Payment data is vital for the functioning of several teams and is not just the purview of Finance teams anymore. With digital commerce going mainstream, product and operations teams need real-time access and visibility too. In fact, they are the ones orchestrating the flow of payments while finance manages the flow of payments.
However, in reality, silos do exist where all the 3 functions are not in sync. These can lead to a host of problems from simple operational errors to ballooned up figures in errors which can make reconciliation a nightmare.
Leaving these silos as they are can lead to loss of revenue, long reconciliation cycles, redundant efforts and build a culture of blame game across functions. This is a sure shot recipe for disaster and businesses need to change this as early as they can.
mobiquity® One unlocks the hidden power of payment data, by turning siloed information into unified insights that fuel smarter decisions across functions. It also plays a key role in faster PSP onboarding, real-time rerouting, and cost savings without delays due to developer dependency.
The Problem: Payments Are a Blind Spot for Most Teams
Due to the reliance on multiple PSPs, financial institutions (banks) and payment modes/channels, many businesses are caught in a slurry of data. Each branch has its own data and dashboards. These data streams rarely converge, often failing to present a coherent and complete picture which helps everyone get on the same page.
The consequences of this fragmentation are real and costly:
- Finance teams struggle with reconciliation and spotting settlement mismatches, risking revenue leakage.
- Product teams lack real-time insights to improve the checkout experience or optimize routing.
- Operations teams are having to constantly firefight PSP downtimes, latency issues, or spikes in payment failures.
It puts all functions on the back foot and sets up the entire organization to function reactively rather than stay ahead of problems before they can happen.
Apart from this, addition of new PSPs and gateways as the entire process is development-heavy, delaying rollouts by weeks or months.
“You can’t optimize what you can’t see – and you can’t scale what you can’t control.“
Why Payment Data Matters Across Finance, Product, and Ops
Given how each function is tightly interdependent in today’s digital-first businesses, payment data needs to be synced in real-time across functions.
Payment data is not just technical or restricted to a single particular function anymore. It is relevant to multiple stakeholders and functions. Analyzing this data gives practical insights that can drive critical business decisions and pivots that might be strategically advantageous.
When payment data is shared across teams in real-time, it becomes a strategic growth driver.
Let us take a look at how mobiquity® One can help solve function-specific challenges with its capabilities to defragment payment data across the organization.
For Finance Teams
Challenges:
- Settlement data scattered across PSPs and banks.
- Time-consuming & resource-heavy manual reconciliation.
- Limited visibility into where revenue is leaking.
- Inability to differentiate the severity levels of MDRs.
How mobiquity® One Solves It:
- Unified Settlement View: Brings all PSP and bank data into a single, reconciled dashboard.
- Automated Matching: Eliminates hours of manual reconciliation work.
- Clear Performance Metrics: See revenue impact of payment success rates, PSP costs, and method performance instantly.
- Rate Negotiation Advantage: Consolidated transaction data makes it easier to negotiate better MDR rates with PSPs.
For Product Teams
Challenges:
- Lack of real-time success/failure data to guide UX optimization.
- Checkout drop-offs due to slow or unreliable PSP performance.
- Weeks of dev time needed to integrate a new PSP or payment method.
How mobiquity® One Solves It:
- Real-Time Routing & Instant Failover: Automatically shifts transactions to the best-performing PSP in milliseconds with no manual intervention.
- Data-Driven UX Decisions: Identify friction points by payment method, geography, or issuer and refine checkout flows.
- Rapid PSP Onboarding: Add multiple PSPs or methods without code changes. Integrations are handled by mobiquity® One orchestration layer.
- Future-Proof Scalability: As new PSPs or methods enter the market, onboard them instantly without derailing the dev roadmap.
For Operations Teams
Challenges:
- Delayed awareness of PSP outages or latency issues.
- Fragmented PSP monitoring tools.
- Lack of a central point to manage and optimize PSP mix.
How mobiquity® One Solves It:
- Unified Control Tower: Single dashboard for PSP health, latency, and uptime monitoring.
- Real-Time Alerts & Rerouting: Detects PSP degradation instantly and reroutes traffic automatically thereby ensuring zero disruption to customers.
- Centralized PSP Management: Manage all PSP connections, rules, and configurations in one place.
- Simplified Scaling: Expanding into new geographies? Operations can connect a new PSP in hours, without relying on development cycles.
The Game-Changing Advantage: Real-Time Routing + Instant PSP Onboarding
One of mobiquity® One’s biggest differentiators is real-time routing combined with instant PSP onboarding:
- Adaptive and always-on Routing: Payments are directed to the best available PSP based on specific criteria that includes – success rates, fees, performance at that point in time. It also gathers PSP performance so that businesses can decide which ones to prioritize. It also gives them leverage to negotiate rates based on performance.
- Zero Manual Intervention – Since the platform decides and executes in milliseconds, it does not involve any manual intervention. Plus, this data is accessible to all functions and eliminates the chance of attributing problems to specific functions.
- No-code PSP onboarding – With the ability to quickly add new PSPs without developer dependency, businesses can experiment and learn faster without impacting the regular flow of operations. This also means they can pivot faster with new PSPs and differentiate themselves without disrupting day-to-day, business-critical activities.
This combination means:
- Finance teams negotiate from a position of strength with PSPs with performance data that they can use as leverage.
- Product teams can rapidly expand payment offerings without slowing releases.
- Operations teams can keep payments running smoothly in any condition.
- Drives cross-functional collaboration rather than dependencies.
Business Impact: Why Unified Insights Matter
When finance, product, and ops work from one shared source of payment truth, the impact is immediate and measurable.
Improved Collaboration:
Teams can collaborate better with a unified view of payment data. This saves significant resolution time and effort.
Room for Innovation:
The ability to experiment with new PSPs without disrupting operations gives room for product teams to innovate and build new experiences for end users.
Revenue Growth:
Improved success rates and real-time failover prevent transaction losses and boost conversions.
Faster Optimization:
Teams can refine routing, UX, and PSP configurations based on actual, live data. This sets up a loop of continuous optimization which is critical to constantly improving the end user experience.
Arresting Leakage:
The ability to identify leaky buckets faster helps address them quickly. What could have taken days now would take just hours.
Reduced Risk:
Finance gains faster detection of anomalies and discrepancies, protecting revenue.
Rapid Market Expansion:
Adding new PSPs or payment methods is no longer a multi-week development effort, but just a simple configuration change.
Real-World Scenarios of Unified Payment Insights in Action for eCommerce & banking
eCommerce:
An eCommerce platform can leverage unified insights to track transaction failures, slice-and-dice it by mode and region. For instance, if UPI payments are failing just for a particular region during peak hours, the scope of the problem gets narrowed down. This allows timely intervention from both product and operations teams to intervene, rather than just looking at it as a problem which only finance should care about.
By partnering with new PSPs or by expanding the pool of payment options to consumers for those hours, they can reduce cart abandonment to the tune of 20%.
Banking:
A bank that sees a steady decline in the usage of debit card by Gen Z users, can leverage payments data insights to offer new modes such as Buy Now Pay Later or digital wallets. It can either launch its own wallet or partner with BNPL providers.
This paves the way for product innovation and staying relevant during times when user preferences see major changes.
The Bottomline: Unified Payments Insights Are Key Value Drivers
Unified payment insights are not just transactional data summary specific to any particular function. It is a treasure trove of data that holds the key to the future.
When finance, product, and ops collaborate around a single, real-time payment intelligence layer, businesses move from reactive firefighting to proactive scaling.
This helps them unlock new business opportunities and achieve competitive differentiation, while driving seamless collaboration between functions.
Talk to our experts about your organization’s challenges and let us help you derive value out of cohesive collaboration between your product, operations and finance teams.
