Network Fee Tracking
Network Invoices represent a large, often unnoticed savings opportunity for most card issuers and acquirers.
Card fees are complex, rising, and often avoidable.
Teams often lack tools to spot errors, new fees, and non-compliance charges.
Without action, fees grow unchecked and savings opportunities are missed.
10-20% of network fees can typically be eliminated or reduced.
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 regular 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 for Network Fees?
The platform serves all Visa and Mastercard issuers and acquirers globally, as well as most ISOs and fintechs, helping them save millions annually by identifying charges which can be reduced, eliminated, or passed through to clients.
Sample 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 network with another
Compare costs across multiple geographies or subsidiaries
Period-on-Period Change in Fees
Accurately budget for network fees
Inform product pricing (e.g. Merchant Discount Rate for acquirers)
Leverage detailed knowledge and insights in scheme negotiations
Prepaid Issuer
Private Equity-owned issuer of Mastercard prepaid 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.
Large Global Fintech Acquirer
A top 10 acquirer operating across North America, Europe and Asia Pacific.
Savings identified: >$50 million/year (↓11%) total potential recurring cost savings.
20+ anomalous/erroneous billing events.
200+ cost saving opportunities.
Our clients typically achieve 70–90% realization of savings identified, analysis is completed in 4-6 weeks, and the majority of savings are realized within months.
CardTraq — a CRG business created in partnership with Pinnacle Payment Economics — is based on over 100 years of card network economic and real-world compliance experience.
Our experts can work alongside your team to identify and implement savings opportunities and ensure you get the maximum value from the CardTraq platforms.