Stop silent downgrade fees.
margin/down detects when missing metadata causes card payments to downgrade—and silently cost you more. We find it, flag it, and fix it.
See your potential recovery from downgrade prevention
Calculate Your Potential Savings
How margin/down Works
Interchange Misfires
We scan for capture errors, missing AVS, bad MCCs, and Level 2/3 eligibility gaps that downgrade card transactions to unqualified tiers.
Inline API Safeguards
Deploy real-time checks in your PSP or payment gateway. Stop costly transactions before they settle at a downgraded rate.
Autofix Logic
Push corrected metadata before authorization. Guide engineers or ops with prebuilt fix maps for each processor.
Before vs. After margin/down
Interchange Downgrade Prevention
Prevent downgrades in real-time
Integration Preview
Add margin/down to your payment processing flow to detect and prevent interchange downgrades before they cost you money.
// Webhook integration
POST https://api.margin.io/webhooks/downgrade-check
{
"transaction_id": "txn_123",
"amount": 10000,
"currency": "EUR",
"processor": "stripe",
"metadata": {
"avs_result": null,
"cvv_result": "pass",
"mcc": "5734"
}
}
// margin/down responds with metadata fixes
{
"downgrade_risk": "high",
"missing_fields": ["avs_result", "level2_data"],
"recommended_fixes": {
"avs_result": "Y",
"level2_data": {
"tax_amount": 0,
"customer_reference": "CUST-123"
}
}
}Downgrades are silent.
We make them actionable.
Realtime Intervention
Configure downgrade blocks or fixes via SDK. Respond before cost hits the ledger, not after.
Dynamic Feedback Loop
Every downgrade fix trains smarter defaults. Over time, you eliminate repeat errors across org and PSP.
Processor-Specific Logic
Each processor has different Level 2/3 requirements. margin/down knows them all and applies the right fixes automatically.