Unlock Hidden Value in your Payments and Billing data with PayIP: Harness the Power of Decades of Global Payments and Data Expertise to Simplify Your Bank’s Complex Scheme Network Billing and Maximize Revenue Opportunities and Cost Optimizations.

With Proprietary Technology and the Sharpest Data and Payment Experts, PayIP Delivers Incredible Value to Banking and Fintech Clients.

Unlock Hidden Value in your Payments and Billing data with PayIP: Harness the Power of Decades of Global Payments and Data Expertise to Simplify Your Bank’s Complex Scheme Network Billing and Maximize Revenue Opportunities and Cost Optimizations.

With Proprietary Technology and the Sharpest Data and Payment Experts, PayIP Delivers Incredible Value to Banking and Fintech Clients.

ABOUT US

PayIP identifies revenue opportunities and cost optimisations for banks’ card payment programs globally.

Utilising our decades of global payments and data expertise, PayIP is able to simplify a Bank’s complex scheme networks’ (Visa and MasterCard’s) invoices and reporting, demystify the jargon, and identify recoveries for your bank’s finance and payment teams.

PayIP’s proprietary technology deploys sophisticated software algorithms to detect discrepancies, errors, and patterns in the scheme networks’ invoicing and the bank’s data. Our technology, coupled with the sharpest data and payment experts globally, ensures we always add immense value to our banking and fintech clients.

WE SERVICE BANKS AND FINTECH PROVIDERS GLOBALLY

ANY CARD PROGRAM. ANY BANK. ANYWHERE IN THE WORLD

Our Services

Analyze fees & costs paid to the associations (Visa, MasterCard, Diners & Amex)

Analysis for other payments schemes as well as local switches (BankServ, UnionPay, etc)

Revenue and cost allocations review between your payment eco system partners- co-branded partners/fintech’s/3rd party service providers

Interchange Reviews (earned & paid)

VAT and Taxes on Fees & Interchange

Associations Incentives review and analysis

Quarterly association reporting

Annual PAYIR reporting to SARB

Review and negotiation of new Network program fees and contracts

Data analysis and MIS on existing payment transaction data

Issuing & Acquiring

Our Services

Analyze fees & costs paid to the associations (Visa, MasterCard, Diners & Amex)

Analysis for other payments schemes as well as local switches (BankServ, UnionPay, etc)

Revenue and cost allocations review between your payment eco system partners- co-branded partners/fintech’s/3rd party service providers

Interchange Reviews (earned & paid)

VAT and Taxes on Fees & Interchange

Associations Incentives review and analysis

Quarterly association reporting

Annual PAYIR reporting to SARB

Review and negotiation of new Network program fees and contracts

Data analysis and MIS on existing payment transaction data

Issuing & Acquiring

What our Clients Say

Blogs

Breaking Down Visa and MasterCard Payment Fees for Banks: What Banks Need to Know 

As a bank, the fees associated with Visa and MasterCard products and credit and debit card payment processing are complex, and it’s essential to understand what a Bank is paying for. After all most banks are paying hundreds of millions of dollars to the scheme networks annually (Visa/MasterCard/Amex). […]

10 reasons why interchange and the fees billed by Visa and MasterCard to banks are so complex

The fees charged by Visa and Mastercard to banks for payment processing services are complex for a few reasons that include:
1. Thousands of fee items- Visa and MasterCard bill independently and each network has thousands of different billing codes for different types of transactions, licenses, projects and programs that they charge the banks for. […]

Mastering the Fine Print: The Importance of Understanding Visa and Mastercard Billing for Banks in the Payment Ecosystem

The payments ecosystem of a bank is a complex and dynamic environment that is constantly evolving with new technologies, players, and regulations. At the heart of this ecosystem is the bank itself, which acts as a facilitator for the many different types of transactions that occur within it. The bank is responsible for clearing and settling these transactions, and is also responsible for ensuring compliance with all relevant laws and regulations. […]

Why the reconciliation of interchange between banks is crucial

Reconciliation is a crucial process for banks when it comes to managing
their payment billings and interchange with other banks. It is a process by
which banks match, validate and reconcile payment transactions with the
corresponding financial records of the networks (Visa and MasterCard) to
ensure that all transactions are accurate and complete. […]

Case Studies

A Bank’s Success in Recovering Network Fees with the Support of PayIP

Despite its size and reputation, our banking client acknowledged its difficulty to fully understand and manage the complex network (Visa & MasterCard) fees associated with its card processing services. […]

The Importance of Accurate Invoicing and Reconciliation of Interchange Transactions Between Banks

Our client, a bank and mid-size financial institution that offers a variety of financial services to its customers, including credit and debit card issuing and processing struggled with reconciling the interchange fees associated with its card processing services. Specifically, the bank failed to invoice other banks for the interchange fees and could not verify or reconcile the […]

Are You A Potential PayIP Client?

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    Are you a Bank or a fintech provider?

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    Do you understand all the jargon and billing details of your card networks' (Visa, MasterCard, etc) invoices?

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    Are you earning and paying the correct card interchange?

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    Are you reviewing your network charges to ensure its accuracy?

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    Do you have many payment partners that you share revenues and costs with?

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    Is your quarterly association reporting accurate and seamless?

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    Are you recouping the correct amount of incentives from the networks?

  • null

    Do you require support in negotiating new agreement terms with the networks?

Are You A Potential PayIP Client?

  • null

    Are you a Bank or a fintech provider?

  • null

    Do you understand all the jargon and billing details of your card networks' (Visa, MasterCard, etc) invoices?

  • null

    Are you earning and paying the correct card interchange?

  • null

    Are you reviewing your network charges to ensure its accuracy?

  • null

    Do you have many payment partners that you share revenues and costs with?

  • null

    Is your quarterly association reporting accurate and seamless?

  • null

    Are you recouping the correct amount of incentives from the networks?

  • null

    Do you require support in negotiating new agreement terms with the networks?

CAREERS

Working at PayIP is an incredible opportunity to unlock your potential and be part of an ambitious, talented team driving our niche payments story forward.

At PAYIP you are able to realise the powerful business combination of freedom and responsibility!

We are always on the lookout for hard working, smart, and loyal people to join our growing team.

If you are in payments, a developer, a data scientist, or love developing business relationships with banks and fintechs, drop us an email at careers@payipglobal.com

GET IN TOUCH

We are looking forward to hearing from you

WHATSAPP

Chat to us by clicking on the bottom right Whatsapp icon.

TELEPHONE

GET IN TOUCH

We are looking forward to hearing from you

WHATSAPP

Chat to us by clicking on the bottom right Whatsapp icon.

TELEPHONE