Innovative Software Solutions for Payment System Optimization

Paytech provides with PRICEY!® all the transaction-level analysis, reconciliation and segmentation of Interchange Fee with full accuracy.

PRICEY!® allow institutions to:

• Precisely calculate Interchange Fee by product, transaction type, customer segment or channel.

• Perform profitability studies by card product, merchant, client or transaction.

• Eliminate estimation errors and reconcile expected vs applied interchange with confidence.

This capability is foundational for pricing strategy, portfolio optimization and margin control.

Through SAVVY®, Paytech enables issuing and acquiring institutions to detect, quantify and track valid cost-saving actions related to card schemes and payment networks.

• Continuous scheme cost monitoring, with automated detection of inefficiencies and deviations.

• Validated savings and recovery actions, structured with clear, measurable economic impact.

• Bulletin Insights®, translating scheme rule changes into actionable cost implications.

SAVVY® provides continuous visibility, validation and control over scheme costs, turning complexity into measurable savings.

Through PRICEY!®, Paytech delivers advanced dashboards for:

• Merchant Discount Rate (MDR) pricing and validation.

• Interchange Fee calculation and segmentation for both acquirers and issuers.

• Margin analysis at merchant, segment and portfolio level.

PRICEY transforms pricing complexity into a transparent, auditable and scalable pricing intelligence layer.

Paytech enables advanced fraud management through a product-centric, data-driven decision engine designed to balance risk, customer experience and economic outcome.

Our fraud capabilities combine transactional, product and customer-level features to:

• Assess fraud risk at granular segment level.

• Calculate fraud-adjusted margin alongside traditional risk scores.

• Optimize approve, step-up (SCA), review and decline decisions by product, channel or customer segment.

The engine continuously learns from confirmed fraud and subsequent chargebacks, allowing institutions to reduce fraud losses without unnecessarily sacrificing approval rates or margin.

Paytech provides a value-driven dispute and chargeback engine designed to maximize recovery while minimizing operational cost:

• Prioritizes cases based on net recovery value and Automates low-value or low-probability workflows.

• Enriches cases with contextual and transactional data to increase win rates.

• Reduces unit handling cost and operational burden for dispute teams.

Focus resources where they matter most, improving recovery rates while maintaining scalable, efficient operations.