Recover your
hidden margin.
Automated card-type intelligence for the European mid-market. We detect high-interchange commercial BINs at source and steer liquidity to low-cost rails.
See your potential recovery from commercial card steering
Calculate Your Potential Savings
How margin/steer Works
Real-time BIN Analysis
Our 50ms edge-engine identifies Commercial, Corporate, and Business cards the moment digits are entered. Zero friction, zero latency.
Intelligent Steering
Dynamic UI intervention nudges business users toward SEPA Instant and Open Banking. Protect conversion while protecting margin.
Compliance & Logging
Designed within PSD2 and Scheme rules. Safe surcharging logic and audit-ready logs for every interaction.
01 / The Economic Reality
Interchange caps only
protect the consumer.
Under Regulation (EU) 2015/751, interchange fees for consumer cards are capped at 0.2%–0.3%. However, Commercial, Corporate, and Business cards are explicitly exempt.
02 / The Technical Layer
BIN intelligence at
the edge.
Our edge-engine performs real-time BIN (Bank Identification Number) analysis. The first 8 digits of a card number reveal issuer, card type, and interchange tier—before authorization.
Zero PCI Scope
We utilize only the first 8 digits (BIN) to identify card type, never storing or transmitting sensitive data.
Compliant Steering
Our steering messages are neutral and factual. We never coerce or mislead—only inform and optimize within PSD2 boundaries.
Audit Trail
Every steering event is logged with anonymized metadata. Full compliance with GDPR and financial regulations.
How much are others saving?
Anonymized performance data from the margin/ network. See typical savings by industry.
Sector: B2B SaaS
High corporate card usage in enterprise software allows for aggressive steering towards SEPA Instant and Open Banking.
Sector: Luxury Travel
Cross-border commercial cards represent the highest "leakage" point. Routing these to local rails captures immediate profit.
Sector: E-commerce
Lower commercial penetration, but high volume makes optimization critical. Refund fee recovery (margin/back) shows strongest ROI.
Before vs. After margin/steer
Commercial Card Cost Comparison
One snippet. Hours, not sprints.
Integration Preview
Add margin/steer to your checkout with a single JavaScript snippet. The snippet detects commercial cards in real-time and emits events—you control the UI. Fail-safe by design.
<!-- Simple: Snippet with event listeners -->
<script src="https://cdn.margin.io/steer.js"></script>
<script>
MarginSteer.init({
apiKey: 'your-api-key'
});
// Listen for commercial card detection
document.addEventListener('margin:commercial-card', (e) => {
const { bin, recommendation } = e.detail;
// Your custom UI logic
showSEPAInstantOption(recommendation);
});
</script>The delta between
processing and
profit.
Interchange Deflection
Commercial cards are exempt from EU interchange caps. We prevent the 1.05% 'corporate tax' from eroding your EBITDA.
Implementation Risk
One snippet. Fail-safe by design. If the network logic falters, your checkout remains untouched. Integration takes hours, not sprints.
Conversion Protection
Smart UI interventions that actually improve conversion by offering faster, cheaper payment methods. We've seen conversion rates improve in many deployments.