SEE COSTS CLEARLY. PROFIT FULLY.

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The unseen cost of payments

Interchange and scheme fees are the biggest cost of electronic payment processing, and they’re affected by a range of complex factors. Learn how to find the most cost-effective payment processing solutions, with practical guidance on adjusting payment routing to achieve this.

* All examples are indicative; real world costs will vary based on region, card type, scheme rules, and other factors

THE ROUTE TO BETTER RATES

Where you route payments affects fees. Routing UK-issued cards through UK entities and EEA-issued cards through EEA entities ensures preferential domestic rates are applied.

Show preferential rates

ARE YOU SETTLING FOR HIGHER FEES?

To help avoid higher interchange fees, aim to submit settlement requests as soon as possible after the payment, such as 24 hours after the authorization.*

*  In certain circumstances, daily batching is not necessary to avoid a penalty fee.
Requirements vary by region or country.

SECURING LOWER RATES

Schemes often incentivize transactions processed with a higher level of security. Additional authentication protocols – such as 3D Secure – can help you secure better rates.

In our example, we show the impact on fees when 3DS authentication is used for an online Mastercard unregulated debit card transaction.

DOWNLOAD THE 
COMPLETE GUIDE

Find out how to manage your processing fees with our practical guide for financial leaders. You’ll learn:

  • The impact of Merchant Category Codes on your fees
  • How security can work in your favor to minimize your costs
  • Why submitting more payment data can optimize fees
  • How to sidestep avoidable scheme fees, and more

Build confidence through clarity

Maximize your margins with optimized, transparent processing costs that help you forecast accurately and plan for growth.

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