Margin Recovery Audit

Payment Stack Audit

A read-only audit that puts a euro figure on what a client's payment rails are quietly costing them — before anyone touches the funnel, the ads, or the pricing.

Timeline

5–7 business days

Access needed

Read-only — gateway + 3–6 months of transactions

Investment

€300 – €800

The leak

A client was paying 2.5% per transaction — here's what we found

A D2C brand we recently audited was processing the bulk of their volume on standard card interchange at 2.5% per transaction — even though SEPA Instant and Satispay were already live at their bank and available to integrate. The gap wasn't strategic. Nobody had gone back and switched the default on.

This is the most common finding across European D2C brands. The infrastructure to pay far less already exists — it simply hasn't been activated.

What we audit

Five steps, the client's own numbers

Pull the transaction data

Three to six months, broken down by payment method — card, SEPA Instant, wallets, BNPL.

Data pulled

Calculate the real blended cost

What the client is actually paying in processing fees today, per method, as a percentage of revenue.

Baseline set

Check what's switched on

Confirm whether faster, cheaper rails are technically available in the client's stack but never activated at checkout.

Gap found

Model the realistic shift

Project savings at a believable adoption curve — not 100% overnight, but what's achievable for this client's volume.

Savings modeled

Deliver the number and the path

One page: today's cost, the achievable cost, and exactly what implementing the switch requires.

Report sent

Deliverable

What the report looks like

Illustrative example from a recent client audit

Line item	Per month
Card-only processing cost — client paying 2.5% interchange	€2,200
Cost after SEPA Instant + Satispay integration	€620
Recoverable margin — returned to client	€1,580

Typical client recovery

1–2.5%

of processed volume returned as pure margin — zero change to the customer experience.

Request the Payment Audit at digibeeworks.com →

Read-only access only. No changes are made to the client's stack without sign-off.