Capability
Payment intelligence
Payment intelligence means understanding what is driving your payment costs before anyone proposes changing them.
The problem with headline rates
A statement can show a total cost without making clear what produced it. Percentage rates, per-transaction fees, gateway charges, terminal rental, PCI charges, commercial-card costs and international-card costs all contribute, and each responds differently to a change in trading pattern.
What we establish
- Effective blended rate across all payment costs
- Average payment cost per transaction
- Fixed versus variable cost proportion
- Channel profile: card present, card not present, payment link
- Exposure to commercial and international card costs
Structure before switching
A provider change made without understanding the structure can move cost rather than reduce it. Analysis first, decision second.
Common questions
Answers
- Does BlueIxia guarantee a saving?
- No. BlueIxia does not publish benchmark rates or guarantee savings. Pricing depends on merchant profile, transaction mix, card mix, underwriting and provider terms.