Your interchange costs
don't match the rate
you quoted.
BIN Optimizer reads cost at the BIN level and routes every transaction through its cheapest viable channel. The margin you were losing to blended pricing comes back.
The cost problem acquirers face
Merchants are priced on a blend. Schemes charge on a BIN. Every transaction where those two disagree is margin you either earn or hand back — and today almost nobody sees the difference in time to act on it.
Blended rates hide the cost structure
A single merchant rate averages away the expensive BINs. Portfolio margin looks healthy while individual segments quietly run at or below cost.
IC++ varies wildly by BIN
Two cards presented at the same terminal can differ 2–3x in true cost depending on issuer, product tier and region. The difference never reaches the pricing model.
Manual routing doesn't scale
Spreadsheet-maintained routing tables go stale the moment a scheme publishes new rates. Errors surface a quarter later, in reconciliation.
Reporting arrives too late to matter
Monthly cost reports explain what already happened. By the time the variance is visible, the volume it applied to has settled.
Four steps, one decision loop
The platform sits beside your switch. It reads what a transaction actually costs, picks the channel, and feeds the outcome back into the next decision.
Ingest BIN data
Scheme tables, issuer files and your own settlement history land in one normalized BIN record, refreshed as rates publish.
Analyze cost tiers
Each BIN is scored against every channel available to it, including interchange, scheme fees and downgrade risk.
Route intelligently
A routing decision returns in under 40ms with the least-cost viable channel, respecting approval-rate and compliance guardrails.
Report & optimize
Realized versus modelled cost is reconciled per BIN daily, and the variance retrains the next routing decision.
Built for the way acquirers actually operate
Immediate cost recovery
Savings land in the first settlement cycle after go-live. No repricing conversation with merchants required.
BIN-level precision
Decisions are made on the six-digit BIN and card product, not on a portfolio average that hides the outliers.
Transparent reporting
Every routed transaction carries its cost rationale, so finance can reconcile the saving line by line.
Integration in weeks
One REST call in the auth path, or a nightly batch if you would rather start in shadow mode against live traffic.
Real-time optimization
Rate changes, issuer behaviour and approval outcomes update the routing model continuously, not quarterly.
Compliance built in
Scheme rules, regional debit mandates and merchant-choice requirements are enforced before any route is selected.
See your savings in 2 minutes
Send a work email and we will run your top 500 BINs against current scheme rates. You get the variance report and a routing model, no integration needed.