Stop paying the downgrade tax.
Detect transactions that failed to qualify for the best interchange rate, and see exactly why: 3DS, data quality, MCC, region or timeliness.
Qualification rate
78.2%
-1.4 pts
Downgraded txns
184,320
21.8%
Opportunity
AED 312K
per quarter
Downgrade waterfall (index)
Opportunity by merchant (AED K)
01
Root causes
Every downgrade attributed to a fixable reason.
02
Prioritised fixes
Opportunity ranked by value per merchant and reason.
03
Measured results
Track qualification rates improving after each fix.
Features
What's inside.
Downgrade detection
Compares expected and actual interchange per transaction.
Reason codes
3DS, AVS, Level 2/3 data, MCC mismatch, late clearing.
Merchant ranking
Opportunity value by merchant, terminal and channel.
Waterfall view
From ideal interchange to actual, step by step.
Rule library
Maintained programme rules for supported regions.
Fix tracking
Before-and-after measurement for every remediation.
How it works
Four steps to value.
- 1Connect clearing files
- 2Reprice against programme rules
- 3Rank downgrade reasons
- 4Fix and measure
Example insight
Late presentment on e-commerce batch
Gulf Fresh Markets clears 2+ days late on 14% of online volume, losing standard rate.
AED 41,200 / quarter
Illustrative sample finding
FAQ
Questions, answered.
See every basis point.
A 30-minute walkthrough on your own fee structure. No slides.