Payment Operations Simplified.

SaaS products for all players in the payment ecosystem to digitalise and automate their payment processes. 


Some of our customers

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In collaboration with



Fraud Recovery & Dispute Management Reinvented

Issuing BanksBaaS ProvidersFintechs

The first and only Fraud Recovery and Dispute Management SaaS solution. Amiko creates a whole new way to tackle fraud reporting, fraud recovery and cardholder disputes. By covering the whole lifecycle of a dispute, from pre-dispute (via Ethoca & Verifi) to arbitration rulings by Mastercard and Visa, Amiko can replace any dispute management system. With a truly end-to-end digital approach, Amiko offers a set of unique features, such as automation and cardholder self-servicing in the issuing bank app or portals.



Scheme Compliance Made Easy

Issuing BanksAcquiring BanksService Providers

The only solution designed for and tailored to the scheme license compliance management.  By fully digitalising and automating the administrative part of the process, Kajo drastically reduces the overhead and time spent in organising all required work to stay compliant with changing rules and requirements of payment networks. For Service Providers, Kajo makes it easy to directly access relevant publications and announcements from Mastercard and Visa that impact their business.

What our customers & partners are saying

Daniela Franzin

"Throughout my career in fraud and disputes, I have never seen a solution, like Amiko, that includes everything in one place."

Daniela Franzin
Head Dispute & Claim Resolution

Santosh Ritter

"Visa has selected Rivero as the first Swiss Fintech joining Visa Fintech Partner Connect program. With its innovative SaaS products, Rivero will enable our clients to streamline their processes & bring down costs while improving the cardholder experience.”

Santosh Ritter
Country Manager Switzerland & Liechtenstein

Michal Jerabek

"Upon review of the availability of technologies on the market, Kajo stood out from other solutions for its comprehensive, tailor-made compliance offering, which strengthens our service to our customers."

Michal Jerabek
Chief Product Officer