Payments cost intelligence
Slash payment processing costs without hurting approvals.
This data app decomposes every transaction into interchange, processor, and scheme fees, then uses a routing optimizer with authorization guardrails to minimize expected cost.
Flags negotiation leverage by (processor × MCC) where volume is large and bps are above median.
Interchange & fee optimization studio
Auth model AUC (calibration status):
Projected savings (% and $):
With Auth AUC ≈ 0.434, the classifier underperforms a coin flip—add features (BIN ranges, issuer region, time‑of‑day/week, retry count, merchant cohort, device/geo risk) and calibrate probabilities (isotonic / Platt). Expect substantial lift once signal improves.
Cost breakdown by MCC (top 5)
Stacked bars of total interchange, processor, and scheme fees by MCC category (largest volumes first).
Revenue forecast & collections uplift
90‑Day cash collections forecast
The expected daily collections curve with an 80% confidence band.
Portfolio rebalancing & what‑if analysis
Sector weights: before vs after
Side‑by‑side sector weights comparing the current portfolio vs the post‑rebalance. Confirms the direction of trades toward benchmark exposures while honoring constraints.