Network Fee Tracking
Network Invoices represent a large, often unnoticed savings opportunity for payment card issuers, and 10-20% of network fees can typically be eliminated or reduced.
For every $1B in transaction volume, you have the potential to save up to $1M, without any lost value or additional resource.
We bring together the tools and expertise to support you at any stage of network fee optimization
We bring together the tools and expertise to support you at any stage of network fee optimization
Our advanced network fee tracking platform sits at the core of our fee optimization offering.
Clients use it to analyze and monitor their invoices on a monthly basis, supported by CardTraq specialist expertise, putting them in control of network fees and compliance programs.
We’re saving our issuer and acquirer clients millions in network fees, every year.
Our SaaS solution requires zero integration with client systems and ingests zero sensitive cardholder data.
Who benefits from using CardTraq Fee Analysis?
CardTraq Fee Analysis serves all Visa and Mastercard issuers globally, as well as acquirers, ISOs, and fintechs, helping them save millions annually by identifying charges which can be reduced, eliminated, or passed through to clients.
Specific Benefits
Fee Movements Detail
Clarity of fees paid
Aggregate view across multiple countries and subsidiaries
Granular view to unique fee level
Fee trend analysis
New Fee by Month
Reveal new fees never seen before
Reveal exceptional fees such as fines
Contest fees quickly
Drive fee ownership amongst subsidiaries
Fee Decomposition
Trend analysis over time (absolute and basis points)
Compare one scheme with another
Compare costs across multiple geographies or subsidiaries
Period-on-Period Change in Fees
Accurately budget for scheme fees
Inform product pricing (e.g. Merchant Discount Rate for acquirers)
Leverage detailed knowledge and insights in scheme negotiations
Case Studies
Prepaid Issuer
Private Equity-owned issuer of Mastercard prepaids cards across US, Australia, UK, and Republic of Ireland.
Savings Identified: $4 million/year (↓18%) total potential recurring cost savings.
27 anomalous/erroneous billing events.
209 cost saving opportunities.
International Multi-Product
A NASDAQ-listed global payments company with card issuing businesses across multiple continents.
Savings identified: $1.5 million/year (↓12%) total potential recurring cost savings.
8 anomalous/erroneous billing events.
24 cost saving opportunities.
Unicorn Fintech
A European issuer of commercial cards across multiple geographies.
Savings Identified: $1.1 million (↓22%) total potential recurring cost savings.
19 anomalous/erroneous billing events.
21 cost saving opportunities.