Most community banks are leaving $300K–$700K on the table in their card program — and don't know it. PDEX benchmarks your debit program against peer institutions and shows you exactly where the gap is, what it's worth, and what to do about it.
See the problems PDEX solves, review a sample benchmark report, and understand what's driving the revenue gap in most community bank card programs.
Four steps. No software to install. No integration required. We work with the standard reports your processor already generates.
Flat annual subscription based on asset size. See what's included at each tier and learn about the Founding Client Program.
PDEX operates as a registered ISO providing payment processing to businesses. Deep interchange expertise on both sides of the transaction.
We're currently working with a select group of institutions. Submit a request and we'll follow up within 2 business days. No commitment. No software to install.
Your processor tells you what happened. PDEX tells you whether it's good, how it compares to peer banks your size, and exactly what it's costing you. No software. No PII. No guesswork.
Your processor shows you your own numbers in isolation. PDEX shows you how you compare to banks your size — and puts a dollar figure on every gap.
PIN debit routing generates 0.56% vs. 1.01% on signature. Most banks don't know how much volume is routing the wrong way — or what it costs annually.
The average community bank has 18% wallet adoption vs. a peer average of 34%. Every non-wallet transaction is a missed signature route.
Overly tight fraud settings are declining legitimate transactions. That has a measurable dollar cost most programs never quantify.
Without peer benchmarks, you can't know whether a metric is a problem — or how large the opportunity is. That's exactly what PDEX provides.
| Metric | Your Program | Peer Average | Rank | Status |
|---|---|---|---|---|
| Blended Interchange Rate | 0.90% | 1.02% | ▼ Below Peers | |
| Mastercard Signature Rate | 1.01% | 1.01% | ● At Average | |
| Pulse / PIN Rate | 0.56% | 0.57% | ● At Average | |
| Wallet / Token Adoption | 18% | 34% | ▼ Below Peers | |
| Spend per Active Account | $1,113 | $1,287 | ▼ Below Peers | |
| Active Rate (Good Accounts) | 89.05% | 86.2% | ▲ Above Peers | |
| Transactions / Active Account | 23.5 | 21.8 | ▲ Above Peers |
Wallet transactions route as Mastercard signature (1.01%) rather than Pulse PIN (0.56%). Every cardholder who adopts wallet payment naturally shifts volume off PIN rails — improving interchange yield with no change to the card program.
This is one gap, in one program. A full PDEX analysis covers interchange, routing, approval rates, and spend per account across your entire portfolio.
PDEX never receives customer names, account numbers, or transaction-level detail. You share only aggregated program performance reports — the same summary data your team already reviews internally. No PII is ever transferred, stored, or required. This removes the compliance objection before the first conversation.
The difference between knowing your numbers and understanding them is experience. PDEX was built by someone who has processed real transactions and lived inside interchange economics.
20+ years of interchange economics, network routing strategy, and ISO operations. Deep card program knowledge that most analytics firms don't have — because they've never processed a transaction.
PDEX works exclusively with aggregated performance data. This removes the compliance team's primary objection before the first conversation. No integration risk. No data governance issue.
Your processor shows you your own numbers. We show you how your program compares to similarly sized community banks — so you know whether you have a problem and exactly how large it is.
Every identified gap comes with a prioritized playbook — specific tactics, estimated revenue impact, and clear next steps your team can act on immediately. Not a deck. A plan.
PDEX is not owned by a processor, a network, or a bank. That independence means our analysis is objective. We work with Jack Henry, FIS, Fiserv, or any other processor's standard reports.
You export the reports your team already reviews. We do the analysis. No IT project. No onboarding timeline. No implementation risk. Results within days of engagement.
We work exclusively with the standard reports your processor already generates. No integration. No IT project. No new software. You export, we analyze, you get a ranked playbook — typically within a week of your first report submission.
Export your standard debit program reports from your processor's reporting portal and send them to PDEX. These are the same summary reports your team already reviews internally — no customer data, no PII, no transaction-level detail is ever needed or requested.
We clean and normalize your data, then compare your metrics against a peer group of similarly sized community banks. You see exactly where you rank across interchange yield, wallet adoption, spend per account, and more — with full peer context, not just your own numbers.
Every below-peer metric gets a dollar estimate — what the gap is costing you annually, based on your actual program volume and peer network data. We quantify the opportunity precisely, so your team can prioritize what to act on first.
Each identified gap comes with a prioritized action playbook — specific tactics drawn from what peer banks have done to close it, with estimated revenue impact and clear next steps. Your team decides what to act on. We don't manage your card program. We give you the intelligence to run it better.
PDEX never receives customer names, account numbers, or transaction-level detail. You share only the aggregated performance reports your team already reviews — the same data your processor provides in their standard reporting portal. No IT project. No compliance review. No data governance issue.
Flat annual subscription based on asset size. No setup fees. No per-report charges. No contracts beyond the annual term. Every tier includes the full suite of peer benchmarking, yield analysis, and action playbooks.
PDEX is priced to return a multiple of its cost. The fee typically represents 10–25 cents on every dollar of recoverable interchange revenue we identify — meaning the bank keeps 75–90 cents of every dollar found. One invoice per year. No setup fees. No per-report charges.
Your subscription starts from day one — no onboarding or implementation charges. We begin analysis as soon as you send your first program reports.
We work with standard reports your processor already generates. No integration, no API access, no IT project. Export and send — that's it.
Jack Henry, FIS, Fiserv, or any other core processor. We normalize whatever format your reports come in — no vendor coordination required.
One invoice per year. Simple budgeting with no monthly surprises. No per-report charges. No usage fees. Flat rate based on asset size.
PDEX operates as a registered ISO, providing reliable payment processing to businesses across industries. Our interchange expertise means every merchant relationship is built on operator-level knowledge.
PDEX operates as a registered Independent Sales Organization (ISO), providing reliable payment processing to businesses across industries. Our ISO background and deep interchange expertise mean merchant clients benefit from the same operator-level knowledge that drives our bank intelligence platform.
We understand what it costs to accept a transaction — not from a spreadsheet, but from 20+ years of processing real volume across networks, merchant categories, and card types.
Registered ISO with 20+ years of experience. We understand interchange economics from the ground up — not from a spreadsheet. That depth benefits every merchant relationship we manage.
Full card acceptance across Visa, Mastercard, Discover, and Amex networks.
Modern POS hardware and software for retail, restaurant, and service businesses.
Secure online payment gateways for your existing platform or custom storefront.
Accept payments anywhere with mobile card readers and contactless technology.
Electronic check and ACH processing for recurring billing and B2B payments.
Interchange-informed rate review to ensure you're not overpaying on processing fees.
We're currently accepting a limited number of new institutions. The Founding Client Program is capped at 15 banks. If you manage a community or regional bank debit portfolio, request your confidential analysis now — there's no cost and no commitment to the initial review.
We review each request and follow up within 2 business days. No commitment required. No software to install. No PII needed at any stage.
For questions about the PDEX platform, benchmark methodology, or engagement model:
info@pdex.com
For merchant services inquiries — payment processing, POS, or rate analysis:
info@pdex.com
Early partners who commit to a 2-year term receive preferred pricing. Mention the Founding Client Program in your request.
* Required fields. Submissions go directly to info@pdex.com.
No commitment. No software to install. We follow up within 2 business days.