Use DMAIC to calculate and explain blended payment cost by driver rather than by one average rate.
Payment cost rose from 2.63% to 2.86% while volume grew 4%. The CFO needs to know whether pricing changed or behavior changed. DMAIC: Define, Measure, Analyze, Improve, Control. The novice move is to report one blended rate and stop. That creates a number but no controllable driver. Define Define the decision: explain the 23-basis-point cost increase and identify controllable drivers. A clear decision prevents the analysis from becoming an invoice tour. The CFO needs cause and action, not every fee line. Measure Use total payment cost / processed volume, with refunds, chargebacks, assessments, and processor markup consistently included. Inconsistent numerator…
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