BlueIxia Intelligence
Payment cost analysis
Payment cost analysis takes a merchant's own figures and reconstructs the cost structure behind them, so the commercial conversation starts from evidence.
Pricing models
- Blended, a single rate applied across card types, simple to read but opaque
- Interchange Plus, scheme and interchange costs passed through with a defined margin
- Interchange++, interchange, scheme fees and margin itemised separately
- Unknown, common, and the first thing worth establishing
What the analysis produces
- Monthly and annual total payment cost
- Effective blended rate
- Average payment cost per transaction
- Fixed-cost and variable-cost percentages
- A channel profile across present, not-present and link transactions
What it deliberately does not do
It does not invent a benchmark rate, quote a replacement provider rate or state a guaranteed saving. Those figures depend on underwriting and provider terms that no calculator can predict.
Common questions
Answers
- What do I need to run an analysis?
- A recent merchant statement is ideal. Monthly turnover, total fees, transaction count and your channel split are enough to begin.