Our Payment Landscape Assessment reviews how your organization collects debit and credit cards, ACH, wires and digital wallet payments, and what it pays at every step. You get a clear picture of your cost of collection and a prioritized plan to bring it down.
14 optimization areasFrom processing model to interchange
Card, ACH, wires and digital walletEvery way your organization collects
Built around SAPCollection and reconciliation in your version of SAP
Findings in weeksA written report with a prioritized plan
The problem
Your payments cost more than the rate on the statement.
What gets budgetedThe processing rate
What comes with it
1
Interchange and network fees
Set by card networks and issuers, and different for every card type and channel.
2
Gateway and merchant fees
Per-transaction, monthly, and statement charges spread across several providers.
3
Chargebacks
Disputes, lost revenue, and the fees and staff time that come with each one.
4
Manual reconciliation
Finance hours spent matching payments from every channel to SAP.
The problem
Every channel adds fees. Every fee lands in SAP.
Online, phone, and recurring payments each bring their own costs, and finance has to reconcile all of them.
How you collect
Online · phone · recurring
Web checkout
Mobile payments
Call center
Recurring billing
Your cost of collection
What it costs
Fees · disputes · reconciliation
Interchange and network
Gateway and merchant fees
Chargebacks
Manual reconciliation
01Fees you can't seeSplit across several provider statements
02Disputes that add upChargebacks cost more than the sale
03Matching by handEvery channel reconciled to SAP line by line
What we review
Fourteen areas that set your cost of collection.
Grouped into four questions about how you collect. Every area is reviewed against your volumes, your providers, and your contracts.
Select a group to see the areas we review
01Process
How you process
How payments are priced, routed, and taken today, and whether that still fits your volume.
Pricing model
Processing model: interchange-plus, tiered, or blended pricing, and which suits your mix of payments.
Vendors
Vendor selection: the processors, gateways, and acquirers you use, and whether fewer would cost less.
Channels
Deployment model: how payments are taken across web, mobile, call center, and in person, and what each route costs.
Scale
Scale: how your volumes and growth plans change the pricing you can negotiate.
→4 of 14 areas. A processing setup sized for how you collect today.
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Pricing modelVendorsChannelsScale
Pricing · vendors · channels · scale
02Classify
How you are classified
How card networks see your business, which decides the rates you are offered.
Account type
Merchant account type: whether your accounts match how you sell, such as card-present, card-not-present, or business to business.
MCC
Merchant category code: the code that tells card networks what you do. The wrong one can raise the rate on every transaction.
→2 of 14 areas. The right classification, and the rates that come with it.
Account type
MCC
Account type · MCC
03Pay
What you pay
Every fee behind every payment, side by side across your providers.
Interchange
Interchange optimization: sending the transaction data that qualifies payments for lower interchange, such as Level 2 and Level 3 data on business cards.
Gateway
Gateway fees: per-transaction and monthly gateway charges, compared across providers.
Merchant fees
Merchant fees: statement, compliance, and service fees that add up outside the headline rate.
ACH
ACH processing: where moving payments from card to ACH lowers the cost, such as recurring or high-value payments.
→4 of 14 areas. A lower fee on every payment you collect.
InterchangeGatewayMerchant feesACH
Interchange · gateway · merchant · ACH
04Recover
What you recover
The money and time lost after a payment is taken, and how to get it back.
Reconcile
Reconciliation efficiency: how much time finance spends matching payments to SAP, and what automation would save.
Chargebacks
Chargeback reduction: why disputes happen, and how to prevent more of them and win the rest.
Recurring
Recurring payment optimization: retry timing and scheduling that collect more recurring payments the first time.
Card updater
Card updater: automatic updates for expired or replaced cards, so recurring payments keep going through.
→4 of 14 areas. Fewer failed payments, fewer disputes, and less manual work.
Primary
Recovery
ReconcileChargebacksRecurringCard updater
Reconcile · dispute · retry · update
What you receive
A report your CFO can act on.
A payment ecosystem review
How you collect today, by channel, provider, and payment type.
A fee breakdown
Interchange, network, gateway, and merchant fees, side by side.
An optimization plan
Opportunities across all 14 areas, ranked by savings and effort.
A total cost of ownership view
What collection costs now, and what it could cost with the changes in place.
A roadmap to ERP Pay
Where reconciliation, vendor verification, and fraud screening in SAP would add value.
Benefits
What you gain.
A lower cost of collectionFewer fees on every payment, from interchange to gateway.
Fewer fraud opportunitiesGaps in how you collect and pay are found and closed.
Back-office capacityLess time spent reconciling.
Pricing that fits your volumeWholesale pricing and payment models of your choice, designed to scale.
A clear next stepA plan your CFO and your IT team can both sign off on.
How it works
Four steps to a clear plan.
We agree what is in scope.
A short call with your finance and IT leads on goals, providers, channels, and the data we need.
We gather how you collect today.
Processor statements, contracts, and volumes by channel, with read-only access where it helps.
We review all 14 areas.
Our payments and AWS specialists model your cost of collection, today and with the changes in place.
You get a plan you can act on.
A written report and a working session on the savings, the effort, and the order to act in.Findings in weeks
A review of how your organization collects payments and what it pays to do so. We look at 14 areas, from your processing model and merchant category code to interchange, gateway fees, chargebacks, and reconciliation, and give you a prioritized plan to lower the cost of collection.
Who is it for?
Finance and treasury leaders, controllers, and IT teams at organizations that collect card, ACH, or digital wallet payments and run SAP. It is the first step for any organization considering ERP Payment Reconciliation.
How long does it take?
Most assessments deliver findings within weeks of receiving the data. The timeline depends on how many providers, merchant accounts, and channels are in scope.
Do we have to use ERP Pay afterward?
No. The report stands on its own, and many of the savings come from changes to contracts, classification, and processing that you can make with your current providers.
Next step
Request your Payment Landscape Assessment.
A full view of what you pay to collect, by provider and channel
Savings ranked across 14 optimization areas
A clear plan for reconciliation and fraud controls in SAP
We typically respond within one business day, or email aws@epiuse.com.
