International Candy Manufacturer

International Candy Manufacturer Achieves Significant Reductions in Payment Processing Costs

A leading international candy manufacturer and distributor operates a national network of retail stores supported by a large manufacturing and distribution business. The company processes more than 50,000 transactions annually and generates over $43 million in revenue across both business lines. Its retail operations operate in a card-present, business-to-consumer environment, while its distribution business serves a business-to-business customer base with high-value invoice payments.

As the company expanded, increased transaction volumes and complex payment flows created inefficiencies and elevated costs within its payments environment. The organization sought to better understand its processing structure, identify unnecessary fees, and ensure that its payments infrastructure could continue to scale efficiently.

Challenge

The company’s payments landscape was highly fragmented across multiple merchant processors, each with distinct fee structures and pricing methodologies. This variability created difficulty in understanding true processing costs and resulted in frequent inconsistencies across business lines.

The retail business faced elevated merchant fees, driven by varied interchange categories, network costs, and card-present transaction pricing. Meanwhile, the manufacturing distribution business managed a separate set of challenges, including high processing costs for large inbound commercial card payments, many associated with six-figure invoices. The organization needed clear visibility into these cost drivers and a strategy to reduce fees without disrupting operational workflows.

The client sought an expert partner capable of conducting a unified analysis across both its B2C and B2B environments, with the goal of identifying inefficiencies, lowering fees, and establishing a sustainable structure for long-term cost management.

Solution

Redbridge conducted a detailed assessment of the client’s retail and distribution payments environments, analyzing fee structures, interchange categories, network charges, and transaction-level pricing. This evaluation produced a clear view of existing costs and highlighted opportunities to address inconsistencies across processors and payment channels.

Redbridge recommended a set of targeted optimization measures aimed at reducing processing costs. This included restructuring interchange categories, optimizing network fee arrangements, and ensuring more favorable pricing for large commercial card transactions within the B2B environment. Redbridge also provided a qualification strategy designed to improve the client’s interchange positioning for high-value card payments.

Redbridge supported the company through implementation, guiding the adjustments required to align pricing structures across its payment processors and ensuring the recommended optimizations were incorporated into ongoing operations.

Results

Processing costs reduced across B2C and B2B operations

The engagement delivered meaningful savings by aligning the client’s payment pricing structures with competitive benchmarks and removing inefficiencies that had accumulated across its processors.

Average 10 percent reduction per transaction for high-value commercial card payments

A focused interchange qualification strategy created measurable improvements for inbound B2B transactions, particularly in cases where invoice totals regularly exceeded six figures.

Consistent and transparent fee structures established across all processors

The engagement led to standardization of pricing and improved clarity across retail and distribution environments, making ongoing financial management simpler and more predictable.

Improved long-term control over payments costs

The client gained a sustainable framework for monitoring and managing processing fees, allowing it to maintain efficiency as transaction volumes continue to grow.