MDR ENGINE

    Calculate and manage the MDR of every transaction, in real time

    Merchant Discount Rate calculation engine configurable by merchant, BIN, payment method and country. Interchange++, tiered pricing or flat rate — all from a single API.

    PRICING ENGINE

    Dynamic pricing for every transaction

    Configure pricing rules by merchant, BIN range, payment method, currency or country. The engine calculates MDR in real time before each authorization.

    CALCULO DE ENVIO

    TRANSACCIÓN ENTRANTE

    $

    .00 MXN

    VISA CRÉDITO · BIN 411111 · MERCHANT: COFFE CO.

    Interchange (1.65%)$40.43
    Scheme Fee (0.12%)$2.94
    Acquirer markup (0.72%)$17.64
    MDR Total (2.49%)$61.01
    REVENUE

    MDR COBRADO

    $184.320

    +8.2%

    MARGEN NETO

    $52.890

    +12.1%

    TRANSACCIONES

    78.432

    +6.4%

    TICKET PROMEDIO

    $234.90

    +2.1%

    Interchange66%
    Scheme Fees5%
    Tu margen29%
    <50msReal-time calculation
    100%API configurable
    18Countries supported
    PCI L1Compliance included
    WHO IS IT FOR

    Intelligent pricing for every business model

    Acquiring banks

    Configure interchange++ by BIN range, merchant category and card type. Full margin visibility on every transaction.

      PSPs and gateways

      Offer differentiated pricing by merchant with automatic rules. Flat rate, tiered or blended — API configurable.

        PayFacs and aggregators

        Automatic MDR split between sub-merchants with independent settlements and per-tenant reports.

          Fintechs and neobanks

          Launch payment acceptance products with competitive pricing and transparent margins from day one.

            PRICING MODELS

            Three models. One API.

            Choose the pricing model that best fits your business. Configurable by merchant, category or payment method — no code changes.

            Modelos de pricing MDR con Interchange++, Flat Rate y Tiered

            FULL VISIBILITY

            Know exactly how much you earn on every transaction

            Complete breakdown of interchange, scheme fees and your net margin. In real time, by merchant, by BIN and by payment method.

            Dashboard de visibilidad de margen MDR con desglose de interchange y scheme fees
            WHY AKUA

            Pricing infrastructure, without the complexity

            Native Interchange++

            Access real interchange breakdown by BIN range. No estimates, with Visa and Mastercard data.

              Multi-currency

              Calculate MDR in the merchant's local currency with automatic cross-border rate conversion.

                Per-merchant rules

                Each merchant can have their own pricing. Configurable by volume, MCC category or commercial agreement.

                  API-first

                  Query the MDR before authorizing. Simulation endpoint to quote fees in real time.

                    Complete audit trail

                    Every pricing change is recorded with timestamp, user and reason. Compliance-ready.

                      Automatic reconciliation

                      Calculated MDR is reconciled against settled funds. Detects discrepancies to the penny.

                        The pricing engine that maximizes your profitability

                        Calculate, configure and optimize the MDR of every transaction with full margin visibility.