The use case library
Discover what's possible with AI across the payment lifecycle
The situations your finance and payments team already recognises — sorted by who feels them most. Whether you're a fast-growing brand, an enterprise, or a fintech platform, each use case names the tool that does the work and the agent behind it.
Chapter One
Ambitious Brands
You're scaling fast — new markets, new rails, more volume. What you need first is a payment operation that keeps up: one clean, trusted view of the data, and approvals and revenue that grow with you instead of slipping away as you scale.
Seeing exactly where the money goes before you scale it.
Challenge
You're growing fast, but the payment data is a patchwork — nobody can say cleanly how much is leaking, where, or what to fix first. So the business case never gets made and the problem compounds with every new market you add.
Solution
The Margin Leak Model runs your own GMV through the classification engine and models it into recoverable fees and approved-volume uplift, line by line, inside the diagnostic.
Result
A quantified, prioritised target — the findings justify the programme before the programme is proposed.
- recoverable fees per year, per $10Bn GMV
- $12M+
- recoverable fees per year, per $10Bn GMV
- approved-volume uplift per year
- $50M+
- approved-volume uplift per year
- every fee classified before diagnosis
- 3 buckets
- every fee classified before diagnosis
Tool used: Margin Leak Model · Powered by the data intelligence agent
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Scenarios and figures illustrative — drawn from prior engagements and the sizing used across this site, normalised per $10Bn GMV per annum.
The methodology
How we find the money
Classification first, then diagnosis. Every finding traces back to a line on your statement.
Our methodology
Every fee, sorted into three buckets
Before agents can explain a transaction, they classify it. Every fee on your statement resolves into one of three buckets — the foundation for everything downstream.
01
Transaction fee
The direct cost of moving the money — interchange, scheme assessment and processing fees tied to the transaction itself.
02
Behavioural fee
Cost driven by how the transaction behaved — declines, retries, chargebacks, fraud and risk surcharges. This bucket cuts both ways: every false decline is lost revenue, worth ~0.5% of processed volume.
03
Optional fee
Value-added services you've opted into — FX conversion, settlement currency, network tokens, reporting — audited for whether you use what you pay for.
Classification runs automatically on every transaction, before any diagnosis.
Cost of acceptance
Your cost of acceptance, per $100 of GMV
What you pay
~220 bps
blended MDR + FX
- · Interchange
- · Scheme fees
- · Acquirer margin
- · Gateway & tools
- · FX & settlement
What leaks silently
~78 bps
invisible on your statement
- · Unused optional fees
- · Chargebacks & fines
- · Avoidable downgrades
- · False declines
Recovered by the intelligence layer
5–20 bps
+ PV uplift from approvals
· Margin recovered with zero disruption to your payment stack
Relative sizes illustrative only · mix varies by market, card type and domestic vs cross-border.
Where Clariti moves the needle
MDR unbundling
Blended rates decomposed into interchange, scheme and acquirer margin — so you negotiate each line, not the blend.
FX & settlement currency
Cross-border corridors, DCC and currency-of-settlement choices — the biggest hidden line for SEA platforms.
Approval-rate recovery
Stale credentials, issuer connectivity, retry logic and over-tuned fraud rules — diagnosed per issuer, per market.
Every side of the table
We know payment economics — that's your leverage
We've run these P&Ls at schemes, acquirers and processors. When you can see the economics at every layer of the value chain, blended-rate conversations become itemised ones.
Revenue, per $100 of volume
100
Cost of delivering it
85
Margin — the line worth understanding
15
Relative sizes illustrative only · based on operating experience inside acquirers and schemes.
Negotiate line by line
Blended rates decomposed into interchange, scheme fees and margin — discuss each line on its own economics, not the blend.
Built by insiders
The same P&L models our team ran inside schemes, acquirers and processors now power your agents.
Benchmark every market
Payment economics vary widely across SEA corridors — know where your costs sit against the market, corridor by corridor.
Close the month in hours
Month-end shouldn't be a backlog saved up for the last week of it. Agents reconcile, recompute fees and clear exceptions continuously, so the close becomes a review rather than a rebuild — hours of sign-off instead of days of chasing, with every number traced back to the transaction behind it. Run the discovery to see which parts of your close compress first.