Optimize Your Card Economics with Actionable Insights on Network Fees and Interchange.

Payment card networks continuously update their pricing and compliance requirements.

Staying current is a time-consuming and laborious process, but failure to do so can incur significant hits to profitability.​

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Savings opportunities identified to date in 2025

Our Approach

Network-driven costs represent a substantial savings opportunity for issuers, acquirers, & BIN sponsors. ​

We focus on two broad P&L drivers…​

  • Interchange​

  • Network Fees​

…and two levers to maximize profitability and competitiveness:​

  • Cost Reduction

  • Income Optimization

We typically save our clients 10-20% of network fees, 5-10% of interchange fees, and increase cost recovery by up to 50%.​

A business levers matrix with categories of cost reduction, income optimization, and interchange, evaluated for networks and P&L drivers. It includes specific items such as network fee review, fee tracking, and interchange review and tracking, with labels indicating whether reviews are one-time or ongoing, and if they pertain to networks, P&L, or both. The background features an abstract illustration of multiple credit cards.
Explore Our Offerings

Our offerings are relevant to all types of card - credit, debit, prepaid, payroll, commercial - as long as they are Visa or Mastercard branded

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Network Fee Tracking

Effortlessly understand, control, compare and forecast your costs.​

Saving our clients millions in network fees, every year.​

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Interchange Tracking

Gain detailed visibility into interchange drivers and levers for improvement.

Strengthen P&L control, support better strategic decision-making, and improve forecasting accuracy.

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Services

Additionally, we offer tailored card profitability engagements leveraging our expert practitioners, through our consulting organization.

Our Client Value

Our experts have supported many of the world's leading payments organizations

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“Before CardTraq, network fees were a black box. Now, we have a clear monthly view of every charge, and can challenge unexpected items with confidence. We’ve already saved seven figures and strengthened our merchant pricing.”​

COO, Mid-Sized Acquirer​

A person working at a desk with multiple monitors and charts on the wall, analyzing financial data.

“CardTraq helped us uncover hidden fees and gave us the transparency we needed to streamline our cost structure. It’s rare to find a tool this powerful that’s also this easy for a bank to use.”​

Head of Product & Ops, Digital-First Issuer

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“CardTraq turned fee optimization from a manual slog into a strategic advantage. We now track trends across multiple regions and products, spot anomalies early, and make more informed decisions.”​

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CFO, Global Issuer​