Reduce processing costs
Send each payment where it costs the least.
One processor prices every card the same way, whether it suits the card or not. Route each card to the processor that charges least for it, process locally, and keep a second processor live so the rate stays negotiable.
- Visa debitIssued in GermanyEU acquirerDomestic in the EU
- Mastercard creditIssued in the USUS acquirerDomestic in the US
- Visa commercialIssued in the UKUK acquirerBest markup for this card type
Inside one card payment
Where the money goes, and which line you can move.
Every card payment carries the same stack of fees. Some are set by the card. The rest depend on where you send it.
- InterchangeThe card's issuing bankFixed for a given card. Card Attributes tell you what it will be before you route.
- Scheme feesVisa or MastercardFixed for a given card and region, passed through at cost on interchange++ pricing.
- Acquirer markupYour processorMoved by routing each card to the processor that prices it best, and by having a second one to negotiate with.
- Cross-border feeCard network and acquirerRemoved when the card is processed by an acquirer in its own region.
- Currency conversionWhoever convertsAvoided by routing a currency to a processor that settles in it.
- Failed attemptsYour processor, per attemptFewer when stored cards stay current with network tokens and account updater.
The levers
Six ways to pay less per payment without losing the sale.
Route by what the card is
Send each payment to the processor with the best rate for it, by BIN, country, currency or amount, with rules you change in the dashboard.
Process locally
Route a European card to a European acquirer and a US card to a US one, so the payment is domestic and the cross-border fee never applies.
Split traffic to negotiate
Send a share of volume to a second processor with percentage load balancing. A rate card is easier to negotiate when the volume can move.
More acquirers to choose from
Open merchant accounts with acquirers that price your business well, from one application through the Acquirer Network.
Know the card before you route
Card Attributes tell you debit or credit, consumer or commercial, domestic or foreign, the attributes that decide what a payment costs.
Fewer retries to pay for
Network tokens keep stored cards current, so fewer charges fail and fewer attempts are billed.
How it works
From your statement to a lower effective rate.
Read your statement
Send us a processing statement. We break it down into interchange, scheme fees, markup and cross-border, so you can see which line is worth attacking.
Add the right processor
Connect a processor you already use, or open one through the Acquirer Network, priced for the cards and markets you sell to.
Route by cost
Draw rules that send each card segment to the processor that charges least for it, and keep the others as fallbacks.
Works with
Questions teams ask before they switch.
Three layers. Interchange goes to the card's issuing bank. Scheme fees go to Visa or Mastercard. The acquirer or processor adds its own markup on top. Cross-border and currency conversion fees are added when the card and the acquirer are in different countries.
Send us a statement. We will show you where the money goes.
Share a recent processing statement and the markets you sell to. We will break down your effective rate and show which routes would lower it.
- Your statement broken down line by line
- Keep your current processor
- A transparent number before you sign anything