Savings analysis
identified

Where your payment money goes

Sample data Illustrative account. Every figure on this page is computed in your browser from a fixed demonstration dataset — no live merchant is shown.

Total annual savings identified

Pyncht identified

a year in fees you stop paying plus a year in revenue you stop losing

See the breakdown

Headline metrics

  • Volume processed

  • Processing cost

  • Effective rate

  • Authorization rate

Cost intelligence

Understand what you actually pay

Every charge carries three separate costs: what the issuing bank keeps, what the card networks assess, and what your processor adds on top. Two of those you can move — but only once you can see them apart.

Volume and true cost, month by month

  • Volume · left axis
  • True cost · right axis

Where the money actually goes

True processing cost for the current month, broken out by card type: share of volume, volume, interchange, scheme fees, per-charge costs, processor markup including cross-border and FX, and the resulting effective rate.
Card type Volume Interchange Scheme fees Per-charge Markup & cross-border Effective rate

Savings opportunities

Where the money is leaking, ranked by what it is worth

Computed from your last full month of processing — card mix, decline codes, and the fee schedule you are actually on.

Savings analysis requires JavaScript. The analysis engine did not load, so there are no figures to rank — reload the page, or ask us for the same breakdown as a PDF.

Total annual impact
Quick wins
Opportunities

  • Calculation

  • Calculation

  • Calculation

  • Calculation

  • Calculation

  • Calculation

  • Calculation

Enable an opportunity to build your plan

Annual impact selected

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How these figures are built

Revenue leaks

Revenue you are not collecting

Loading decline data…

Declines by reason code

  • Recoverable on retry
  • Gone
  1. Loading decline reasons…

If Pyncht retried these

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Open the retry plan

Disputes and chargebacks

Ask the numbers

Every answer shows its working

The assistant reads the same ledger this page is built from — the card mix, the decline codes, the twelve months of volume. It computes each figure when you ask, and prints the figures it used underneath the answer so you can check the arithmetic yourself. Figures throughout are the Northwind Supply sample ledger, not a live account.

Pyncht Assistant

Every figure is computed in this browser from the Northwind Supply sample ledger. Nothing leaves this machine. The first time you ask a question, Pyncht checks once for a model running locally on localhost:11434; if one answers, the figures are posted to it so it can rewrite the prose. The numbers stay the analysis engine’s — any figure the model prints that is not one of them, matched whole, is discarded along with its answer. That checks the figures, not the sentences around them, which is why the receipt under every answer is always the engine’s.