At ARGOZ Consultants, we specialize in optimizing scheme costs, interchange fees, and discount rates for issuers and acquirers, achieving savings of up to 15% on Scheme Costs and other relevant savings.
Our dual approach includes consulting services that offer comprehensive cost analysis and tailored optimization strategies, as well as AI-powered software solutions that provide real-time tracking and detailed analytics. With experience working with over 200 entities across 30 countries, we transform complex financial data into actionable insights, driving efficiency and profitability. Partner with ARGOZ to unlock significant cost savings and enhance your financial performance.
At ARGOZ, we are experienced payment consultants driving growth and profitability for issuers and acquirers worldwide.
Services Provided
Brand Scheme Cost Reduction: This comprehensive analysis aims to uncover every hidden and unclear cost within your brand scheme invoices. It provides insights into both your issuing and acquiring businesses by utilizing best practices gleaned from over 200 entities. We equip your organization with data-driven strategies to optimize costs and improve financial efficiency.
Revenue Assurance Services: This service leverages Artificial Intelligence to enable hyper-segmentation of the Interchange Fee and Merchant Discount Rate (MDR). It analyzes millions of data points to perform precise reconciliation with an accuracy rate exceeding 99.8%. This tailored approach crafts profitability strategies for individual merchants, groups of merchants, or specific transaction sets.
Interchange Fee Optimization: This consulting service is focused on maximizing interchange fee income for issuers. Our approach involves a detailed analysis of the complex rules and variations in interchange fees, providing clear insights and actionable strategies to optimize your fee structure.
SaaS Solutions
BST® (Brand Scheme Tracker): BST® is a robust SaaS banking solution designed to continuously optimize and track brand scheme costs for issuers and acquirers. It simplifies the complexities found in brand scheme invoices by categorizing billing lines, offering clear visualizations, and delivering in-depth insights.
Savvy®: This AI-powered SaaS solution for financial companies and banks is developed by expert consultants for the continuous optimization and benchmarking of Brand Scheme costs. Savvy® offers dynamic and comparative analyses and provides real-time updates, enabling a comprehensive understanding and analysis of 100% of brand costs.
