FREE · 2 MINUTES
Payment Stack
Healthcheck
Six questions. Instant score. Find out where your payment stack is strong — and where it's costing you revenue you may not know you're losing.
What we assess
Six pillars of a well-optimised payment stack. Most merchants have gaps in at least two.
Resilience
Redundancy and failure tolerance
Cost
Pricing model and rate efficiency
Performance
Acceptance rate and decline recovery
Risk
Fraud and chargeback management
Coverage
Local payment methods by market
Optimisation
Routing, orchestration, and efficiency
6 QUESTIONS · 2 MINUTES
How does your stack measure up?
1. Do you have a backup acquirer or secondary PSP?
A single-acquirer stack means a platform outage, policy change, or account review can halt payments with no fallback.
2. Are you on IC++ (interchange passthrough) pricing?
Blended rates bundle interchange, scheme fees, and acquirer margin into one number — making negotiation impossible. IC++ separates them.
3. Do you actively monitor your payment acceptance rate?
The industry average is 85–92%. With the right routing and retry logic, you should be above 95%. Most merchants losing revenue here don't know it.
4. Do you have dedicated fraud and chargeback tooling beyond your PSP's defaults?
PSP default rules are built for the average merchant, not your profile. Dispute rates above 0.5–1% risk triggering scheme monitoring programmes.
5. Are you offering local payment methods in your key markets?
In Germany, Netherlands, Poland, Brazil, and India, large portions of customers either prefer or exclusively use non-card methods. Cards-only loses them at checkout.
6. Are you using payment orchestration or intelligent routing?
Routing across acquirers based on card type, geography, and decline patterns typically improves acceptance rates by 3–8% and removes single-point-of-failure risk.