insimbi

Illustrative scenario · Fi + Vs

A retailer taking control of card costs

A US omnichannel retailer with stores and an online shop.

Illustrative scenario. A fictional type of business, not a customer. No results are claimed.

Fi Vs

Video, 36 seconds, illustrative. One person, one agent. One record of who checked, approved and paid. Captions are burned in and also available as a track. Step list for software (JSON) · Captions (WebVTT) · MP4

The problem

Card fees arrive as one blended number. Nobody can say what each payment cost, which debit network carried it, or what choosing another network would save.

Value anatomy

  1. 01 · transaction

    Each card payment runs through the retailer's own rules: by card type, channel and amount.

  2. 02 · rails

    Eligible debit goes to the debit network the retailer's rule chooses, compared against your current setup, payment by payment.

  3. 03 · record

    Every payment shows its network, the rule that chose it and its fee lines, so finance can model the next change before making it.

What it uses

Your rulesRules by card type, region, amount or time. Reviewable and reversible.
Debit network choiceSend eligible debit to the network your rules pick.
Parallel runCompared against your current setup, payment by payment.
Cost modellingPreview a rule or payout change before you make it.
Fee linesNetwork, scheme and insimbi fees, itemized per transaction.

Request access

insimbi is in early access with design partners.