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Bankhawk

The technology platform of Bankhawk

HawkIQ, one independent commercial view of your payment landscape.

HawkIQ independently verifies what payments cost, how providers bill and where performance differs, then keeps checking as your estate changes.

HawkIQVerifying

Providers monitored

24

Charges verified

128,400

Variances flagged

37

Flagged cost by category

41%Scheme fees
  • Scheme fee pass-through41%
  • Card acquiring26%
  • FX margin19%
  • Gateway & other14%

Reconciliation status

Ranked variances feed the executive register, verified against contracted terms each billing cycle.

Illustrative interface

01

Independent verification

Checks what payments cost against the terms actually agreed, pricing schedules, activity and provider statements, not the provider's own reporting.

02

One commercial view

Brings scattered sources, providers, acquirers, gateways and finance reporting, into a single, reconciled commercial picture.

03

Continuous, not periodic

Same expertise as an advisory engagement, but always on. Findings are ranked by commercial significance so leaders know what to act on first.

How HawkIQ works

From raw billing data to a ranked list of actions.

  1. 01 · Inputs

    Your billing data

    • Acquirer and processor statements
    • Interchange and scheme fee detail
    • Contracted pricing schedules

  2. 02 · Engine

    Independent verification

    • Charges reconciled to agreed terms
    • Scheme fee pass-through checked
    • Variances detected as billing changes

  3. 03 · Outputs

    Decisions, not data

    • Prioritised variance register
    • Recovery and renegotiation actions
    • Executive view for finance leaders

The Evidence Ledger

Illustrative
  • What the contract says
    Pricing schedule sets a fixed margin over interchange.
    What the bill shows
    Statement applies a higher margin on a share of transactions.
    Recommended remedy
    Raise a billing query, seek recovery of the difference and fix the margin at renewal.
Select a finding to see the evidence trail: contract, bill, benchmark, then a ranked remedy.

Bankhawk

Look back

A point-in-time review of historical statements and contracts, led by advisers, ending in an executive debrief.

HawkIQ

Always on

Continuous verification as new billing arrives, so variances surface between reviews, renewals and negotiations.

HawkIQ

Bankhawk is the expertise. HawkIQ is the technology.

HawkIQ is Bankhawk's always-on payments intelligence platform. It independently verifies payment costs and performance, giving finance teams continuous visibility between reviews, renewals and negotiations.

Visit hawkiq.com

Explore the platform, see how it works and discover where value could be hiding in your payments.