The decision this solves
Where the money is leaking — pricing, cost, or mix — and what to fix first.
Who it's for
Software companies whose embedded finance product is being used but earns less per transaction than it should.
Questions we answer
- Are we priced right for our ticket size and card mix?
- How much margin are we losing to downgrades and pass-through misses?
- Is our buy rate still market, or is it time to reopen the contract?
- Which of our products earns least per transaction, and why?
What it covers
- Take-rate and margin audit against stage and vertical benchmarks
- Pricing and packaging of the product within your software
- Payments leakage diagnosis (interchange, downgrades, pass-through misses)
- Lending and card equivalents — approval rates, funded-attach economics, interchange share
- Provider cost structure, and when the buy rate is worth reopening
How the engagement works
Audit-first: benchmark your unit economics against your stage and vertical, locate the leak, and leave you a sequenced fix list with the money attached to each item. Exact scope is agreed on the first call.
What we'll need from you
- Processing statements, origination data, and volume basics
- Your current merchant-facing pricing
- Your provider agreement and current buy rate
What you leave with
A quantified margin gap and the sequenced plan to close it.