Debit Optimization

Powered by DOT (Debit Optimization Tool),
our in-house analytics software

With truly optimized debit routing arrangements, merchants can save millions of dollars a year on their payments acceptance budget. By leveraging the 2011 Durbin Amendment’s No Network Exclusivity clause – and resultant competitive tension between networks – to route debit transactions down the least-cost network, merchants can drive substantial cost reductions. However, this isn’t as straightforward as it may seem. 

While many card processors claim to offer optimal routing tools, these arrangements are often flawed. Some of the largest card processors own debit networks, with many choosing to route transactions down their own networks to benefit themselves. Processors may also have network incentives in place, and, as a result, may be using transactions to fulfill their quotas. 

 CMSPI analyzes merchants’ current debit routing arrangements and, using our in-house debit software, can create custom routing arrangements to best benefit our clients and their bottom lines. By engaging with your supply chain, we can support you to get the right arrangements in place for your business.

Don’t blindly trust your processor’s solution – audit your routing to ensure your costs are truly minimized. 


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Meet DOT…

Our in-house, proprietary Debit Optimization Tool (DOT) collects data from across all your relevant reporting, suppliers and brands and brings them in to one central hub – delivering essential insights into your true routing profile and financial incentives.  

By standardizing what is often very opaque and complex reporting, DOT allows our dedicated payments experts to track key debit metrics across multiple processors and ensure your routing incentives stay optimal – with no manual analysis and minimal internal merchant resource needed. With the help of DOT and our expert consultancy, you can not only increase financial returns: you can receive those returns quicker. 

Powered by our DOT engine, we support merchants to optimize their debit routing in 4 key areas:


Verify the networks that are available and how that ensures you can perform against your targets.


Monitor the largest transaction volumes and whether that is tracking against agreed thresholds.


Understand signature debit transaction volumes and monitor if there’s room for improvement.


Compare current arrangements against benchmarks with similar profiles in your industry.

I always say beware of the big check! Merchants commonly opt for a deal with one or two networks based on a large rebate payment, in return for priority routing. However, we often see that these somewhat attractive gross benefits leave merchants in a much less optimal net savings position. A more intelligent approach to least cost routing and incorporation of multiple structured network incentives can result in significant additional value, truly maximizing the opportunity available within debit.

Elley Frost - President

Make the most of your debit routing arrangements – keeping costs low and financial returns high – with CMSPI’s dedicated team of payments experts, powered by DOT.

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