TRANSFORMATION SERVICES
Cost Optimization
The cost associated with taking a payment is made up of many different layers, each with different interrelated components. While it may be easy to reference and track your merchant statement each month and think you have a handle on your costs, modern companies need to understand that this is just the tip of the iceberg. Cost optimization involves an examination of the entire current payments system, looking at everything from interchange and processor fees to equipment, providers, architecture, security, PCI compliance, payment methods, and much more.
W. Capra helps clients to establish a baseline and identify potential issues or areas of opportunity. Using this baseline, we compare the current solutions to alternatives and new technologies in the field to confirm that the best options have been employed. In today’s world, this comparison analysis is especially important as payment technology continues to change rapidly, which inherently affects the total cost of acceptance for your organization. As thought leaders in the commerce space, W. Capra works with industry leaders and innovators to optimize costs for a variety of merchants.
W. Capra supports organizations in making immediate and short-term adjustments to current payments system to reduce costs. These adjustments can include interchange optimization, least cost routing, contract renegotiation and more. From our years of experience as cost optimizers, we also help companies make informed choices for employing new strategies in the future, such as offering new payment methods or changing the payment system architecture to employ a gateway or multiple acquirers.
There are no one-size-fits-all answers to cost optimization, so W. Capra works to understand, breakdown, and analyze every payment system before making customized—and ultimately optimized—recommendations.
Latest Insights
- Prepping for the End of Year, Holidays, and 2025As each year ends, merchants are forced to deal with the scramble related to holiday season sales and offers which ideally, are executed flawlessly from consumer interaction at point of purchase all the way through backend systems and related cash flows, and an eagerness to hit the start of the next year and begin execution of strategic initiatives.
- Is Walmart’s real-time payments offer going to be a market mover?It was recently announced that Walmart will be working with Fiserv to implement real-time payments for their customers using Fiserv’s real-time payment transaction rails. Real-time payments aren’t a new concept but have had slow bank adoption and even slower merchant and consumer assumption. Will Walmart’s move prompt banks and merchants alike to move more quickly?
- Visa Sued for Monopolizing Debit MarketsThe US DOJ recently announced a lawsuit against Visa, alleging it has engaged in monopolizing the debit network markets, entering into unlawful agreements to restrain trade, and violating the Sherman Act. Here’s what merchants should know about it.
