Merchant acquiring is a high-volume business where small economic differences compound quickly.

Scheme fees, settlement activity, and merchant performance are often managed as separate operational concerns. Together, they shape the economics of acquiring. When that activity is compressed into aggregated monthly reporting, leaders may see a variance without seeing the transactions, classifications, or merchant behaviours behind it.

Today’s acquiring leaders must account for:

• • Complex scheme fees across products, channels, and geographies

  • Under-recovered fees and gaps in merchant billing

  • Transactions that are mispriced, mislabelled, or misclassified

  • Settlement discrepancies that surface after the fact

  • An incomplete view of performance across merchants and portfolios

SRM’s Acquirer Profitability Report examines why volume growth alone does not guarantee stronger returns. Download the report to understand what the aggregated result may be concealing and how transaction-level analysis can support more informed decisions across fee recovery, reconciliation, pricing, and portfolio management.

 Scheme Fee Complexity

Changing fee structures across products, channels, and geographies create new cost, coding, and recovery challenges.

 Fee Assurance and Recovery

Transaction-level calculations expose variances between scheme invoices and the fees allocated to merchants.

 Daily Fee Intelligence

Daily estimates can clarify interchange and scheme fee exposure by merchant, transaction type, and channel.