STRATEGY SERVICES
Payment Assessments & Benchmarking
Payment systems are complex and dynamic. Between new regulations enacted by card brands, rapid innovation within the payments industry, and shifts in the relationships that merchants have with their providers, what was once considered a best practice may be considered incorrect or antiquated just a short time later.
With this constant change and seemingly endless new options, it can quickly become difficult for merchants to understand how their payment system is truly performing and where gaps may exist. This key evaluation can be started through assessment and benchmarking.
The assessment and benchmarking process begins with collecting detailed information across functional groups through questionnaires, interviews, reports, raw data, and documenting current state process flows. With an understanding of the current state, assessment can be performed on the payments system at both a micro and macro level. Benchmarking allows a company to look at their current performance and compare it to past performances in order to confirm that any change is in a positive direction. W. Capra can also provide critical knowledge on current best practices and how competitors within the merchant’s industry perform, setting goals against future benchmarks to be formed. The details and knowledge that come out of assessment and benchmarking can assist companies in creating new guiding principles for the future.
While anyone can benefit from assessment and benchmarking exercises, this can be especially important for companies to undertake prior to issuing an RFP, signing new or renewal provider contracts, revising payments infrastructure, or preparing a payments roadmap.

Latest Insights
- First-Party Data Monetization in Convenience and EnergyMany convenience and energy retailers are sitting on a valuable asset that they have not yet fully monetized: first party data. This data, collected from consumer interactions and transactions, can unveil valuable insights into consumer behavior and preferences.
- What does the Kroger-Albertsons merger have to do with a Retail Media Network and why does this matter for retailers?Kroger has been able to tie 96% of their customer transactions to their loyalty rewards card. This scale of addressable consumer data is extremely valuable to marketers of consumer-packaged goods as it can be used to target specific consumers with the right messages about brands or products that are already tied to their personally identifiable information.
- Should my business leverage Managed Service Providers?Managed service providers can provide third party expertise to help your business grow at the pace you wish to grow, without the cost and risk of hiring employees at the exact time you need them.