With Bicycle, Billtrust analyzes settlement behavior in real time to catch interchange issues early and act before they reach customers, at scale.
Bicycle AI gives us real-time visibility into settlement performance that we simply didn't have before. We can spot issues early, understand why they're happening, and take action before they impact our customers.
A leading American fintech for B2B accounts receivable.
Billtrust's payments team processes tens of thousands of B2B card transactions every day, representing hundreds of millions of dollars in daily settlement value. At that scale, even small shifts in settlement and interchange rates materially change customer outcomes.
Settlement and interchange rates vary across card networks, transaction attributes, and data completeness, making consistent optimization increasingly complex.
Changes in merchant configurations, new accounts, or evolving card-network rules could lead to sub-optimal settlement rates before issues were clearly understood.
With tens of thousands of transactions per day, identifying which merchants or settlement patterns needed attention, and why, became difficult.
The team needed to analyze settlement behavior continuously, surface emerging issues early, and prioritize actions based on financial impact.
Billtrust deployed Bicycle to continuously analyze payment settlement data and deliver prioritized intelligence to the Payments Programs team, without disrupting existing payment systems.
Bicycle analyzes every transaction daily to detect anomalies in settlement and interchange rates as soon as they emerge.
Identifies which merchants are experiencing non-optimal settlement rates and quantifies the associated financial impact.
Highlights unusual settlement patterns, such as unexpected rate increases or undesirable interchange codes, and explains what changed and why.
Automated alerts surface prioritized settlement issues, so teams can act quickly and confidently.
Implemented in a few weeks on existing payment data, with insights delivered through customized email alerts and supporting dashboards.
Payment complexity, turned into clarity, control, and confidence.
Billtrust stays ahead of settlement issues instead of chasing them.
Early detection of sub-optimal settlement rates helps prevent avoidable costs before they accumulate.
Settlement data is continuously analyzed and contextualized, sharply reducing the time to identify and understand issues.
Automated anomaly detection and prioritization cut repetitive analysis, so teams focus on the highest-impact problems.
Teams engage customers proactively with clear explanations and guidance, strengthening trust and credibility.
Bring one revenue-critical KPI. We'll show how Bicycle detects the movement, explains the cause, and recommends the next step.