1.53%
1.50%
−87.09%
−84.26%
2.16%
0.09%
−$461,403.13
$918,395.09
$452,231.63
mid-01
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mid-02
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| FEE NAME | Amount |
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| BUSINESS NAME | DISPUTE VOLUME | DISPUTE COUNT | GPV | FEES | DISPUTE RATE |
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| BUSINESS NAME | REFUND VOLUME | REFUND COUNT | GPV | REFUND RATE |
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| FEE NAME | Amount |
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| BUSINESS NAME | DISPUTE VOLUME | DISPUTE COUNT | GPV | FEES | DISPUTE RATE |
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| BUSINESS NAME | REFUND VOLUME | REFUND COUNT | GPV | REFUND RATE |
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| FEE NAME | Amount |
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| BUSINESS NAME | DISPUTE VOLUME | DISPUTE COUNT | GPV | FEES | DISPUTE RATE |
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| BUSINESS NAME | REFUND VOLUME | REFUND COUNT | GPV | REFUND RATE |
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mid-01 … mid-2000), positioned by annualized GPV (same volume scale as the dashboard) and payment margin. Teal = positive margin; red = negative margin (about 3% of merchants, in line with the dashboard negative-margin cohort). The dashed line is the average margin across merchants in the current GPV band. Use ⌘ or Ctrl+click on two points to open the dashboard with side-by-side KPIs and a dual GPV chart. Filter by GPV and press Generate to refresh.
Values match the Dashboard filter bar (same option keys). Payment type, card brand, funding, and merchant are unchanged here—set those on the Dashboard if needed.
| BUSINESS NAME | GPV | CONVERTED GPV | EARNINGS | CONVERTED EARNINGS | EFFECTIVE RATE | MARGIN |
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| BUSINESS NAME | ONBOARDING DATE | AMOUNT |
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| BUSINESS NAME | PAST AMOUNT | LOSS | YOY % VARIANCE |
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Cohort Analysis
| Segment | Criteria | Transaction volume | Customers | Number of transactions | Effective rate |
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Analyze and compare performance across payment contracts
| Fee Type | Prior Contract | New Contract | Savings |
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Monthly items revenue rate by plan and year
Merchant × plan × month cells flagged vs peer plans in the same month and vs the merchant’s own history for that plan.
| Merchant | Plan | Month | Rate | Peer median | Peer z | MoM | Signals | Impact |
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$161,548 / year in identified savings across 6 findings.
Fix: Pass Level 3 line-item data on every PaymentIntent via Stripe's payment_line_items API. One dev pass covers all 4 sub-levers.
API integrationFix: Add card fingerprint deduplication before every $0 authorization. Skip re-verification if same card was verified within 30 days.
API + config changeFix: Monitor tokenization coverage in Stripe Dashboard. Expand to guest checkout and card-on-file flows not yet using network tokens.
MonitoringFix: Set request_three_d_secure = 'automatic' on Stripe PaymentIntents, or add a Radar rule for all Discover transactions.
Config changeFix: Audit AVS/CVV2 pass through across all payment flows. Open Stripe support ticket with flagged payment IDs to get BASE II failure codes.
Code auditFix: Read Stripe decline_code on every failed payment. Stop retrying on final decline set. Route MAC 01 declines to card updater.
Code reviewCommercial card transactions are being processed at standard Card Not Present interchange because Level 2 or Level 3 line-item data is not submitted at settlement. Without enriched data, Visa qualifies many of these at Product 1 rates (for example ~2.70% CNP) instead of Product 3 / data-qualified rates (for example ~1.75% with Level 3 on Corporate/Purchasing). Mastercard shows a similar gap when moving from standard CNP to Enhanced Data Program tiers.
Pass Level 3 line-item data on every PaymentIntent via Stripe's payment_line_items API. One dev pass covers all 4 sub-levers.
Affected plans: 4 • Total GPV (sum on rows): $25,583,526
| Interchange Plan | Classification | Merchant GPV (sum) | Current Rate | Target Rate | Saving/yr |
|---|---|---|---|---|---|
| Business Card Tiers 1–5 | Visa CEDP | $13.1M | 265–300 bps | 240–275 bps | $26,272 |
| Corporate/Purchasing CNP | MC Lv2→Lv3 | $4.6M | 270 bps | 175 bps | $41,271 |
Step-by-step implementation guidance
Implementation
On each PaymentIntent, include a level3 object with merchant reference, shipping fields, and a line_items array. Stripe maps this to Visa CEDP and Mastercard Enhanced Data.
The company runs about 1.53M account verification events per year with a verification-to-charge ratio near 8%. A large share of cost comes from Visa domestic account verification (credit and debit per-event fees) and international verification pricing. Deduplicating fingerprints before $0 authorizations removes repeat verification of the same card within a short window.
Add card fingerprint deduplication before every $0 authorization. Skip re-verification if the same card was verified within 30 days.
Affected plans: 5 — Scope: per-event verification fees (no card GPV)
| Interchange Plan | Classification | Merchant GPV (sum) | Current Rate | Target Rate | Saving/yr |
|---|---|---|---|---|---|
| Domestic Credit Account Verification | Visa Verification | $0 | 3.50¢ / event | 50% reduction | $15,733 |
| Domestic Debit Account Verification | Visa Verification | $0 | 6.00¢ / event | 50% reduction | $7,937 |
| International Verifications | Visa Verification | $0 | 7.00¢ / event | 50% reduction | $3,593 |
| Address Verification Service (AVS) | AVS | $0 | 0.50¢ / event | retained | $3 |
| Account Verification Service (MC/Disc) | MC/Disc Verification | $0 | 2.00¢ / event | retained | $0 |
Step-by-step implementation guidance
Implementation
Use SetupIntent or Customer flows to capture fingerprints; before issuing a $0 auth for verification, check whether the same PaymentMethod was verified recently.
Visa's Card Not Present Incentive (Type 2) rewards network-tokenized CNP volume with roughly 10 bps lower interchange versus non-tokenized eligible transactions. About $21.8M in GPV qualifies for the incentive but is still clearing without network tokens, leaving a 10 bps gap on that volume.
Tokenization coverage should be monitored at the MID and flow level (guest vs returning). Network token fees (on the order of ~2 bps) are already reflected in processor cost lines where applicable.
The headline savings estimate nets expected token costs against interchange reduction where both apply.
Monitor tokenization coverage in Stripe Dashboard. Expand to guest checkout and card-on-file flows not yet using network tokens.
Affected plans: 14 • Total GPV (sum on rows): $21,800,170
| Interchange Plan | Classification | Merchant GPV (sum) | Current Rate | Target Rate | Saving/yr |
|---|---|---|---|---|---|
| Signature Preferred - Product 1 | Premium Credit | $5.8M | 284 bps | 274 bps | $5,800 |
| Visa Infinite - Product 1 | Premium Credit | $3.2M | 293 bps | 283 bps | $3,200 |
| Visa Signature - Product 1 | Premium Credit | $2.9M | 272 bps | 262 bps | $2,900 |
| CPS Services | Standard Credit | $3.1M | 232 bps | 222 bps | $3,100 |
| Visa Traditional - Product 1 | Standard Credit | $1.8M | 180 bps | 170 bps | $1,800 |
| Other eligible plans (9 plans) | Mixed | $5.0M | varies | −10 bps | $5,000 |
Step-by-step implementation guidance
Implementation
Enable network tokens on Stripe PaymentMethods used in CNP flows; prioritize guest and saved-card paths that still send raw PAN.
Discover offers a Secure E-Commerce interchange path for transactions authenticated with 3D Secure. Company Discover volume across Rewards, Core, Premium, and Premium Plus is clearing at standard PSL Card Not Present rates without 3DS. Enabling 3DS moves those sales into Secure E-Commerce pricing. Across $14.3M in Discover GPV, that sums to about $17,747 per year.
Set request_three_d_secure = 'automatic' on Stripe PaymentIntents, or add a Radar rule for all Discover transactions.
Affected plans: 4 • Total GPV (sum on rows): $14,334,595
| Interchange Plan | Classification | Merchant GPV (sum) | Current Rate | Target Rate | Saving/yr |
|---|---|---|---|---|---|
| Rewards (PSL → Secure E-Commerce) | Discover 3DS | $7.9M | 203 bps + $0.10 | 190 bps + $0.10 | $10,271 |
| Core (PSL → Secure E-Commerce) | Discover 3DS | $2.0M | 191 bps + $0.10 | 180 bps + $0.10 | $2,183 |
| Premium (PSL → Secure E-Commerce) | Discover 3DS | $4.3M | 205 bps + $0.10 | 195 bps + $0.10 | $4,284 |
| Premium Plus (PSL → Secure E-Commerce) | Discover 3DS | $0.1M | 250 bps + $0.10 | 235 bps + $0.10 | $1,183 |
Step-by-step implementation guidance
Implementation
Enable 3D Secure for Discover via Stripe—typically a configuration or Radar rule change. Test in Stripe test mode with Discover test cards before production.
Visa assesses a $0.10 Transaction Integrity Fee on transactions that fail BASE II data quality checks. In the analysis period, about 133.7k events drove roughly $13.4k in TIF-style penalties. Common drivers include missing AVS/CVV2 signals, mismatched MCC, or capture inconsistencies versus authorization.
Audit AVS/CVV2 pass-through across all payment flows. Open a Stripe support ticket with flagged payment IDs to obtain BASE II failure codes.
Affected plans: 3 — Scope: per-event TIF / penalty fees (no card GPV)
| Interchange Plan | Classification | Merchant GPV (sum) | Current Rate | Target Rate | Saving/yr |
|---|---|---|---|---|---|
| Transaction Integrity Fee - Credit BASE II | Visa TIF | $0 | $0.10 / event | 95% elimination | $7,422 |
| Transaction Integrity Fee - Debit/Prepaid BASE II | Visa TIF | $0 | $0.10 / event | 95% elimination | $2,417 |
| Program Integrity Fee | Visa TIF | $0 | $0.10 / event | 95% elimination | $857 |
Step-by-step implementation guidance
Implementation
Pull settlement and fee reports from Stripe; join to authorization payloads to verify AVS/CVV response codes and MCC alignment.
Networks charge additional fees when merchants retry authorizations after final decline codes (for example Visa reason code 05, Mastercard MAC-03). Per-retry fees are avoidable if retries stop after final-decline sets.
Read Stripe decline_code on every failed payment and stop retrying when the network marks the decline as final. Route MAC 01 (new card info) flows to account updater instead of blind retries.
Affected plans: 5 — Scope: per-event decline / retry penalties (no card GPV)
| Interchange Plan | Classification | Merchant GPV (sum) | Current Rate | Target Rate | Saving/yr |
|---|---|---|---|---|---|
| Issuer Will Never Approve - Domestic | Visa Retry Penalty | $0 | ~$0.09 / retry | 90% elimination | $2,334 |
| Issuer Will Never Approve - International | Visa Retry Penalty | $0 | ~$0.11 / retry | 90% elimination | $17 |
| Mastercard MAC-03 (Do Not Retry) | MC Retry Penalty | $0 | $0.02 / retry | 90% elimination | $774 |
| Mastercard MAC-01 (New Card Info Available) | MC Retry Penalty | $0 | $0.02 / retry | 90% elimination | $677 |
| Excessive Authorization | Visa Penalty | $0 | $0.50 / event | 100% elimination | $23 |
| Canada equivalents (MAC-01, MAC-03, 3004A) | CA Retry Penalties | $0 | various | 90% elimination | $43 |
Step-by-step implementation guidance
Implementation
Audit checkout retry jobs and dunning flows: ensure final declines do not trigger automated re-attempt loops.