Mercardo — Merchant Payments Analytics
Unify card acquiring and payments data to understand costs, performance, and optimisation opportunities — clearly and continuously.
What Mercardo Is
Mercardo is a merchant payments analytics platform built to unify card acquiring and PSP data into a single, structured view of cost and performance.
It consolidates complex fee structures, authorisation behaviour, routing logic, and provider comparisons into clear, decision-ready intelligence for finance and payments teams.
Rather than relying on static reports or manual reconciliation, Mercardo provides continuous visibility across your payments ecosystem.
Because optimisation requires clarity before action.
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1. See the True Cost of Card Payments
Gain a clear, transaction-level view of interchange, scheme fees, acquirer margin, FX, and other charges — across all providers.
2. Identify Hidden Revenue Leakage
Surface downgrade penalties, routing inefficiencies, issuer-driven declines, and other factors that quietly erode margin.
3. Improve Authorisation Performance
Understand how issuer behaviour, routing logic, and configuration decisions impact approval rates and conversion.
4. Govern Payments with Confidence
Move away from ad-hoc reviews and spreadsheets toward continuous visibility, benchmarking, and monitoring.
5. Negotiate from a Position of Evidence
Enter commercial discussions with facts, not assumptions — supported by clean, comparable data.
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Unified Payments Data
Aggregates and normalises data from acquirers, PSPs, and processors into a single, consistent view.
Cost & Fee Intelligence
Breaks down interchange, scheme fees, acquirer pricing, downgrades, and other cost drivers in plain terms.
Authorisation & Decline Analytics
Analyses approval rates, declines, issuer behaviour, and 3DS impact across markets and providers.
Benchmarking & Comparison
Compares performance and costs across providers, regions, and time periods to highlight optimisation opportunities.
Alerts & Monitoring
Flags unusual changes in costs or performance so issues are identified early, not months later.
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Understanding the true cost of card acceptance requires transparency at every level. Mercardo breaks down the complex fee structures that impact your bottom line, giving you clarity on interchange categories, scheme fees, acquirer margins, and cross-border charges.
Interchange Intelligence
Track interchange rates across card types, markets, and transaction types. Identify opportunities to optimize qualification and reduce downgrades.
Scheme Fee Transparency
Monitor assessment fees, authorization fees, and other scheme charges. Understand how rule changes impact your total cost structure.
Acquirer Cost Analysis
Compare pricing across providers with consistent methodology. See exactly what you're paying for processing, gateway, and value-added services.
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Every declined transaction represents lost revenue and a frustrated customer. Mercardo provides granular visibility into authorization performance, helping you understand why transactions fail and what you can do about it.
Issuer Analysis
Track approval rates by issuing bank to identify problematic relationships and patterns. Understand regional and issuer-specific behavior.
Decline Intelligence
Categorize decline reasons and identify actionable improvements. Separate issuer declines from processor or configuration issues.
3DS Impact
Measure authentication performance and its effect on conversion. Balance fraud prevention with customer experience.
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Finance teams use it to understand and govern total cost of acceptance
Payments teams use it to analyse performance and routing decisions
Leadership uses it to support commercial and strategic decisions
Mercardo can be used on its own or alongside advisory support.
Continuous Monitoring & Benchmarking
Payment performance and costs change constantly — new scheme rules, provider pricing adjustments, market shifts, and operational changes all impact your bottom line. Mercardo keeps you informed with automated monitoring and comparative analysis.
Monitor approval rates, decline patterns, and cost trends over time with automated reporting.
Performance Tracking
Compare costs and performance across acquirers, PSPs, and regions with consistent methodology.
Provider Comparison
Receive notifications when costs spike or performance degrades, enabling fast response.
Proactive Alerts
Designed for Your Environment
No requirement to change acquirers or processors
Mercardo works with your existing provider relationships. There's no need to disrupt operations or renegotiate contracts to gain visibility.
Whether you work with one acquirer or ten, across multiple markets and currencies, Mercardo normalizes and consolidates the data into a unified view.
Built for multi-provider complexity
The platform is designed to enhance your existing processes and decision-making frameworks, not replace them. It provides the evidence base you need to govern payments effectively.
Supports governance, not disruption
Real Impact on Payment Economics
Organizations using Mercardo gain clarity that drives tangible business outcomes. By understanding the full picture of payment costs and performance, teams can make informed decisions that improve margins and customer experience.
15-25%
Typical savings identified through interchange optimization, provider comparison, and fee analysis.
Cost Reduction Potential
2-5%
Authorization Uplift
Approval rate improvements achieved by addressing issuer-specific decline patterns and routing inefficiencies.
80%
Reduction in manual reporting and analysis effort through automated data consolidation and monitoring.