Interchange downgrades
Transactions qualify for a higher interchange rate than your pricing assumed.
Underpriced merchants
Blended or legacy pricing that no longer covers the real cost of their mix.
Unbilled fees
Scheme and processing costs that never reach the merchant invoice.
✓
Interchange qualification
Every transaction checked against the rate it should qualify for.
✓
Scheme fees
Assessments and processing fees checked against contract.
✓
MDR and pricing
Merchant charges checked against their pricing plan.
✓
Net margin
Revenue minus cost per transaction, merchant and scheme.
✓
Pricing coverage
Merchants whose pricing no longer covers their cost.
✓
Recovery
Overbilled fees disputed, underbilled merchants rebilled.
Collect
Clearing, interchange, scheme fees and merchant pricing in one place.
Recompute
Expected cost and revenue rebuilt for every transaction.
Compare
Charged revenue against actual cost, per merchant and scheme.
Act
Margin gaps routed for repricing, rebilling or a scheme dispute.
Margin per transaction
Interchange, scheme fees and the MDR you charged are joined per transaction, so margin is measured, not estimated.
Interchange recomputed
Scheme fees allocated
MDR from merchant pricing
Margin per transaction
Margin · October 2026
1.24M transactions
Interchange
Recomputed
Scheme fees
Allocated
MDR
Applied
Negative margin
312 transactions
Merchant · M-20418
Margin 0.42%
Charged MDR
1.10%
Actual cost
0.68%
Downgrades
18% of volume
Suggestion
Review pricing
Pricing coverage
Each merchant is checked against the real cost of its card mix, so pricing gaps surface before they compound.
Cost per merchant
Pricing vs actual mix
Downgrade exposure
Repricing suggestions
Margin › Overview
October 2026
Margin overview
All schemes
Mastercard
Visa
Net revenue
MDR charged
Cost
Interchange + fees
Net margin
−0.03pt
Below cost
Review pricing
Net margin per week
Last 12 weeks
Margin by scheme
Mastercard
0.46%
Visa
0.41%
Amex
0.62%
Local schemes
0.28%
Merchant
Pricing
Margin
Status
M-20418 · Retail
Blended 1.10%
0.42%
Healthy
M-30112 · Travel
Blended 0.95%
−0.08%
Below cost
M-11870 · Marketplace
IC++
0.31%
Healthy
M-27654 · Digital
Blended 1.25%
0.12%
Downgrades
Pricing plans
Blended, IC++ and custom merchant pricing with effective dates.
Blended
IC++
Custom
Cost model
Interchange tables, scheme fees and processing costs.
Interchange
Scheme fees
Processing
Thresholds
When a margin gap is flagged per merchant or scheme.
Amount
Percentage
Per merchant
Approvals
Who signs off repricing and rebilling.
Approvers
Thresholds
Four-eyes
transaction with its margin
merchants priced below cost unnoticed
margin by scheme and merchant
Safeguarding Reconciliation
Client funds against safeguarding, daily.
Learn more
›
Scheme Fees
Check every scheme fee against your contract.
Learn more
›
Compliance Reporting
Reports generated from verified data, not assembled.
Learn more
›
Settlement Reconciliation
Every settlement tied to the activity behind it.
Learn more
›
Chargebacks & Disputes
Every chargeback tracked to the final booking.
Learn more
›
