Independent payments intelligence and verification
One independent commercial viewof your payment landscape.
HawkIQ independently verifies what payments cost, how providers bill and where performance differs - then keeps checking as your estate changes.
- Not provider reporting
- Not another BI project
- No change to how payments process
- Same expertise as an advisory engagement, but always on
The problem
Enterprise payment datararely lives in one place.
Each source reports differently, and nothing reconciles across them.
- PSP A
- PSP B
- Acquirer
- Gateway
- Market: UK
- Market: EU
- Market: US
- Finance reporting
The commercial consequence
Limited visibility is nota neutral position.
Cost leakage
Goes unnoticed because nothing independently checks it.
Billing discrepancies
Difficult to validate against what was agreed.
Provider leverage
Negotiations run on the provider's numbers, not your own.
Missed prioritisation
Performance issues are hard to rank by commercial significance.
From data to decision
A question becomes evidence.
How a finding moves from scattered reporting to something a finance leader can act on.
HAWKIQ · INVESTIGATION
Illustrative HawkIQ investigation
Active in this example
- PSP A
- Acquirer
- Market: EU
- Finance reporting
Other estate sources
- PSP B
- Gateway
- Market: UK
- Market: US
Illustrative sources only — not an integration list.
Commercial question
Why did payment cost increase?
Signal
Unusual fee pattern detected
Provider A · Cross-border transactions
Verification
Checked against the agreed terms
Expected termsPricing schedule
Cross-border fee as set out in the agreed pricing schedule.
Billed chargesFlaggedProvider A statement
Cross-border fee applied on the provider's settlement statement.
Supporting transactionsTransaction records
Cross-border transactions settled in the same period.
Billed charges do not align with the agreed terms for the underlying activity.
Evidence
Evidence assembled
Terms and underlying activity connected to the finding.
- Pricing schedule
- Provider A statement
- Transaction records
- Settlement period
Priority
Commercial review recommended
Ranked by commercial significance.
- 01Cross-border fee application — Provider A (this investigation)
- 02Authorisation decline pattern — Market: EU
- 03Scheme fee categorisation — Provider B
Continuous check
The finding is rechecked after action, and the verified position carries into contract reviews and provider renewals as evidence you own.
Illustrative HawkIQ interface
Illustrative HawkIQ interface — verified findings held in one place, so cost, billing and performance evidence is ready for governance reviews and provider negotiations.
Intelligence to outcomes
Data in. Decisions out.
Cost
See what payments actually cost across providers, markets and currencies.
Financial control
Recovery
A 1% improvement in acceptance rate returns £1m per £100m in payment volume.
Most declines are soft and recoverable, not genuine risk declines.
Recoverable revenue
Risk
Chargeback and scheme threshold exposure builds slowly and hits suddenly. Continuous monitoring keeps you ahead of it.
Exposure control
Contract and negotiation
Independent benchmarks turn PSP renewals from guesswork into leverage. Renewals argued on your evidence, not the provider's numbers.
Commercial leverage
By role
What changes for your team.
CFO
Cannot verify what payments cost across the estate on a consistent basis.
On a cost finding: approves a provider review with the evidence already attached.
Head of Payments
Cannot separate soft, recoverable declines from genuine risk declines.
On a decline pattern: retargets authorisation rules in the affected market.
Risk and Treasury
Cannot see chargeback and scheme threshold exposure building over time.
On a threshold trend: acts before a breach becomes a penalty.
Procurement
Cannot test provider pricing against anything independent at renewal.
On a benchmark finding: enters renewal with a costed negotiating position.
Historical recovery
Start with what you've already lost.
A one-off lookback into past transactions often surfaces immediate recoverable revenue, before any ongoing engagement begins.
Start a historical lookbackWhy now
Complexity is increasing.Visibility has not kept pace.
More providers, more markets, more currencies - while the commercial view of payments is still assembled by hand.
2007
Payments specialists since 2007.
HawkIQ is a product of Bankhawk, the specialist payments advisory firm.
- Independent by design
- Works from your data and applicable commercial terms
- Outside the transaction flow
- No change to how payments process
- Findings shown with supporting evidence
Two ways to start.
An introductory conversation about ongoing verification, or a one-off lookback into past transactions to see what is recoverable now.