TomoPay Intelligence
Three modules. One data model. Four questions answered.
TomoPay is building technology alongside the consulting, because the questions worth asking about a payment ecosystem are hard to answer with the reporting most businesses already have.
Everything shown on this page is a front-end preview using demo data. No client, provider or employer data appears anywhere on this site.
Every payment raises the same three questions.
They are normally answered in three different systems, by three different people, at three different times. The fourth question is what you get when they finally sit together.
Module
Performance
Did it convert?
Acceptance rate and customer success rate, by PSP, market, brand, method, bank and BIN, with the decline reasons behind them.
Module
Commercials
What did it cost?
Every fee and every contract term in one place, resolved into effective processing cost and cost per successful transaction.
Module
Reconciliation
Did we receive the right amount?
Internal transactions against PSP reports against settlement files, with variances identified rather than discovered later.
The layer above
Intelligence
What should we change?
The three answers read together. A provider that converts well but settles short is a different decision from one that is simply expensive.
Performance
Did it convert?
Acceptance rate, customer success rate, unique depositors, transaction and successful volume, and average transaction value — with provider, market and payment-method comparison across daily, weekly and monthly views. Decline reasons sit alongside the numbers, so a drop points somewhere.
Performance
Did it convert?
Acceptance rate
87.4%
Improved by +2.8pp
Customer success rate
94.2%
Improved by +1.4pp
Processing cost
2.84%
Improved by -0.18pp
Successful volume
€4.8M
Improved by +7.2%
Decline reasons
- Issuer decline — do not honour34%
- Insufficient funds21%
- 3DS abandoned18%
- Bank authentication timeout13%
- Risk rule triggered9%
- Other5%
Provider comparison
| Provider | Method | Transactions | AR | Volume | Cost |
|---|---|---|---|---|---|
| Provider A | Cards | 184,320 | 89.4% | €2.14M | 2.31% |
| Provider B | Open Banking | 96,840 | 91.8% | €1.32M | 1.94% |
| Provider C | Cards | 42,115 | 78.2% | €0.71M | 2.86% |
| Provider D | Wallet | 21,470 | 93.1% | €0.43M | 2.05% |
| Provider E | Local method | 9,830 | 84.6% | €0.20M | 3.12% |
Commercials
What did it cost?
A central commercial record for every provider. Fee structures resolve into effective processing cost and cost per successful transaction. Contract terms — start and end dates, renewal basis, notice periods, settlement schedules, rolling reserves and monthly minimums — sit in the same register, with alerts raised before a notice deadline passes rather than after.
Commercials
What did it cost?
Fee structure
| Fee | Provider A | Provider B | Provider C |
|---|---|---|---|
| Percentage fee | 1.90% | 2.10% | 1.70% |
| Fixed fee | €0.20 | €0.15 | €0.25 |
| Minimum fee | — | €0.50 | — |
| Maximum fee (cap) | €12.00 | — | €9.00 |
| FX fee | 0.50% | 0.70% | 0.40% |
| Refund fee | €0.50 | €0.30 | €0.50 |
| Chargeback fee | €15.00 | €20.00 | €12.00 |
| Withdrawal fee | €0.35 | €0.25 | €0.45 |
| Settlement fee | €25.00 | €15.00 | €30.00 |
| Monthly minimum | €2,000 | €1,000 | €3,500 |
| Rolling reserve | 5% / 90 days | — | 8% / 180 days |
Resolved against volume
Provider A
2.26%
Effective processing cost
€0.94 per successful transaction
Provider B
2.48%
Effective processing cost
€1.07 per successful transaction
Provider C
2.09%
Effective processing cost
€0.88 per successful transaction
Contract register
| Provider | Start | End | Renewal | Notice | Settlement | Reserve | Minimum |
|---|---|---|---|---|---|---|---|
| Provider A | 01 Mar 2025 | 28 Feb 2028 | Auto-renews | 90 days | Weekly, T+3 | 5% / 90 days | €2,000 / month |
| Provider B | 27 Nov 2023 | 26 Nov 2026 | Auto-renews | 60 days | Daily, T+2 | — | €1,000 / month |
| Provider C | 01 Oct 2022 | 30 Sep 2027 | Manual renewal | 30 days | Monthly, T+10 | 8% / 180 days | €3,500 / month |
| Provider D | 12 Jan 2026 | 11 Jan 2029 | Auto-renews | 90 days | Weekly, T+5 | 3% / 60 days | — |
Commercial alerts
Termination notice deadline in 24 days
Provider B — notice must be served at least 60 days before the 26 Nov renewal.
Monthly minimum shortfall
Provider C — €3,500 committed, €1,840 processed. Third consecutive month.
Rolling reserve release due
Provider A — €48,200 scheduled for release on 30 Sep.
Reconciliation
Did we receive the right amount?
Internal transaction data against provider transaction data against settlement files. Matches, fee differences, amount differences and missing settlements are separated, so the exceptions are a short list to work through rather than a spreadsheet to interrogate.
Reconciliation
Did we receive the right amount?
Transactions processed
12,482
Matched
12,371
Requiring review
111
Automatically reconciled
99.1%
Variance €1,284.60
Exceptions and matches
| Transaction | Provider | Internal | Provider | Settled | Status |
|---|---|---|---|---|---|
| TX-4471902 | Provider A | €240.00 | €240.00 | €234.46 | Matched |
| TX-4471915 | Provider B | €75.00 | €75.00 | €73.28 | Fee difference |
| TX-4471938 | Provider A | €1,200.00 | €1,200.00 | — | Missing settlement |
| TX-4471944 | Provider C | €60.00 | €59.40 | €57.92 | Amount difference |
| TX-4471951 | Provider D | €150.00 | €150.00 | €146.93 | Matched |
| TX-4471967 | Provider B | €320.00 | €320.00 | €312.85 | Matched |
Where this is going
A product, on its own domain.
These previews are built as real components against a real data model, not as images. As the platform matures it moves to its own application at app.tomopayconsulting.com, and this site remains the public front door.
If you would like to be part of the early group shaping it, say so when you get in touch.
A provider that converts well but settles short is a different decision from one that is simply expensive. You only see the difference when all three answers are in the same place.