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Payment financial control

From reconciliation to profitability.

Files, reconciliation, disputes, fees, settlement and reporting connected in a single control chain. Explain every financial position, measure the profitability of every activity.

Request a demo Explore the areas

Built forBanksAcquirersIssuersProcessorsPSPs

OPSIDENS · Acquiring dayIllustration — fictitious data

01Collect

Files for the day

  • Clearing — schemeReceived
  • Settlement — schemeReceived
  • Processor dataReceived
  • Internal reference dataReceived

Day ready

4/4

files checked

  • 9connected control areas
  • 7steps, from file to margin
  • 2activities: acquiring and issuing

Acquiring and issuing.Controls specific to each activity.

Merchant and cardholder flows rely on different data, positions and rules. One shared architecture, with those specifics preserved.

Acquiring

Connect merchant transactions, clearing, processor data and settlement positions. Control amounts due, interchange paid, fees and chargebacks to measure what your acquiring business contributes.

  • Merchant transactions
  • Clearing
  • Interchange paid
  • Chargebacks
  • Amounts due to merchants
Acquiring controls

Issuing

Issuing control cockpit available

Reconcile authorisations, presentments, reversals, adjustments and cardholder positions through to issuer settlement. Track breaks, interchange earned, fees and disputes.

  • Authorisations
  • Presentments
  • Interchange earned
  • Cardholder disputes
  • Issuer settlement
Issuing controls

Nine areas

Nine areas.One control chain.

From file receipt to margin analysis: every control, investigation and validation that explains your financial positions.

01Prepare and reconcile

  1. 01Data and file controlExpected versus received files: missing, rejected or incomplete files caught before processing.
  2. 02Processing orchestrationProcessing runs, dependencies and executions organised, traced and replayable.
  3. 03Flow reconciliationAuthorisations, transactions, clearing, processors, settlements and accounting reconciled.

02Process and validate

  1. 04Disputes and chargebacksCases, documents, deadlines and financial impacts linked to the related transactions.
  2. 05Fee controlInterchange, scheme fees and processor invoices checked against activity and pricing rules.
  3. 06Finance validation and settlementExpected and confirmed amounts compared; breaks, FX and validations documented.

03Document and steer

  1. 07Scheme and regulatory reportingReports produced from controlled, validated data, within the applicable scope.
  2. 08Closing and audit evidenceFiles, runs, analyses and validations brought together in a fingerprinted closing report.
  3. 09Performance and profitabilityRevenue, costs and losses connected to read the contribution of merchants, products, cards or programmes.
The areas in detail How it works

Closing and audit

A documented close.Verifiable controls.

Files received, runs executed, breaks reviewed, validation decisions: the closing report brings it all together, with a digital fingerprint and history, for Finance reviews and audit.

  • File completeness and processing execution.
  • Reconciliations, disputes, fees and settlement positions in scope.
  • Comments, validations and closing report items.
Validation and traceability

Closing report

Scope: acquiring — illustrative day

  • Files received18 / 18
  • Processing runsCompleted
  • Reconciliation1 documented break
  • Disputes and chargebacksTracked
  • FeesChecked
  • Finance validationValidated
Report frozen after validation

Digital fingerprinta17f…9c4e

Illustration — fictitious data

Profitability

Understand what drives your margin.

Payment revenue only makes sense against its costs and losses. OPSIDENS structures that view around the economics of acquiring and issuing.

Acquiring

Merchant commissions and service revenue against interchange paid, scheme and processor fees, chargeback losses and settlement or FX differences.

Axes merchant, MCC, product, scheme, channel, segment

Issuing

Interchange earned, card, programme, FX and service revenue against scheme and processor fees and dispute or fraud losses.

Axes card, account, BIN, programme, product, segment, scheme, channel

Profitability management

Margin on the analysed scope

Acquiring · one fictitious month · EUR

Margin on the analysed scope — Category (MCC)
AxisTransactionsRevenueAnalysed costsMarginRate
Retail41,280€182,400-€121,900€60,500+33%
E-commerce28,950€156,300-€118,700€37,600+24%
Hospitality6,420€48,900-€31,200€17,700+36%
FuelTo analyse12,870€22,100-€24,300-€2,200-10%

Fuel

€22,100 − €24,300 = -€2,200

Over the illustrated period, analysed costs exceed revenue by €2,200. The cost detail and pricing conditions direct the analysis.

Margin = revenue − costs and losses included in the analysis scope. Items, period and currency are stated for each view.

Here — revenue: merchant commissions; costs: interchange paid, scheme and processor fees. One fictitious month, in EUR.

Illustration — fictitious data

Deployment

Deployed in your infrastructure.

OPSIDENS works from the files and references of your schemes, processors, switches and internal systems. Installed in your environment, it keeps controls close to your operations and your data governance requirements.

Sources to integrate, control rules, validation responsibilities and expected outputs are defined during scoping.

Discuss your environment

Gains

Measure the gains on your own operations.

The potential is quantified with your teams, from your volumes, your costs and your current processes.

  1. 01Reconciliation time
  2. 02Settlement breaks
  3. 03Fees to review
  4. 04Audit preparation
  5. 05Low-margin activities

Let’s talk about your control priorities.

Your acquiring or issuing flows, your sources, your control points: together we define a demo scope that fits.

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