The Biggest Costs Are the Least Visible
Lower fees on paper can still mean higher costs in practice — outweighed by payment method cost, poor routing, FX leakage, and lower conversion.
The Challenge
Going global gets expensive when payments are treated as a checkbox instead of a cost lever
When merchants expand into new markets, payments are often treated as an operational detail rather than a margin lever. But in an enterprise IC++ context, processor fees can account for only about 10% of total payment costs — the remaining 90% typically sits in interchange and payment-method costs, fraud-related losses, and FX.
That’s why a lower processor markup doesn’t always translate into a lower total cost. A 5% reduction across that remaining 90% can have the same impact as a 45% discount on processor markup.
The more useful question is not simply whether you can accept payments in a market — it’s whether your stack is designed to improve payment method mix, limit FX leakage, and support stronger performance across the full flow of funds.
What You Will Learn
In 30 minutes, you will walk away with:
Chapter 1
Why Processor Markup Is Often the Wrong Place to Start
Why lower headline fees do not always mean lower total payment costs — and where merchants should look first to find bigger savings.
Chapter 2
Where Global Payment Stacks Actually Leak Margin
How cross-border fees, FX costs, local payment method gaps, failed payments, fraud, and refunds quietly erode performance as you scale.
Chapter 3
What Happens After You Collect the Payment
How businesses lose money in settlement and money movement — from hidden banking fees to FX markup and inefficient payout rails.
Chapter 4
A Before-and-After Look at Global Optimization
A practical expansion scenario showing how payment costs change when you move from a fragmented setup to a more market-ready stack.
Chapter 5
How to Balance Cost, Conversion, and Fraud
Why payment optimization is not just about cost cutting — and how leading teams manage the tradeoff between success rates, fraud controls, and total cost.
Why It Matters
Total cost — not headline fees — decides what global expansion really costs
Local Optimization Cuts Cost and Lifts Conversion
The right local acquiring, settlement structure, and payment method mix can improve approval rates while reducing unnecessary cost.
Efficiency Doesn’t Stop at Checkout
Collecting payment is only part of the equation. How funds are held, converted, and paid out has a material impact on overall margin.
Who This Is For
Built for senior payments, product, and finance leaders
This session is for companies expanding across markets or rethinking how their payment stack supports growth: Heads of Payments, VP/Directors of Product or Commerce, CFOs, and Finance Leaders. If you are preparing for market entry in LATAM, Southeast Asia, Europe, or any region where local payment behavior differs from your home market — this session is for you.
Head of PaymentsVP / Director of ProductCFOFinance Leaders
Your Speakers
Yuno Melissa PottengerVP, Partnerships, North America
Melissa Pottenger leads Partnerships for North America at Yuno, where she focuses on the partners that power Yuno’s global financial infrastructure. She brings almost two decades of payments experience across acquiring, orchestration, and enterprise strategy, with earlier roles at Visa, Worldpay, and Reach. Her current work centers on building and strengthening the partner ecosystem that extends Yuno’s coverage, performance, and reliability across markets.
About Yuno
Yuno is the AI-native intelligence system of global payments and financial services — the neutral layer the whole ecosystem runs on: every provider, every rail, every market.
Airwallex Surya NaraganiStaff Product Manager, Technical Programs
Surya Naragani is a Staff Product Manager at Airwallex leading the evolution of payment processing through machine learning and agentic commerce. He oversees multi-year roadmaps dedicated to payment optimization, ensuring merchants benefit from maximized success rates and minimized fraud. Surya’s work is currently focused on preparing the Airwallex ecosystem for the agent-led economy, while maintaining a strong foundation in core processing areas like cost estimation and dispute management.
About Airwallex
Airwallex is an AI native financial operating system for modern businesses. Trusted by 200,000 customers worldwide, Airwallex provides payment acceptance, billing, global accounts, corporate cards, spend management, and more – building the future of global banking for a borderless, real-time, intelligent economy.