About margin/
Recovering hidden payment processing costs for European merchants
Our Mission
Payment processing costs are opaque and complex. Merchants lose 20–100 basis points (0.2–1%) of revenue to hidden fees: commercial card interchange, FX markups, refund losses, downgrades, and missed opportunities for zero-cost payment rails.
margin/ makes these costs visible and recoverable. We provide autonomous tools that detect payment processing leaks in real-time and optimize routing—without disrupting checkout or requiring payment licensing.
What We Do
margin/ is a suite of specialized payment optimization products:
margin/steer
Detects high-cost commercial cards and steers customers to lower-cost payment methods
margin/push
Promotes SEPA Instant and Open Banking rails to reduce processing costs
margin/fx
Identifies and mitigates excessive FX markups on cross-border payments
margin/back
Optimizes refund timing to minimize non-recoverable interchange fees
margin/down
Prevents interchange downgrades by fixing transaction metadata in real-time
Why We Exist
Payment Service Providers (PSPs) like Stripe and Adyen focus on simplicity and fast onboarding. At scale, this can mean less transparency and control for merchants. PSPs also have incentives to maintain fee structures—if they steer away from high-fee cards, it cuts their revenue.
margin/ is merchant-aligned. We only succeed when you save money. Our performance-based pricing (25% of recovered savings) means we're incentivized to maximize your savings, not our fees.
We're specialists in payment optimization, not generalists. This lets us build deep expertise in BIN detection, interchange rules, SEPA Instant infrastructure, and FX markets—expertise that general-purpose PSPs can't match.
Our Approach
Zero PCI Scope
We never touch card data or funds. No payment license required. We're advisory tools, not a payment processor.
Fail-Safe by Design
If our detection fails, your checkout continues normally. If our intervention fails, payment processes through your standard flow.
Compliance-First
All tools designed within PSD2 and Scheme rules. Compliant surcharging, mandatory SEPA Instant support, audit-ready logs.
Performance-Based
You only pay when we save you money. No upfront costs, no monthly fees unless we deliver measurable savings.
Our Values
Transparency
Every intervention is logged. Every savings calculation is auditable. No black boxes.
Merchant Alignment
We succeed when you save money. Our incentives are perfectly aligned with yours.
European Focus
Built for European merchants, PSD2 compliance, SEPA Instant infrastructure, GDPR-first.
Technical Excellence
99.99% uptime, 50ms latency, real-time detection, zero-downtime deployments.
Get Started
Ready to recover your hidden payment processing costs?