Services
In addition to the CardTraq platform, we offer bespoke card profitability engagements leveraging our expert practitioners, through our consulting partner organization, CRG. There are 5 core services we offer:
Network Fee Optimization (for issuers, acquirers, & ISOs)
Overview: This service involves a comprehensive review of the client’s network fees over the past year. We analyze invoices, fee structures, and incentives to identify discrepancies, unnecessary costs, and potential billing errors.
Benefits: Clients gain transparency over their fee structure, enabling them to remove unnecessary costs and challenge inappropriate charges. This audit improves budgeting accuracy, helps in planning product profitability, and informs strategic decisions like network selection or contract negotiations.
Our Network Fee Optimization service typically yields 10%-15% cost savings for issuers and acquirers
Interchange Review (for issuers, acquirers & ISOs)
Overview: Designed for acquirers and ISOs, this review focuses on optimizing interchange fees. It includes a detailed analysis of transaction types, merchant and product setups, and operational processes to ensure accurate interchange categorization and minimize costs.
Benefits: Clients can reduce their interchange costs, widen margins, and enhance pricing competitiveness. With greater visibility into interchange fees, clients can prevent unnecessary expenses and improve the profitability of merchant portfolios.
Merchant Pricing Model (for acquirers & ISOs)
Overview: Our Merchant Pricing Model allows acquirers and ISOs to price merchants accurately by integrating various pricing structures (e.g., blended, interchange++, etc.) with a robust set of revenue and cost drivers, including network fees, interchange, and operational expenses.
Benefits: This model enables consistent, data-driven pricing decisions by calculating accurate P&L and KPIs for each merchant. The tool’s flexibility helps clients adjust assumptions and gain insights into merchant profitability, allowing for competitive and transparent pricing.
Cost Allocation Model (for issuers, acquirers & ISOs)
Overview: This service offers a structured approach to allocating network and processor fees to merchants or programs. The model ingests fee data, applies customizable allocation rules, and provides transparent calculations for each merchant or volume category.
Benefits: The cost allocation model maximizes cost recovery, improves profitability, and ensures consistent fee allocation practices. Clients benefit from increased visibility and reduced manual intervention, which enhances operational efficiency and supports defensible pricing for merchants.
Compliance as a Service (for issuers, acquirers, & ISOs)
Overview: Our Compliance as a Service provides one time or ongoing support to ensure your card and acquiring programs adhere to network and industry standards. This service includes data reviews, third-party vendor assessments, and compliance gap analysis to proactively manage risks and avoid non-compliance penalties.
Benefits: By leveraging our expertise, clients can maintain continuous compliance without dedicating internal resources, reducing operational risks and potential financial liabilities. This service ensures that your organization stays aligned with network and industry requirements, enabling clients to focus on core business activities while fostering trust with stakeholders.
