’t answered here, please comment on this LinkedIn post and it shall be added here within 20 minutes:

Do you have Apple Pay, Google Pay, and Samsung Pay?
Yes.
Do you offer a "Save Card" feature with customizable 3DS2 (option to use 3DS only when saving)?
Yes.
Do you provide a fraud/risk management solution?
Yes - all built into your Mamo Dashboard.
Do you offer dispute resolution support?
Yes - every dispute is touched by a human to ensure it has a high chance of success.
Is there an ability to refund through API?
Yes, partial refunds are also supported via API.
What are your average authorization rates for Apple Pay, Google Pay, Visa, Mastercard and Amex?
It really depends on your customer base. If you send us a transaction report from your current payment processor, we can help you model what you’ll get with Mamo. We also do gateway multiplexing / orchestration such that any failed payments with one PSP get retried with another.
Do you offer Amex?
Yes, we do.
Can you provide a percentage breakdown of transaction failures by reason (e.g., issuer decline, 3DS fail, fraud)?
Our dashboard uncovers detailed analytics and reporting, including a percentage breakdown of transaction failures by reason. Common categories include:
- Issuer decline: Reasons like insufficient funds, incorrect card details, or bank-specific fraud flags.
- 3DS Failure: Transactions failing due to incorrect 3D Secure authentication (e.g., wrong OTP, technical issues).
- Fraud: Transactions flagged and blocked by our fraud detection systems.
- Technical Errors: System-related issues on either our end, the issuer's end, or the network.
What is the chargeback rate benchmark across your base?
Chargeback rates vary significantly across industries. A general benchmark is often considered to be below 1% for most industries. Ours is well below that. We work with our clients to help them maintain healthy chargeback rates through effective fraud prevention and dispute management.
What are your payout schedule options and reserve requirements?
Standard is 5 days, but we can customize this to fit your exact needs. We also have manual settlement options.
Do you offer real-time visibility on failed transactions and root causes?
For sure. Our merchant dashboard provides real-time visibility into all transactions. This can be exposed via API as well.
Do you support manual payment link generation, also through API?
This is our bread and butter.
Is an SDK available for Flutter?
Yes, we provide an SDK for Flutter.
What dashboard features are available?
- Real-time Transaction Monitoring: View all successful, failed, and pending transactions.
- Detailed Reporting & Analytics: Access insights on authorization rates, failure reasons, chargebacks, and settlement reports.
- Customer Management: View customer details and transaction history.
- Refund Management: Process refunds directly from the dashboard.
- Payment Link Generation: Create and manage payment links.
- Fraud & Risk Management: Configure fraud rules and review flagged transactions.
- Settlement & Payout Reports: Track your payouts and financial reconciliation.
- User Management: Manage access for your team members.
https://www.mamopay.com — Try it out for free.
We are on X% + AED Y, can you match it?
We want the chance to seduce you with our product capabilities. We can only do that once we understand your business and needs. We generate pricing proposals after our first call and demo.