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.
Access the Report Learn how to uncover margin leakage, improve financial control, and gain a clearer view of profitability at the transaction and merchant level.
The SRM Acquirer Profitability Report examines five dimensions of acquirer economics:
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.
Settlement Reconciliation
Detailed reconciliation helps identify missing, rejected, mispriced, or misclassified transactions before discrepancies compound.
Merchant Performance
Merchant-level analysis connects performance across sectors, geographies, channels, and transaction types to pricing and portfolio strategy.
Continuing the Conversation:
Join us on Tuesday, September 29, at 9:30 a.m. CT / 3:30 p.m. BST for an executive discussion on how better data and deeper analytics can help merchant acquirers uncover margin leakage, improve billing and settlement accuracy, and gain a clearer view of profitability at the individual merchant level.
Discussion Topics
Where margin can be lost across scheme fees, interchange, merchant billing, and settlement
Why aggregated monthly reporting can make profitability issues difficult to identify
How transaction-level data can improve visibility into individual merchant economics
Ways deeper analytics can support billing accuracy, fee reconciliation, and settlement processes
How actionable management information can strengthen pricing and commercial decision-making
The role technology can play in turning complex payments data into practical intelligence
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.png?width=1520&height=475&name=Webinar%20Banner_Acquirer%20Profitability%20Webinar%20v1%2009.03.2026%20(3).png "Webinar Banner_Acquirer Profitability Webinar v1 09.03.2026 (3)")
