Lower your effective rate with real interchange optimization
We map your flows to qualify more transactions at better interchange: enable Level 2/3 data, tighten AVS for card‑not‑present, and eliminate common downgrade triggers.
✅ L2/L3 on corporate & purchase cards
✅ AVS, descriptor & settlement hygiene
✅ Transparent analytics & reporting
Qualification checklist (what we configure)
Level 2 essentials (B2B)
- Tax amount
- Invoice / PO number
- Customer code
- Merchant ZIP / Destination ZIP
CNP hygiene & anti‑downgrade
- AVS + CVV prompts on web / keyed transactions
- Settle within recommended time windows
- Clear, consistent descriptors
- Refunds/voids handled correctly (no partial mismatches)
- Inventory / tax configuration matches receipts
Level 3 essentials (Purchase/Corporate)
- Line‑item details (SKU, qty, unit price)
- Freight / duty / discount fields
- Ship‑from & ship‑to address
- Item commodity / product codes (when available)
Why interchange optimization matters
Lower effective rate
Qualify more transactions for better interchange and reduce downgrades.
Cleaner month‑end
Receipts, batches, and descriptors line up—fewer reconciliation headaches.
Stronger CX
Clear prompts and disclosures reduce confusion and disputes.
B2B readiness
Level 2/3 data on corporate cards for meaningful savings.
CNP hygiene
AVS, CVV, and settlement timing to avoid common downgrades.
Actionable analytics
See pass‑through, fees, and savings by department/location.
Trusted by business across the world
Common downgrade causes we target
Missing AVS/CVV (CNP)
Key address and security fields to meet qualification—and block obvious fraud.
Late settlement
Batch on time so auths don’t expire and fees don’t jump.
Descriptor & data mismatch
Align descriptors and line items so issuing banks can validate the charge.
Tax/ship data absent
Provide tax and shipment details for B2B and L2/L3 routing.
Forced/voice auth flow
Avoid unless required; document and settle correctly when used.
Partial refunds / tip edits
Use proper adjustment workflows to avoid reclassifications.
“L2/L3 plus AVS cleanup dropped our effective rate by nearly a full point.”
“The downgrade report finally explained where the fees were coming from.”
— Controller, multi‑site retail
“Month‑end reconciliation is faster and friendlier for the finance team.”
— VP Finance, SaaS + hardware
Free Interchange Audit
Upload a recent statement. We’ll map your downgrade patterns, corporate card mix, and qualification gaps—and return a concrete savings plan.
- L2/L3 opportunity analysis
- CNP hygiene check (AVS/CVV, settlement timing)
- Effective‑rate breakdown and MCC review
- Gateway/POS configuration playbook
Ready to qualify more for better interchange?
Upload a recent statement and get a clear, data‑driven plan tailored to your mix and systems.