Price every merchant on your own rules
Set how each merchant is priced on top of true IC++ cost — by region, card type, amount and currency — and see the margin on every transaction as it is priced.
- Pricing rules per merchant, not one blended rate
- Conditions on region, card type, amount and currency
- Margin over true cost on every transaction
Pricing rules
- Intra-EEAConsumer debitIC++ + 0.20% + €0.05
- Intra-EEACommercial creditIC++ + 0.45%
- Inter-regionalIC++ + 0.90% + €0.10
- Amount over €1,000IC++ + 0.15%
- Currency not EURIC++ + 0.60%
True cost
€0.43
Price
€0.68
Margin
€0.25
€100.00 consumer debit, intra-EEA, priced by the first rule.
Rules, not spreadsheets
Each merchant's pricing, written down once
Merchant pricing usually lives in contracts and spreadsheets, and gets applied by hand. Here it is a set of rules on the merchant: which transactions they cover, and what is charged on top of cost.
- A rule set for each merchant
- Percentage and fixed components on top of IC++
- Change a rule and the next transaction is priced on it
Pricing rules
- Intra-EEAConsumer debitIC++ + 0.20% + €0.05
- Intra-EEACommercial creditIC++ + 0.45%
- Inter-regionalIC++ + 0.90% + €0.10
- Amount over €1,000IC++ + 0.15%
- Currency not EURIC++ + 0.60%
True cost
€0.43
Price
€0.68
Margin
€0.25
€100.00 consumer debit, intra-EEA, priced by the first rule.
Margin you can see
Price and cost on the same transaction
Because the cost engine knows the true interchange and scheme fees of each transaction, every price comes with its margin. Merchants priced below cost show up the day it happens, not at the end of the quarter.
- True cost, price and margin side by side
- Transactions priced below cost flagged as they happen
- Feeds straight into merchant analytics
One transaction, both sides
- Interchange
- €0.20
- Scheme fees
- €0.23
- True cost
- €0.43
- Merchant price
- €0.68
- Margin
- €0.25 · 25 bps
Conditions
Price on what the transaction actually is
Region
Domestic, intra-EEA and inter-regional transactions priced differently.
Card type
Consumer or commercial, debit or credit.
Amount
Different pricing above or below the amounts you choose.
Currency
Separate pricing for transactions outside the merchant's currency.
Per merchant
Each merchant carries its own rule set.
On top of IC++
Percentage and fixed components added to the true cost.
The rest of the platform
One engine, several surfaces.
Every product below runs off the same priced transaction events.
Real-time cost engine
Interchange and every scheme fee calculated in under 50 ms, at authorization, capture, refund and chargeback.
Merchant analytics
Scheme cost in basis points by merchant, MCC, card product and region, so under-priced merchants stand out.
Invoice reconciliation
Visa and Mastercard invoices matched line by line against calculated fees, with every difference traced to its rule.
Interchange reconciliation
The schemes' own clearing reports reconciled against your transactions, with a daily deviation in basis points.
Rule change monitoring
Visa and Mastercard releases and bulletins mapped in with effective dates, so you see what each change costs before it is billed.
See your merchants priced on real cost
Bring a merchant's current pricing and a day of its traffic. We will show you the margin on every transaction.