Card Payment Optimization
Stop losing money to hidden fees and failed payments.
Independent insight into where card payment costs, inefficiencies, and drop-offs are hurting profitability — with fast, actionable recommendations.
Reduce Card Payment Fees
Card payments are full of complexity — bundled fees, markups, and opaque pricing structures by design. Visibility is often limited, especially when relying solely on payment providers.
Independent analysis of payment provider data (e.g. Adyen, Stripe, Worldpay) can reveal inflated charges, acquirer margin creep, sub-optimal interchange, and hidden network fees. Historical overpayments are often recoverable, and ongoing costs can be significantly reduced with targeted changes.
Boost Payment Conversion
False declines and 3DS drop-offs cost you more than you think — and most merchants don’t know where the leaks are. Maybe your fraud tools are too aggressive. Maybe you're not sending the right data to issuing banks. Or your payment method mix just isn't aligned with customer expectations.
Bankhawk’s AI surfaces the exact friction points in your payment flow. Bankhawk can easily show you what’s causing drop-offs, how to fix them, and what that’s worth to your bottom line — often millions.
Strengthen Fraud Defenses
Fraud is evolving fast — from organized attacks to “friendly fraud” and chargeback abuse. You need defenses that are smart enough to stop bad actors but flexible enough to let real customers through.
Effective fraud prevention requires a balance between security and customer experience. Calibrating modern tools with the right thresholds, rule logic, and policy settings enables revenue protection without introducing unnecessary friction.
Minimize FX Margins and Other Hidden Costs
Cross-border sales are a growth engine — but FX markups, hidden bank fees, and multi-currency pricing gaps quietly erode your margins.
Profit leakage in international payment flows often stems from conversion fees, currency mismatches, and sub-optimal FX settlement structures. Independent analysis can highlight these gaps and support recovery strategies that protect margin on every transaction.
Benchmark Vendor Performance
Are acquirer fees competitive? Are approval rates aligned with market norms? Without meaningful benchmarks, it's difficult to know.
Comparative analysis across issuers, acquirers, and regions transforms opaque payment data into commercial leverage.
Fast Insights, Zero Integration
No integration, no IT support, and no operational disruption required. A simple data upload enables fast, actionable insights with minimal internal effort.
Ongoing optimization is available where needed, and many engagements operate on a success-based model — ensuring alignment between outcomes and fees.
“Based on their success in helping to deliver cost savings elsewhere in Selfridges Group, we engaged Bankhawk to help us to identify and deliver savings in our banking and payment costs.
These have so far led to working capital savings and the negotiation of reduced card fees, with Bankhawk also helping to project manage the implementation of the initiatives. I would be happy to recommend Bankhawk.
They have helped us to navigate the complex world of payments and put us on a path towards building a clear strategy to manage and optimize relationships with our payment providers.”
— Katrina Nurse, Finance Director at Selfridges & Co.