Operations — Today's Activity
Total Processed Payments
ANG 1.84M
↑ 12% vs same day last week · 14,211 txns
Total Withdrawals
ANG 412K
2,304 ATM withdrawals · avg ANG 178
International Payments
8,917
62.7% of volume · ↑ high season
Decline Rate
2.1%
↓ 0.3pts vs 7-day avg · 298 declines
Payments by Card Type & Wallet
ANG 1.84M
Payments by Merchant Category
Tourism-led
Card Declines — Today
298 Total
Insufficient Funds
12742.6%
Suspected Fraud
5418.1%
Expired Card
3812.8%
Incorrect PIN
3110.4%
Issuer Unavailable
268.7%
Limit Exceeded / Other
227.4%
Today's Arrivals — Curaçao
High Season
14
✈ Flights Today
2
🛳 Cruise Ships
Carnival Horizon
Mega Pier · departs 23:00
07:00
~4,200 pax
MSC Seaside
Mathey Wharf · departs 18:00
08:30
~5,100 pax
AA 1422 — Miami
American Airlines · HATO
12:40
~180 pax
KL 735 — Amsterdam
KLM · HATO
14:15
~290 pax
JB 1631 — New York JFK
JetBlue · HATO
13:55
~160 pax
+ 11 more flights
Avianca, Copa, Divi Divi, WestJet, Wingo…
~1,400 pax
June 2026 — Holidays CW & USA
2 This Month
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Juneteenth (US)
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Curaçao
USA
Juneteenth — US banks closed
Fri 19 Jun
Curaçao Flag Day — local holiday
Thu 2 Jul
Independence Day (US) — expect ↑ tourist spend
Sat 4 Jul
Curaçao Day (Dia di Pais Kòrsou)
Sat 10 Oct
Finance — Revenue, Margin & Risk
International Payments — MDR Breakdown
8,917 Intl Txns
| Region / Scheme | Txns | Volume | Avg MDR | MDR Revenue |
|---|---|---|---|---|
| USA — Visa/MC | 5,204 | ANG 689K | 2.45% | ANG 16,881 |
| USA — Amex | 298 | ANG 96K | 3.20% | ANG 3,072 |
| Netherlands / EU | 1,842 | ANG 214K | 1.85% | ANG 3,959 |
| Canada | 684 | ANG 88K | 2.40% | ANG 2,112 |
| South America | 512 | ANG 61K | 2.65% | ANG 1,617 |
| Other International | 377 | ANG 47K | 2.80% | ANG 1,316 |
| Total International | 8,917 | ANG 1.20M | 2.42% avg | ANG 28,957 |
MDR Revenue by Month
ANG Thousands
Peak season
Current month
MDR Collected vs Scheme Fees — Net Margin
Margin Watch
MDR Collected (ANG k)
Scheme Fees Paid
Net Margin — 38.4% avg, compressing 0.6pts YoY
Chargeback Ratio & Dispute Outcomes
0.31% — Safe Zone
Chargeback ratio (% of txns)
Disputes won: 64% · Net impact 12M: ANG −214K
Settlement & Recon Lag
HealthyT+1.2
Avg days to settled funds · ANG 84K unreconciled >48h (↓ from 312K)
FX Exposure — USD Settlement
Growing58%
Volume settling in USD · ↑ from 51% — treasury hedging review advised
Revenue Concentration
WatchTop 10 = 41%
Of MDR revenue · ↑ from 36% — largest merchant now 9.2% alone
Monthly Figures — Detail
ANG · Trailing 12M
| Month | Payments | Withdrawals | Txn Count | Intl % | MDR Rev | Declines | MoM Δ |
|---|---|---|---|---|---|---|---|
| Jul 2025 | 42.1M | 9.8M | 318,204 | 54% | 682K | 2.9% | −3.2% |
| Aug 2025 | 40.3M | 9.2M | 305,118 | 52% | 651K | 2.8% | −4.3% |
| Sep 2025 | 38.6M | 8.9M | 292,441 | 50% | 612K | 2.7% | −4.2% |
| Oct 2025 | 43.4M | 10.1M | 327,902 | 56% | 734K | 2.6% | +12.4% |
| Nov 2025 | 49.7M | 11.4M | 371,556 | 63% | 891K | 2.5% | +14.5% |
| Dec 2025 | 61.2M | 13.8M | 449,873 | 70% | 1,116K | 2.4% | +23.1% |
| Jan 2026 | 59.8M | 13.2M | 438,204 | 71% | 1,148K | 2.3% | −2.3% |
| Feb 2026 | 52.4M | 11.9M | 389,667 | 66% | 967K | 2.3% | −12.4% |
| Mar 2026 | 47.2M | 10.8M | 355,108 | 61% | 854K | 2.2% | −9.9% |
| Apr 2026 | 44.0M | 10.2M | 332,415 | 58% | 776K | 2.2% | −6.8% |
| May 2026 | 45.8M | 10.5M | 344,820 | 59% | 812K | 2.1% | +4.1% |
| Jun 2026 * | 54.6M | 12.1M | 402,330 | 63% | 938K | 2.1% | +19.2% |
* June figures are month-to-date, projected to month end
Platform — Capacity, Latency & Reliability
Peak TPS vs Tested Capacity Headroom
68% of Capacity
<60% capacity
>60% — plan scaling before Dec 2026 peak
Authorisation Response Time — p95 / p99
p99 Creeping
Median 48ms
p95 134ms
p99 — investigate before peak season
Timeout & Stand-in Rate
Stable0.14%
Of auths falling to stand-in · brief spike Mar (issuer outage)
EOD Batch Duration
Creeping3h 42m
↑ from 2h 58m · window closes at 5h — capacity action needed FY27
Fraud Decline Accuracy
Improving81%
Of fraud declines confirmed fraud · false positives ↓ 19% → 14%
Executive — Growth & Unit Economics
Total Volume (12M)
ANG 547M
↑ 9.4% vs prior 12 months
Best Month
ANG 61.2M
December 2025 — holiday peak
MDR Revenue (12M)
ANG 9.8M
↑ 11.2% — intl mix growing
Avg Decline Rate
2.3%
↓ improving from 2.8% (FY25)
Monthly Processed Volume — Payments vs Withdrawals
ANG Millions
Processed Payments
ATM Withdrawals
* June month-to-date, projected
Payment Mix Trend — Wallet Adoption
% of Volume
Visa
Mastercard
Apple Pay
Google Pay
Cost per Transaction
↓ 11% YoY
Total opex ÷ txn count — fixed costs spread thinner as volume grows
Seasonality-Adjusted Growth — YoY by Month
True Growth +9.4%
Same-month YoY growth — strips out seasonality for honest comparison
Decline Rate Trend
Improving2.1%
June MTD · down from 2.9% in Jul 2025
Intl Payment Share
Seasonal62.7%
Peaks 71% in Dec–Jan high season
Avg Transaction Value
StableANG 129
Range ANG 118–142 over 12 months
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