Predict · Pricing Intelligence™ + Qualification Intelligence™
What is Northstar really paying — and what's recoverable?
Pricing Intelligence™
What does this merchant truly pay?
Stated fieldDiscount Rate 2.91%
Classified pricing modelInterchange-plus97% confidence
Effective-rate decomposition
Interchange (pass-through)~2.35%
Assessments (pass-through)~0.14%
Processor markup0.29% + $0.10
True all-in cost~2.94%
FindingThe stated 2.91% understates the real cost — the per-item and markup layers push it to ~2.94% all-in.
Reasoning categories: field classification · rate decomposition · statement corroboration.
Merchant Processing Agreement — v3Schedule A — 2025Processor Statement — Jun 2026
Evidence and reasoning categories only — the classification logic and rate tables are not shown.
Qualification Intelligence™
What is recoverable?
Current qualification88.2% of eligible volume at optimal interchange
Best attainable95.6%
Root cause43% of eligible commercial-card transactions are missing Level II data.
Estimated annual opportunity~$18,43194% confidence
Reasoning categories: transaction-level qualification · downgrade attribution · eligibility check.
Processor Statement — Jun 2026Interchange qualification reference
The qualification rules and downgrade thresholds are never exposed — only the categories of reasoning.
Predicted outcome
Northstar pays ~2.94% all-in and is leaving ~$18,431 / year on the table — recoverable by completing Level II data on commercial-card transactions. Next: what to do about it.
The walkthrough continues
The next beats — Recommend, Approve, Execute, Reconcile, Learn — are being built.
Observe ✓ · Predict ✓ · Recommend · Approve · Execute · Reconcile · Learn