Customer stories
Nobody switches processors because a website told them to. They switch because someone finally itemised the statement and found four hundred basis points of difference between what they were quoted and what they were charged. The analysis is the product. These are the analyses.
We were quoted 2.9% and we believed it for six years. The first thing the analysis did was separate interchange from the markup on top of it, and the markup turned out to be the smaller problem — a fifth of our renewals were debit cards being cleared as credit. Nobody was hiding it. Nobody was showing it either.
The opportunity is never the same twice. A marketplace loses money on payout mechanics; a nonprofit loses it on an interchange programme it never enrolled in. Composite companies, modelled figures — individual write-ups are not published yet.
SaaS
−38 bps
Two fifths of renewals were debit cards clearing at credit interchange. The fix was a BIN lookup, not a contract.
Marketplace
$41,200/yr
Seller payouts fired per order instead of per day, so every fixed transfer fee was paid eleven times over.
Ecommerce
+2.4 pts
Failed-payment retries all fired at 02:00 UTC. Moving them to the issuer's local morning recovered most of the gap.
Nonprofit
$9,800/yr
Eligible for charity interchange on both card networks for four years. Enrolled in neither. Nobody had ever checked.
Platform
−27 bps
Domestic charges from three EU sellers were routed through a US acquirer and picked up a cross-border assessment each.
Retail
$6,400/yr
Terminals batched at closing, past the network cut-off, so card-present sales downgraded to a higher tier overnight.
Effective rate is total cost divided by total volume — every fee, not the headline percentage. The dominant opportunity is whichever line item accounts for the largest share of the difference.
| Segment | Rate today | Optimised | Dominant opportunity |
|---|---|---|---|
| SaaS | 2.61% | 2.14% | Debit downgraded to credit interchange on renewals |
| Marketplace | 2.88% | 2.39% | Per-order payouts multiplying fixed transfer fees |
| Ecommerce | 2.74% | 2.31% | Retry timing on soft declines and expired cards |
| Nonprofit | 2.42% | 1.96% | Charity interchange programmes never enrolled in |
| Platform | 2.55% | 2.18% | Cross-border assessments on domestic volume |
| Retail | 2.29% | 1.98% | Late batch settlement past the network cut-off |
Connect a processor read-only and Pyncht itemises twelve months of fees against what the same volume should have cost. No contract, no migration, nothing moves until you decide it should.