Processing fees reduction
Lower effective processing costs with routing strategy, interchange optimization, and contract hygiene.
Typical call: 25 minutes.
- Fee and interchange audit
- Routing optimization plan
- Authentication and retry updates
- Contract negotiation inputs
- Cost monitoring dashboard
What you will get
A cost reduction plan that balances approval rates and reliability.
1. Fee and interchange map
A breakdown of effective fees by provider, card type, and region.
2. Routing and orchestration plan
A routing strategy that shifts volume to lower cost paths without losing approvals.
3. Authentication and retry improvements
Optimizations for 3DS, retries, and token usage that reduce costs and failures.
4. Contract and fee negotiation inputs
A data backed view of pricing leverage, fee issues, and renewal priorities.
5. Ongoing cost visibility
A monitoring setup to track effective fees and detect cost drift.
How the engagement works
A focused engagement to identify and execute the highest impact cost levers.
Week 1. Cost baseline
Gather fee schedules, billing files, and processing reports to establish the baseline.
Week 2. Cost driver analysis
Identify top cost drivers across routes, methods, and issuers.
Week 3. Routing and contract plan
Define routing changes, authentication improvements, and pricing priorities.
Week 4. Handoff and roadmap
Deliver the savings roadmap with owners and estimated impact per lever.
Example outcomes
Savings teams typically capture.
- Lower effective fees across top volume regions.
- Improved approval rates with smarter routing and 3DS usage.
- Better negotiation leverage for renewals and new providers.
- Clear visibility into fee changes over time.
What we need from you
A short checklist to start the audit.
- Processor statements, fee schedules, and billing files.
- Current routing and authentication settings.
- Contract renewal dates and pricing tiers.
- Volume and approval rate data by region and method.