Layer 04 · Private Matching + Execution
Eligibility first. Ranking second.
Every candidate acquirer is checked against nine hard filters — jurisdiction, MCC, role, volume, card geography, risk, settlement timing, currency, technical — before it is ever scored. Only eligible routes are ranked. The score blends economics with reserve, approval probability, capacity headroom, and settlement timing: the best route is not the cheapest route.
Region
European Union, United Kingdom
MCCs
Computer Software Stores · Computer Network / Information Services
CNP / CP
78% / 22%
Chargeback rate
0.38%
Passport
94% complete
Results for MERCHANT PORTFOLIO #MP-184
2 eligible of 6 candidate acquirers
Acquirer F ranks #1 at 257 bps — Acquirer A is cheaper at 167 bps but scores lower once approval probability, capacity headroom, and settlement timing are weighed in. This is the principle in practice.
1
Acquirer F
Top match
78.9
score
Est. Fee
257 bps
Est. Monthly Cost
$20,503
Reserve
2.2%
Settlement
T+1d
Economics52.2
Reserve89
Approval Probability93
Capacity78
Settlement Timing100
2
Acquirer A
Cheapest fee
77.6
score
Est. Fee
167 bps
Est. Monthly Cost
$13,303
Reserve
2.2%
Settlement
T+2d
Economics76.5
Reserve89
Approval Probability89
Capacity38
Settlement Timing88.9
4 ineligible candidates — reasons
Acquirer B
- Settlement timing 4d exceeds max acceptable 3d
Acquirer C
- No jurisdiction overlap (portfolio: EU/UK — acquirer: US/CA)
- Card geography mismatch — CNP-majority portfolio needs cross-border capable acquirer
- Settlement currency EUR not supported
Acquirer D
- No jurisdiction overlap (portfolio: EU/UK — acquirer: SG/HK/AU)
- Settlement currency EUR not supported
Acquirer E
- No jurisdiction overlap (portfolio: EU/UK — acquirer: AE/SA)
- MCC not accepted by this acquirer: 5734
- Acquirer is not currently accepting new volume
- Settlement timing 7d exceeds max acceptable 3d
- API integration required by portfolio, not offered by acquirer
Compatibility
Demand × supply matrix
Every merchant portfolio against every acquirer in one view. Click a row label to load its full results above. Hover a dash to see why a pair is ineligible.
| Demand \ Supply | Acq. A | Acq. B | Acq. C | Acq. D | Acq. E | Acq. F |
|---|---|---|---|---|---|---|
| 77.6 | — | — | — | — | 78.9 | |
| — | — | 79.8 | — | — | 80.6 | |
| — | 49.8 | — | — | — | — |