A framework for disciplined payments.

tessera engagements are guided by the 4+2+2 framework. It’s proprietary, discreet, and grounded in payments expertise.

Our framework focuses on the areas where nonprofit income is most at risk, stabilizing recurring contributions, improving revenue generation, reducing processing fees and preparing for change.

  • Recurring donation stability
    Recurring income is exposed when cards expire or accounts change. We apply methods that keep contributions active and reduce unnecessary attrition.

    Authorization uplift
    Even valid payments are declined when transaction data is incomplete or misaligned. We improve approval rates so more is captured.

    MCC accuracy
    The way a nonprofit is classified by networks determines the fees it pays. Correct coding ensures access to preferential rates and prevents unnecessary cost.

    Fee line review
    Processor statements often contain markups and surcharges that are difficult to detect. We identify these costs and return transparency to the organization.

  • Refund and chargeback control
    Disputes and reversals take a direct toll on revenue. We benchmark performance against sector norms and uncover where policies or processes can reduce exposure.

    Cross-border and FX efficiency
    International donations are often eroded by conversion costs and hidden spreads. We review how cross-border gifts are routed and where efficiency can be restored.

  • Low-cost nudging
    Large gifts are increasingly suited to bank transfer or open banking rails. We help organizations prepare for these shifts and reduce reliance on costly card transactions.

    Method mix optimization
    Donors expect to give through cards, wallets, and emerging methods. We guide nonprofits on which options to prioritize to support conversion and retention.

The 4+2+2 framework is proprietary.

The levers are transparent; the methods are not.

Tessera applies this structure with discretion, ensuring outcomes that are auditable, measurable, and lasting.