GLOSSARY
Disagio
A fee withheld by a payment provider from each transaction, effectively reducing the payout.
A disagio is a discount rate or fee that a payment provider retains from each transaction before settling funds to the merchant. It is common in card acquiring and buy-now-pay-later products.
Merchants should model disagio when forecasting net revenue and comparing providers. Negotiating lower rates, steering volume to cheaper rails, or batching settlements can reduce the impact.
In the product
Where this term matters in operation.
The glossary is not meant to be academic. It explains the language teams use in Kotao while selling, planning, paying, reporting, and automating.
In sales
Terms like this appear inside POS, checkout, bookings, offers, and customer communication.
In back office
Finance, inventory, HR, and reporting need the same meaning so reports do not drift apart.
In integrations
APIs, imports, webhooks, and exports work better when teams use the same definitions.
Related terms.
Acquirer
Bank or payment institution that signs merchants and routes their card transactions into the card networks.
Apple Pay
Mobile wallet by Apple that tokenizes cards for contactless and in-app payments.
Card Fraud
Unauthorized card use or theft of credentials to initiate transactions.
Card Network
Payment network (e.g., Visa/Mastercard) that sets rules and routes card transactions between issuers and acquirers.