About
About Recivr
Recivr is card cost intelligence for acquirers, gateways, processors and issuers. We calculate interchange, assessments and scheme fees on every Visa and Mastercard transaction, and reconcile them against what the schemes actually bill. We are built by payments engineers in London.
Why we exist
Most acquirers learn what a transaction cost weeks later, from a scheme invoice that is hard to trace back to a merchant. Under IC++ pricing that gap is margin: merchants priced below cost go unnoticed, and scheme rule changes misprice whole portfolios before anyone sees them.
Recivr closes the gap by pricing each transaction at true scheme cost when it happens, and by matching those calculations to the schemes' own invoices and clearing files.
How we work
Priced from the scheme rules
Every fee comes from the Visa and Mastercard rules in force on the transaction date, with the rule and rate that produced it attached. Nothing is a blended estimate.
Every status, not just settlement
Authorizations, captures, refunds and chargebacks are each priced as they happen, so cost is known while the transaction is still live.
Checked against what was billed
Calculated fees are reconciled against scheme invoices and clearing reports, so the numbers you act on are the numbers you pay.
What we build
- Explore real-time cost engine
Real-time cost engine
The true IC++ cost of every transaction, as it happens
- Explore pricing management
Pricing management
Per-merchant pricing rules on top of true IC++ cost
- Explore merchant analytics
Merchant analytics
See which merchants actually make you money
- Explore invoice reconciliation
Invoice reconciliation
Every Visa and Mastercard billing line, matched and explained
- Explore interchange reconciliation
Interchange reconciliation
IP755120 and Visa clearing reports, matched to the transaction
- Explore rule change monitoring
Rule change monitoring
Scheme fee changes, priced against your book in advance
- Explore interchange revenue assurance
For issuers
Interchange revenue assurance on every cleared transaction
Speak to us
Tell us about your volumes and how you are billed today, and we will show you your own transactions priced at scheme cost.
hi@recivr.com