You're probably losing ₹2–20 lakh a year in unnecessary payment costs.
Not from lost sales — from the sales you already made. We'll show you exactly where it's going, in writing, for free. No integration, no obligation, and no pitch until the numbers justify one.
Your numbers
What that is costing you
Avoidable payment cost, per year
₹6.00 L
₹50K a month — modelled at an effective 1.70% versus your 1.95%.
₹6.67 L
Working capital unlocked by moving 1 day earlier
₹36.00 L
Annual GMV recovered at a 1.5% authorisation uplift
Indicative model, not a quote. It assumes a 0.25% improvement on your effective MDR, T+1 settlement, and a 1.5% authorisation uplift from failover and retries. Your actual numbers depend on business category, payment mix, and volume — the audit works them out from your real statements.
What we look for
Six places money leaks out of a payment stack
None of these show up as a line item on an invoice. All of them show up in your P&L.
MDR you never renegotiated
Most merchants sign a rate card at one volume tier and never revisit it. Your volume grew; the rate didn't move. That gap compounds every single month.
Payments that quietly failed
A degraded bank rail doesn't announce itself — it shows up as a slightly worse conversion rate. We quantify what those attempts were worth.
Cash sitting in settlement
Every extra day in the settlement cycle is working capital you funded instead of your provider. We price that in rupees, not in days.
Method mix priced as one blob
If UPI and cards are on a single blended rate, a UPI-heavy business is subsidising card pricing it barely uses. We split it out.
Fees below the headline rate
Setup, annual maintenance, platform minimums, payout charges, and per-refund fees rarely appear in the number you were quoted.
Single-provider dependency
One provider means one rate card and one outage. We show what a second route would have been worth over your last twelve months.
How it works
Four steps, about a week, nothing to install
Share your numbers
Monthly volume, current effective MDR, settlement cycle, and payment mix. A recent statement is enough — no integration, no access to your systems.
We break down the leakage
We separate what you're paying per method, what your failed attempts are costing in lost GMV, and what your settlement cycle is costing in working capital.
You get it in writing
A one-page written breakdown with the rupee figure attached to each line — yours to keep whether or not you ever talk to us again.
Decide with numbers
If the saving is worth acting on, we quote against it. If it isn't, we'll tell you plainly that you're already well priced.
Request your audit
Send us your numbers
Founders, CFOs, and finance heads — this takes about two minutes and the analysis comes back in writing.
Our commitments
- ✓The audit is free, and you keep the analysis either way
- ✓No integration, no code, and no access to your systems required
- ✓If we can't reduce your payment cost, we'll tell you not to switch
- ✓Free migration with no setup fee and no downtime if you do