Recover your
hidden margin.
margin/ is a suite of specialized, autonomous tools designed to protect and recover payment processing margins for online merchants. Typically recovering 20–100 basis points (0.2–1%) of blended processing costs.
Five specialized tools.
One unified system.
margin/steer
Commercial card steering
Save up to 80% on commercial card processing fees by intelligently routing high-cost cards to low-cost payment rails.
margin/push
SEPA Instant promotion
Shift volume to near-zero-cost instant payment rails and reduce processing costs by 40%+ while improving cash flow.
margin/down
Downgrade prevention system
Prevent interchange downgrades that cost 0.5-1% per transaction by ensuring optimal transaction metadata and timing.
margin/back
Refund fee recovery
Minimize non-recovered interchange on refunds and recover up to 70% of refund processing costs through intelligent timing.
margin/fx
FX markup detection
Detect and mitigate hidden FX markups on cross-border transactions, reducing currency conversion costs by up to 50%.
See your potential recovery
Enter your annual card volume to see estimated savings across the margin/ suite
Calculate Your Potential Savings
You think you're paying 1.5% processing.
You're actually paying 2.1%.
This discrepancy exists because your quoted rate only reflects consumer card processing—but your actual volume includes commercial cards, refunds, FX markups, and other hidden costs that aren't included in your base rate.
Hidden costs from commercial cards, refund fees, FX markups, downgrades, and missed SEPA Instant opportunities add up to 60+ basis points you never see.
Cost Breakdown: Before vs. After margin/
Five tools.
One margin.
Commercial Card Steering
Intelligent steering away from high-cost commercial/corporate cards. Detect and route to low-cost rails.
margin/pushSEPA Instant Promotion
Proactive promotion of SEPA Instant and Open Banking rails. Shift volume to near-zero-cost payment methods.
margin/downDowngrade Prevention
Prevention of interchange downgrades due to metadata or timing gaps. Real-time intervention.
margin/backRefund Fee Recovery
Minimization of non-recovered interchange on refunds. Policy-aware timing optimization.
margin/fxFX Markup Detection
Detection and mitigation of hidden FX markups and DCC on cross-border flows. Smart rerouting.
Unified System
Each tool operates independently but compounds value when used together. One dashboard, one integration.
Real-time Analysis
JavaScript snippet or API webhook. Client-side detection where possible (zero PCI scope). Real-time, merchant-configurable rules.
Autonomous Action
Autonomous intervention (steering, rerouting, alerts, timing adjustments). No funds are touched. No payment license required.
Unified Dashboard
Unified dashboard for insights, savings proof, and controls. Transform processing from an opaque cost center into a protected, measurable margin line.
Proven Impact Across European Merchants
The delta between
processing and
profit.
Lightweight Integration
One snippet. Fail-safe by design. If the network logic falters, your checkout remains untouched. Integration takes hours, not sprints.
European Focus
Built for European merchants processing €5M+ in annual card volume. Designed within PSD2 and Scheme rules. SEPA Instant ready.
Proven Impact
Early users see ROI in weeks. Full-suite deployments compound savings across the entire payment funnel.
Security & Compliance
Bank-grade security. Zero PCI scope. PSD2 compliant. GDPR ready. We never touch funds—no payment license required.