Amsterdam · Specialist recovery vehicle · EEA & United Kingdom
We recover
merchant
claims.
Against PSPs, EMIs, payment institutions, banks and acquirers across the EEA and UK. We take legal title to accrued merchant claims and pursue recovery on a coordinated contractual, supervisory and procedural basis. No upfront cost to the merchant.
Cost to merchant
None
No upfront payment required
Recovery split
25–75%
Calibrated to file complexity
Initial response
5 days
Business days from enquiry
What we do.
An Amsterdam-based specialist recovery vehicle for merchant claims against regulated payment service providers across the EEA and UK.
We act as Assignee under a Claim Assignment and Recovery Agreement, take legal title to accrued merchant claims, and pursue recovery through a coordinated procedural, supervisory and litigation framework — calibrated to the contractual law, supervisory regime and documentary record of each file. One operative roof: legal counsel and financial controller working the same file.
In-house legal counsel
We frame the contractual and supervisory posture and conduct the full procedural notice framework from assignment through formal demand.
Financial controller expertise
We work directly on settlement files, scheme passthrough data and ledger entries — isolating the precise quantum in dispute before external counsel is engaged.
Sector-only mandate
Every active file is a merchant claim against a regulated PSP. We do not handle adjacent disputes, general commercial litigation, or unrelated regulatory matters.
Common file triggers.
Merchants usually approach JvHAM after a concrete payment or reserve event, not after classifying a legal claim. The patterns below are common starting points for assessment.
- i. Withheld settlement funds after termination.
- ii. Reserves retained beyond contractual release dates.
- iii. Unexplained deductions, fines or chargeback allocations.
- iv. Scheme recoveries not passed through to the merchant.
- v. Prolonged risk review without substantive account reconciliation.
Is your file likely to fit?
The merchant profile we are calibrated for. Files outside this profile are still considered where the structural facts are sufficiently strong.
Institutional-scale claims
Accrued claims of material quantum against a regulated PSP, EMI, PI, credit institution, bank or acquirer in the EU or UK.
Documentary record
A merchant services agreement, schedules, side letters and reconciliation evidence in fully or substantially executed form.
Documented dispute
Formal correspondence, partial release, contested deduction, or retention extended beyond the applicable release window.
Operational capacity
Capacity to support a recovery over a 3–12 month duration, including documentary requests and supplementary procedural instruments.
What assignment means in practice.
Once engaged, JvHAM becomes the claimant of record and conducts the recovery. The merchant remains economically entitled to its agreed share of recoveries, while substantive counterparty communication is coordinated through JvHAM.
JvHAM is the claimant of record.
The firm takes legal title to the accrued claims under the Claim Assignment and Recovery Agreement and conducts the recovery in its own name. This eliminates a category of procedural defence the counterparty would otherwise raise on assignment validity.
The merchant retains the recovery share.
The merchant remains economically entitled to its agreed share of any Recovered Amount and is informed of material developments. Operational discretion over the recovery passes to the firm.
Counterparty contact is coordinated.
Substantive correspondence with the counterparty is conducted by the firm. The merchant directs any direct counterparty contact to the firm and does not engage substantively after the Notice of Assignment is served.
Commercial structure.
You face no out-of-pocket cost during the recovery and retain a substantial share of any recovered amount.
No advance required
Zero cost
You contribute no funds. We fund all Legal Costs in the first instance. Your contribution is the documentary record and operational cooperation.
Default recovery split
50 / 50
On the net Recovered Amount. Calibrated on a continuous scale between 75/25 in your favour and 75/25 in ours, depending on file complexity.
Cost recovery threshold
2× costs
Legal Costs are only deducted from your share once cumulative recoveries reach 2× cumulative Legal Costs paid by the firm. Early tranche recoveries are protected.
Recovery split — calibrated scale
complexity
file
complexity
Split is set at engagement against a defined complexity assessment — documentary completeness, counterparty posture, jurisdictional features and expected procedural load. The split does not move during the recovery.
How we work.
Recovery proceeds on three parallel tracks. The tracks are coordinated, not sequential.
Contractual track
Formal demand under the underlying agreement, proceedings preparation where required, and litigation conduct calibrated to the relevant forum.
Supervisory track
Engagement with the competent supervisory authority of the counterparty's home Member State, treated as part of the recovery framework rather than as a separate matter.
Procedural track
A documented chain of assignment, notice, authority, joinder and director's confirmation instruments — designed to address defensive postures on assignment validity.
"We operate strictly within the contractual, regulatory and procedural frameworks of the underlying agreement. The Assignment confers your rights — and nothing more.
— Operating posture of the firm
Supervisory engagement
A credible reservation, not an opening move. Where a counterparty engages in good faith and settles within a defined window, a supervisory complaint is not filed.
Settlement architecture
Commercial settlement on mutual release and mutual confidentiality, executed under a formal settlement deed. Settlement is the preferred outcome on every file.
Begin an enquiry.
Two paths into assessment. Both receive an initial response within five (5) business days.
A
Quick fit check
For merchants who want a preliminary view before committing to a full intake. Counterparty, approximate quantum, claim type and a short narrative.
Submit fit check →B
Full file submission
For merchants ready to provide the merchant services agreement context, dispute history, documentary rating and quantum detail required for a substantive fit review.
Submit full file →What happens next
Enquiry
Quick check or full file · reply within 5 business days
Fit review
Documentary completeness and structural features
Engagement
Claim Assignment and Recovery Agreement under eIDAS
For technical or commercial questions in advance of an enquiry, write to [email protected]. All correspondence is treated confidentially.
Contact page →