Losing Money on Credit Card Fees?
Uncover savings and find hidden fees with our FREE Payment Processing Diagnostic. See exactly where you’re overpaying and get actionable insights to lower your costs
90%
of businesses do not qualify for the best rates
40%
potential reduction in credit card fees
100%
effort reduction
An Uneven Playing Field
Navigate the complex web of interchange rates, downgrades, and hidden charges that are silently draining your revenue
Unnecessary Complexity
- Proliferation of interchange programs, fees, rules, and rates that change multiple times per year
- Fees are communicated using abbreviations and codes that are non-intuitive, differ by processor and gateway, and require expert knowledge to translate
- Difficulty understanding who is charging the fee, what it is for, how to validate it, and what is negotiable vs. non-negotiable
- Inability for Merchants to understand the financial impact of dense rule changes communicated by the processors and gateways
Conflict of Interest
- Processors and gateways only focus on fee optimization when selling new business or during a renewal
- Processors and gateways are not incentivized help merchants optimize fees because they make money charging merchants to solve this problem for them
- Most processors charge 50% of any savings generated, instead of helping Merchants achieve 100% of the savings
- Seemingly arbitrary downgrades, and higher rates, are imposed by the Card Networks using unpublished data quality rules that can change at any time
Benign Neglect
- Processor / gateway reporting is limited or outdated
- Specialized knowledge required to interpret data
- Documentation is fragmented, dated, or difficult to obtain
- Understanding the documentation requires parsing thousands of pages and cross-referencing between multiple sources
- Creating in-house analysis is time-consuming, manual, and error-prone
Taken for Granted
- Limited services levels for Small and Medium-size Merchants
- High switching costs results in a lack of accountability
- Account reps lack knowledge and insights to resolve downgrades
- Long lead times to identify and engage the right team
- Vendors only engage when there is an opportunity to sell something
- No financial incentive for processors and gateways to proactively help Merchants achieve the best rate
Our Services
What you get with each of our offerings
Value Analysis
- Proactively identify and monitor the value and source of overpayment on credit fees
- Showcase performance to key stakeholders by tracking value captured and lost over time
- Negotiate better rates utilizing our detailed explanations of fees by source, reason, and
- Identify penalties and arbitrary markups by processors and card brands
- Identify trends in payment behaviors across key metrics such as card sales, cost of card acceptance, disputes, acceptance rates etc.
- View performance across card brands, card types, merchant IDs, and other attributes
- Estimate potential recovery from assessing a surcharge on transactions
Root-Cause Analysis
- Transaction-level analysis to identify the root-cause of downgrades
- Detailed interchange program analysis for Large Ticket, Business Tiers, Commercial / GSA, and Consumer cards
- Enhanced analysis of processing issues, such as invalid authorizations, transaction limits, time differences between authorization and settlement
- Additional attributes for analysis, such as Geography (dependent of processor data)
- Geographic analysis of Surcharge value capture and compliance
- Create accountability for issues between your ERP, eCommerce, Gateway, and Payment Processor
Pricing Plan
Start saving today
Savings Identification
Free
Step 1: Quantify the Problem
Includes
- Up to 3 months of statements
- Up to 5 MIDs
- Value Analysis Package
- 30 minute review
Business
$500
per month
For organizations with <$200M in annual credit card spend
Includes
- Merchant Statements
- Settlement Statements
- Up to 5 Merchant IDs
- Value Analysis Package
- Root-Cause Analysis Package
- Up to 2 Hours of Consulting
Enterprise
$900
per month
For organizations with >$200M in annual credit card spend
Includes
- Merchant Statements
- Settlement Statements
- Up to 500 Merchant IDs
- Value Analysis Report
- Root-Cause Analysis Report
- Up to 5 Hours of Consulting
Contact Us
Have questions? Drop us a note
About Us
The payments industry makes money through obfuscation and unnecessary complexity. By design, the rules and the goalposts change multiple times each year and merchants struggle to keep up. We decided that merchants needed an agnostic partner who can help them navigate this maze and be proactive reducing their cost of payment processing.
Our Team
Our team has over 90 years of combined payments industry and management consulting experience from Worldpay, ACI Worldwide, Deloitte, and others.
Our Goal
Enable merchants to achieve their optimal cost of payment processing by arming them with actionable information that is simple and easy to understand which enables them to hold all parties accountable.