ARGOZ is a payments consulting firm committed to refining financial operations through strategic cost management of scheme costs, interchange fees, and discount rates for various financial actors, including issuers and acquirers. Our services include expert consulting for detailed cost evaluation and tailor-made optimization strategies alongside advanced, AI-enhanced software solutions for continuous tracking and analytics. With a solid track record of servicing over 200 entities across 30 countries, ARGOZ turns intricate financial data into actionable insights, facilitating better efficiency and increased profitability. Partner with us to unlock substantial cost reductions and elevate your financial performance.

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. It offers dynamic and comparative analyses and provides real-time updates, enabling a comprehensive analysis of 100% of brand costs.

Argoz Consultants

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