Contact Us

Operations · Costs Overview

Find the margin hiding in your payment costs

Every transaction carries interchange, network fees and processor markup. Costs Overview breaks the cost down line by line, compares processors on the same traffic, and proposes routing changes with the savings they are expected to produce.

Contact sales

Line by line

Сost attribution on every single transaction

Benchmarked

Processor performance compared on identical traffic

Actionable

Routing changes proposed with expected savings

-40 bps

Typical interchange reduction on eligible B2B card volume

Spot leakage, protect margin

Know what you pay. Then pay less.

Understanding cost is the first step. Costs Overview goes further and tells you which change would actually improve it.

Cost decomposition

Separate the cost you control from the cost you do not

Interchange is largely fixed. Scheme fees are semi-fixed. Processor markup and routing decisions are entirely yours. Costs Overview splits them apart so you stop negotiating the wrong line and start optimizing the one that moves.

  • Interchange, scheme fees, and markup broken out per transaction

  • Currency conversion and cross-border charges isolated

  • Effective rate calculated per processor, method, and segment

Reconciliation

Benchmarking

Compare processors on identical traffic

Headline rates tell you almost nothing. What matters is what each processor actually charges for the traffic you actually send. Worthy compares them on like-for-like transaction profiles, which is the only comparison that means anything at renewal.

  • Like-for-like comparison across card type, amount band, and geography

  • Approval rate shown alongside cost, so cheap declines are visible

  • Evidence you can take into a processor renegotiation

Observability

Recommendations

Turn cost analysis into cost reduction

Worthy surfaces the specific routing changes that would lower your blended cost, each with the reasoning and the expected impact attached. Review the logic, accept what makes sense, and the change publishes to your workflows.

  • Concrete routing changes, not generic advice

  • Expected saving quantified before you commit

  • One-click publish into your live routing workflows

WorkflowsWorthy AI Jarvis

Cost decomposition

Separate the cost you control from the cost you do not

Interchange is largely fixed. Scheme fees are semi-fixed. Processor markup and routing decisions are entirely yours. Costs Overview splits them apart so you stop negotiating the wrong line and start optimizing the one that moves.

  • Interchange, scheme fees, and markup broken out per transaction

  • Currency conversion and cross-border charges isolated

  • Effective rate calculated per processor, method, and segment

Reconciliation

Benchmarking

Compare processors on identical traffic

Headline rates tell you almost nothing. What matters is what each processor actually charges for the traffic you actually send. Worthy compares them on like-for-like transaction profiles, which is the only comparison that means anything at renewal.

  • Like-for-like comparison across card type, amount band, and geography

  • Approval rate shown alongside cost, so cheap declines are visible

  • Evidence you can take into a processor renegotiation

Observability

Recommendations

Turn cost analysis into cost reduction

Worthy surfaces the specific routing changes that would lower your blended cost, each with the reasoning and the expected impact attached. Review the logic, accept what makes sense, and the change publishes to your workflows.

  • Concrete routing changes, not generic advice

  • Expected saving quantified before you commit

  • One-click publish into your live routing workflows

WorkflowsWorthy AI Jarvis

Built for both sides

Useful to finance and payments alike

For payments teams

The lever you have been guessing at

Routing decisions have always traded approval against cost, usually on instinct. Costs Overview makes the tradeoff explicit so you can tune it deliberately rather than discovering the result a quarter later.

  • Cost and approval shown together per route

  • Test a routing change before committing volume

  • Continuous monitoring after the change ships

For finance

Payment cost you can actually forecast

Blended rates that move for unexplained reasons make forecasting guesswork. When every component is attributable, cost becomes a line you can model and defend in a budget review.

  • Cost per transaction type and business line

  • Month-over-month variance explained

  • Export into your planning and reporting stack

Capabilities

The detail behind every basis point

Cost analysis is only useful at the resolution where decisions actually get made.

Per-transaction attribution

Every transaction carries its full cost breakdown, so aggregate numbers can always be traced to their source.

Segment analysis

Slice cost by card brand, amount band, geography, business line, or processor to find where the leakage concentrates.

Routing simulation

Model what a routing change would have cost against historical traffic before you send live volume through it.

Cross-border visibility

Currency conversion and cross-border charges separated out, so international volume is not a black box.

Common questions

Costs, answered

Cost detail is derived from the settlement and fee reporting each connected processor publishes, normalized into one schema. Where a processor publishes less granular fee data, the breakdown reflects that limit rather than estimating around it.

Costs Overview surfaces charges that deviate from your expected pricing so you can investigate them, which is usually how billing errors get found. It highlights the discrepancy and gives you the evidence; the conversation with your processor is still yours to have.

Volume processed outside the platform appears wherever the settlement data is available, though with less enrichment than volume routed through Worthy. Most customers see the full picture once their main processors are connected.

Recommendations compare observed approval rates and costs across your connected processors for comparable transaction profiles, then estimate the impact of shifting eligible volume. The reasoning is shown alongside every recommendation so you can judge it rather than trust it.

Discover

Explore the Operations suite

Reconciliation

Match settlement to bank deposit to transaction across every processor in one workflow.

Explore

Workflows

Build routing logic, fallbacks, and experiments on a visual canvas without code.

Explore

Observability & Monitors

Real-time visibility across your stack, with always-on monitors that alert before customers notice.

Explore

OPERATIONS · COSTS OVERVIEW

Put a payments team protect your margin?

Bring a recent processor statement and we will walk through where your blended rate is actually going, and what a realistic reduction looks like on your traffic.

Contact sales