Shift to zero-cost rails.

margin/push proactively promotes SEPA Instant and Open Banking rails. With SEPA Instant now fully mandatory across the Eurozone, 2026 marks an inflection point for margin recovery.

Near-zeroProcessing Fees
2025+Regulatory Mandate
Calculate Your Savings

See your potential recovery from SEPA Instant promotion

Calculate Your Potential Savings

Estimated Annual Savings
€236,250
Basis Points Recovered
23.6 bps
* Estimates shown reflect optimistic scenarios based on best-performing merchant profiles. Typical savings range from 60-80% of shown values. Actual results depend on merchant profile, processor setup, and market conditions. Contact us for a personalized assessment.

How margin/push Works

01

Payment Intent Analysis

Identify transactions eligible for SEPA Instant or Open Banking. Real-time assessment of payment method availability and user context.

02

Smart UI Intervention

Dynamic checkout optimization that highlights low-cost payment methods. Protect conversion while protecting margin through intelligent UX.

03

Automatic Rail Selection

Seamlessly route eligible payments to SEPA Instant or Open Banking providers. Full compliance with PSD2 and scheme rules.

Impact Analysis

Before vs. After margin/push

Payment Rail Cost Comparison

Card Processing Rate
+40.0%
Without margin/
1.5%
With margin/
0.9%
SEPA Instant Adoption
+600.0%
Without margin/
5%
With margin/
35%
Annual Cost on €100M Volume
+40.0%
Without margin/
€1,500,000
With margin/
€900,000
Settlement Time
Without margin/
2-3 days
With margin/
Instant
Integration

Promote SEPA Instant seamlessly

Integration Preview

Add margin/push to your checkout to automatically promote SEPA Instant and Open Banking when eligible.

<!-- Add to your checkout page -->
<script src="https://cdn.margin.io/push.js"></script>
<script>
  MarginPush.init({
    apiKey: 'your-api-key'
  });

  // Listen for SEPA Instant eligibility
  document.addEventListener('margin:sepa-eligible', (e) => {
    const { methods, savings } = e.detail;
    // Your custom UI logic
    showSEPAInstantOption(methods, savings);
  });
</script>
One snippet. Fail-safe by design. Integration takes hours, not sprints.

SEPA Instant is mandatory.
Now make it profitable.

Regulatory Tailwind

SEPA Instant is now fully mandatory across the Eurozone. Early users see explosive 2026+ upside as adoption accelerates.

Conversion Protection

Smart promotion logic that maintains checkout conversion while shifting volume to near-zero-cost rails. No friction, maximum savings.

Instant Settlement

SEPA Instant provides instant settlement vs. 2-3 days for cards. Improve cash flow while reducing processing costs by 40%+.

Common Questions About margin/push

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