About
Caleres enterprise payment optimization
What can an enterprise retail payment audit uncover?
Caleres operates a complex retail payment environment spanning stores, ecommerce, multiple brands, providers and geographies. At that scale, small differences in pricing, qualification, reporting and provider terms can create material annual impact.
For retailers facing the same complexity today, Swipesum combines Swipesum Audit, Swipesum CPO, Enterprise RFPs & Payments Strategy, Cost Savings & Statement Audits and services such as Solution Due Diligence and Cost Reduction.
If you manage a large omnichannel payment environment and cannot clearly separate unavoidable network cost from negotiable provider economics, have Swipesum review your payment cost structure.
The challenge
Where payment cost hides in an omnichannel retail environment
The payment environment could not be evaluated as a single headline rate. Swipesum needed to separate interchange and other pass-through costs from controllable provider economics, compare channels and providers, and identify which opportunities were large enough to justify negotiation or operational change.
Fragmented payment stack
In-store and ecommerce payments operated across different providers, geographies, reporting systems, and commercial arrangements.
Fee opacity
Processor reporting made it difficult to distinguish unavoidable payment-network costs from provider fees and other negotiable economics.
Enterprise implementation risk
Any change had to account for existing POS systems, ecommerce, reconciliation, hardware, merchant IDs, and store operations.
Implementation
How enterprise payment auditing + strategy turn data into an actionable roadmap
Isolate controllable payment cost
Swipesum analyzed statements and provider economics at the fee-category level to distinguish unavoidable network expense from pricing, qualification and commercial terms that could actually be improved.
- Statement-level fee analysis
- Pass-through vs. controllable cost separation
- Enterprise commercial benchmarking
- Channel and provider comparison
Convert findings into provider strategy
The financial findings were converted into provider requests, contract strategy, testing considerations and an implementation roadmap designed around Caleres' existing retail operation.
- Provider negotiation and RFP strategy
- Location testing and migration planning
- Contract and solution due diligence
- Ongoing payment-cost auditing and oversight
