Data Insights

Date: 2026-02-18 · Duration: 70.41000366210938 min Organizer: Nader Attendees: Nader, Ahmad, Mike, Martin

Summary

• Income and Expense Framework: Revised approach to estimate agent net income using identified partial income sources and simplified reporting.
• AVS Fee Challenges: Distinction between AVS income and fees remains unclear; recommended exploring historical data for accurate estimations.
• Commission Calculation Method: Focus on estimating commission margin, with a formula of volume times 15 basis points minus expenses.
• Card Type Classification: Using BIN numbers for card identification; some transaction tables lack accurate debit/credit data.
• Minuscule Fees Exclusion: Agreed to exclude insignificant fees like monitoring and setup costs from commission calculations to streamline processes.
• Variance Assessment Approach: Identified sources of variance in commission calculations; will use historical data for more accurate estimations.

Action Items

• Ahmadreza Abdoli Update partial expense and income calculations with provided gateway Schedule A and equipment documentation when received (08:11) Estimate AVS fees by calculating historical AVS transactions as a percentage of total transactions and apply to current month projections (46:12) Calculate transaction income and commissions using qualified discount rates times volume minus transaction and agent expenses; check accuracy by comparing with residual reports (29:48) Use BIN number mapping and/or API to determine card types (debit/credit) for PIN debit income calculation (56:30) Perform estimation ignoring minuscule or unclear fee categories and quantify resulting variance/error between simplified and actual agent net values (01:08:40)

Michael Wright Assist in verifying AVS transaction data availability on Luqra platform and provide insights on income and expense calculation nuances (20:25) Provide clarification on how to interpret transaction income, AVS income, and agent expenses to enable accurate commission computations (23:38) Support verification of merchant-specific commission calculations using residual report comparisons (37:25) Suggest ignoring or estimating minor fee income categories that complicate the commission model without significant impact (01:01:38)

Nader Atrchin Monitor calculation variance and assist in defining thresholds for ignoring minor income/expense categories in commission modeling (21:39) Propose incorporating BIN lookup mapping functionally instead of relying solely on ingested card type data (56:30)