Many acquirers still rely on fixed pricing models—fees based on merchant tiers, MCCs, or transaction volumes that are updated manually and infrequently. This rigidity comes at a measurable cost.
A McKinsey study found that applying analytics-based dynamic pricing can boost margins by 4–8% and increase revenue by over 5%.
Way4 clients are seeing similar results, thanks to automation, flexibility, and real-time control over their acquiring pricing strategies.
When flexibility drives profitability
Way4 equips acquirers with dynamic pricing capabilities to respond to real merchant behavior and market conditions. On a single platform, they can:
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Automatically adjust fees when merchant behavior changes
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Apply promotional pricing during peak seasons or launches
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Set customized terms by hierarchy, product, or risk level
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Manage unlimited multi-currency pricing for cross-border transactions
From transactions to events: pricing logic that reflects reality
Way4 supports both transaction-based and event-based pricing. Acquirers can go beyond charging per transaction type to encompass events such as:
Rule formulas can use over 40 pricing parameters, including channel, merchant type, MCC, card scheme, region, and transaction behavior.
Matrix clarity and Interchange++ transparency
Way4’s pricing matrix configurations allow acquirers to easily set rules based on combinations of transaction attributes.
It supports fee grids at the merchant contract level and aligns charges with each merchant’s billing currency.
For Interchange+ and Interchange++ schemes, Way4 calculates:
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Interchange fees
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Scheme fees
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Acquirer margin
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Final merchant charges
This automation removes manual work and ensures full transparency.
Way4 already delivers what next-generation acquiring requires—flexible, data-based pricing with measurable returns.
