Cards & Payments Analytics

B-Cephal offers a suite of applications to support management decisions in payment.

The solution allows to:

  • Screen all cost and revenue along the cards & payment value chain (gateway, domestic & internal payment platform, card schemes, processor, card manufacturers, internal services, ATM and POS devices,…).
  • Harmonize and compile data in a cube
  • Perform off-the-shelf analytics such as benchmarking, profitability review and performance analysis
  • Forecast costs & revenues
  • Design ad hoc reports & analytics

A non-invasive no code solution rapidly integrating data from multiple data sources – core systems, clearing and settlement, dispute cases, exception handling, supplier invoices (scheme, processor, manufacturer, counterparties,…) – to provide decision makers in payment with relevant business data

Function 1 : Gather data

  • Define product portfolio
  • Define analytics dimension (client segment, geography, organisation,,..)
  • Define operation value chain
  • Gather revenue and cost figures
  • Gather revenue and cost drivers

Function 2 : Allocate data

  • Allocate cost per product per step on the value chain
  • Calculate unit cost per product and per defined dimension

Function 3 : Do the analytics

  • Generate the product profitability tree articulating unit revenue, unit cost and drivers per product and per dimension
  • Perform sensibility analysis (‘what If’ analysis)
  • Benchmark

Server & client environment 

  • Require following components
    • ETL Server (Java)
    • Core B-Cephal server (Java)
    • TT module (Java)
    • B-Cephal client (.net)
  • Installation available on site or in SaaS mode

Technical DB

  • The default DB is PostgreSQL


  • Multi user 
    • Native authentication and log in function
    • Possibility to integrate corporate Single Sign On protocol
  • Archive and purge
    • Native archive function to schedule DB back-up
    • Native purge function to reduce DB size without impacting business operations

Merchant acquirer Case


ATM acquirer Case


BIN sponsor Case


See all modules

Clearing & Settlement Reconciliation

Payment & Invoice Reconciliation

Scheme Cost Analytics

ERP for Acquirers

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Do you need expertise in cards and payment? We will be glad to help

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