Fee Optimization & Intelligence
<Know what every transaction really costs.>
Go deeper than fee totals. See the interchange qualification and scheme fees behind every transaction, and the true cost of each one. Know when you're at risk of a scheme penalty, before it's charged.
How it works
Payment cost data is scattered across PSP dashboards, settlement reports, invoices and spreadsheets. A single card scheme can bill dozens of fee lines, each with its own description. IXOPAY reads them all and builds one cost model you can trust.
Connect: Connect your PSPs and acquirers directly, with no code.
Classify: Every fee is broken down by type, then matched to its interchange qualification or scheme fee description.
Allocate and flag: Fees are allocated back to each transaction. Downgrades, penalties and rising fee lines are flagged.
Every fee, explained
Interchange qualification analysis
Go below the interchange total to the qualification behind every transaction. See which transactions missed the best rate, why, and what it cost.
Scheme fee intelligence
Every scheme fee line, read from its description and grouped into categories you can understand. See which fees are new, which are growing and which are penalties.
Penalty early warning
See the penalties you've already paid, and the ones heading your way. Get warned by alert, email or Slack when your VAMP or GMAP ratio nears a threshold.
Fee allocation
Allocate every fee back to the transaction, MID, market or customer, including non-transactional and invoice-level fees. Get the true and final cost of each transaction. Then see which markets and customers are really profitable.
Conversion fees
Chargeback fees
Non-transactional fees
Key benefits
Know your true cost per transaction
Every fee is allocated back to the transaction, including non-transactional and invoice-level fees. Finally, one number you can trust.
See what every downgrade costs
See which transactions missed the best interchange rate, why they missed it, and what it cost you.
See penalties coming
Spot scheme penalties in your fee lines. Get an alert, email or Slack message when you are near a VAMP or GMAP threshold.
Cut costs without hurting approvals
Costs sit next to approvals, refunds, disputes, 3DS and retries. See the trade-off before you make it.
