Online
Card-not-present · your PSP (Stripe, PayPal…)
PAYMENT INTELLIGENCE FOR BUSINESSES
Know what accepting payments
really costs your business.
CAMBRA analyses your online and in-store payment fees, compares them with similar businesses and shows where you may be overpaying.
For ecommerce businesses, retailers and omnichannel teams.
In-store terminal (TPV)
Card-present · your TPV / physical terminal
Full-business view
For ecommerce businesses, retailers and omnichannel teams.
WHAT CAMBRA DOES · How it works
See where your money goes.
Then keep more of it.
CAMBRA breaks the cost down in plain language.
Payment bills mix percentages, fixed fees, card costs and provider margin. CAMBRA puts them in one clear view and only flags a saving when the comparison is fair.
Your data
Start with your figures
Answer a few questions, connect read-only data or upload a statement. Your original figures remain visible.
Fair comparison
Compare like with like
CAMBRA compares your market, sales channel, provider product and business size with relevant available pricing.
Limits visible
Show what is certain
Every result says whether it is an estimate or measured from your data. If the evidence is weak, CAMBRA says so instead of inventing a number.
Step 01
Show us what you pay
Answer a few questions, connect your provider read-only or upload a recent statement.
Step 02
See where your margin goes
CAMBRA works out your real payment rate, shows what drives it and flags only opportunities the available evidence supports.
Step 03
Get that money back
If a lower cost is supported, CAMBRA helps you renegotiate or switch. You only pay a fee on positive savings that are verified.
EXAMPLE CAMBRA REPORT
See the cost.
See what you could keep.
CAMBRA turns payment statements into a plain-language margin report: what you pay now, what may be recoverable and how much would stay with your business.
- Annual card payments
- €5,000,000
- Current effective rate
- 2.70%
- Possible rate
- 1.70%
- Potential recovery
- €50,000/yr
Potential recovery · 24 months
€100,000
Your business keeps
€75,000
75%CAMBRA 25%
Your real report uses your own figures. Estimates remain labelled, and CAMBRA withholds a recommendation when the evidence is not strong enough.
Analyze my paymentsExample only
OUR INTELLIGENCE
Four layers of payment intelligence.
One evidence model.
Payment bills mix percentages, fixed fees, card costs and provider margin. CAMBRA puts them in one clear view and only flags a saving when the comparison is fair.
01
Merchant economics
Answer a few questions, connect read-only data or upload a statement. Your original figures remain visible.
02
Provider intelligence
Published products, eligibility and terms with source and freshness metadata.
03
Rate intelligence
CAMBRA compares your market, sales channel, provider product and business size with relevant available pricing.
04
Opportunity intelligence
Every result says whether it is an estimate or measured from your data. If the evidence is weak, CAMBRA says so instead of inventing a number.
TRUST & SECURITY
Your data is yours.
Always.
CAMBRA only requests the restricted data access required for the analysis. Nothing changes unless your business reviews and approves it.
01
Read-only connections
CAMBRA only requests the restricted data access required for the analysis.
02
No payment control
CAMBRA cannot charge customers, initiate payments, transfer funds or change providers.
03
Traceable results
Important findings stay linked to the information and assumptions behind them.
04
You stay in control
Nothing changes unless your business reviews and approves it.
Who it is for
For ecommerce businesses, retailers and omnichannel teams.
CAMBRA analyses your online and in-store payment fees, compares them with similar businesses and shows where you may be overpaying.
01
Online
Card-not-present · your PSP (Stripe, PayPal…)
02
In-store terminal (TPV)
Card-present · your TPV / physical terminal
03
Both
For ecommerce businesses, retailers and omnichannel teams.
Pricing
No upfront fees.
We win when you win.
No savings, no fee
No verified savings, no fee
We win when you do
No payment control
Analyze
Free
Analysis · Evidence-led
- Structured payment-cost inputs
- Optional read-only verification where supported
- Source-linked public pricing observations
- Evidence-labelled opportunity range
Most popular
Recover
25%
No savings, no fee · 24 months
No savings, no fee
- Comparison against evidence-matched observations
- Payments rate negotiation
- Savings verification & migration
- We win when you do
Availability and contractual terms depend on market and case review.
KEEP MORE OF EACH SALE
You worked for the sale.
Keep more of it.
Find out what getting paid really costs your business.
Your first analysis is free. You only pay if CAMBRA verifies positive savings.
Free first analysis•Your figures stay traceable•You approve every action•No savings, no fee