PIN-Less Debit

•Adds cost to raw debit network pricing and when middleman products/services are utilized

•Usually heavy-lifting integration

•Doesn’t work on cards issued by some banks and may require processor-of-record change

•Usually you pay per-transaction cost whether it reduces your cost or not, especially on Durbin-exempt transactions

 

Least-Cost-Routing for PIN-Debit Transactions

•Added processor cost ?

•Not a solution for CNP transactions without PIN-Less debit in place

•Who benefits most from the selected LCR algorithm?

•At best, modest cost reduction

 

Merchant Processing RFP

•Lengthy process & may result in processor and/or banking relation changes

•Modest cost reduction as you are attacking only a small percentage (11% + - ) of your total costs

 

Interchange Optimization

•Attacks largest cost component: Interchange

•Usually focuses on process improvement like CVV, AVS, CPS, auth & settlement messaging

•Better opportunity for cost reduction than those above

•Usually set costs whether it reduces costs or not

•Defensive strategy with modest-to-medium opportunity for cost reduction

 

Dynamic Interchange Management©

•Attacks largest cost component: Interchange

•Absolute management of settlement interchange category qualification resulting in dramatically
reduced costs

•Elimination of transaction downgrades which are the root cause of higher interchange costs

•Easy to monitor results and cost reduction

•Results guaranteed in writing: If we don’t reduce your cost of card acceptance, you owe us nothing!

•No up-front costs and no cost until cost reduction occurs and savings are in your bank account

•Fees based only on a percentage of new-found savings

•Offensive strategy with highest opportunity for cost reduction

•Available only through Payments Advisory Services

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