Make Sense of Disparate Payment Data and Reduce Costs

Leverage Payments Data for Key Insights and Savings

Analytics
  • Centralize – consolidate all of your card payments vendors data in one place.
  • Normalize – automate, standardize, and enhance raw payments data.
  • Analyze – perform near-real-time analysis on payments KPIs, reconciliation, interchange management, chargebacks, and more.
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Insights

Gain valuable and actionable insights through our web-based dashboards, automated e-mail alerts, consulting recommendations, and ongoing support.

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Savings

Generate ongoing cost savings through interchange optimization, network and processor negotiations, least-cost routing strategies, chargeback management and alternative payment methods.

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Our Services

KPIs
Sample Company

Optimized Analytics

Card payments have become increasingly complex and costly. Swipe fees are becoming one of the top five operating costs for merchants. Over 95% of Fortune 2000 companies are using Excel to analyze payments, but it’s not enough. To truly help rein in expenses and identify cost-savings areas, you need a more advanced tool.

Optimized Analytics is a cloud-based, automated solution used by many Fortune 2000 companies to deeply evaluate their payment data. Our proprietary technology helps reveal key metrics and cost-saving opportunities to pursue, as well as streamlines back-office operations.

Benefits of Optimized Analytics:

  • Fast implementation – see analytics within days of onboarding
  • Actionable alerts and insights that have an immediate impact on payment health
  • Customized dashboards that provide KPIs, interchange fees, downgrades, chargebacks, period-over-period variance analysis, and much more
Data Sources

Optimized Analytics is processor agnostic and can consume data from any vendor –  First Data, Chase, Worldpay, Elavon, Discover, Amex, PayPal, private label, gift card, ACH, etc.

Data Frequency

Analytics are updated daily for transaction-level data or monthly for aggregate data that’s based on interchange qualification.

Access

Analytics updated daily by 9 am ET with previous day’s data. Dashboards are available 24/7/365,  and user permissions can be configured to view subset or all data.

Client Centric

Merchants with dozens, hundreds, or thousands of MIDs can customize their account hierarchy so data can be analyzed based on meaningful rollups like regions, divisions, business units, brands, countries, etc.

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Optimized Consulting

Interdependency between intermediaries like POS vendors, banks, and fraud solution providers creates significant complexity in the card payments ecosystem. Any payment change requires an experienced and thoughtful approach.

Optimized Payments has over 12 years of experience in the payments space, complete with a track record of 200+ successful engagements where we’ve helped clients realize optimal results quickly.

We can help you with:

  • Interchange optimization and downgrade management
  • Processor, card network and debit network fee benchmarking & negotiations
  • Interchange and processor fee audits
  • Payments strategy
  • RFP management
  • Least-cost debit routing strategies
Experienced

Most of our consultants have 15+ years of industry experience and have helped on many of our 200+ engagements.

Independent

We have unbiased advisors and partners that maintain no affiliation with any processors, gateways, or networks. 100% of our revenue comes from our clients.

Results

We have generated over $200M in savings to date and helped merchants increase their knowledge of the payments space.

ROI

In most cases, the cost of our consulting service pays for itself within a few months of engagement.

consulting

Optimized Strategy/RFPs

Consider the evolution in payments, omni-channel sales and service, and technology. Think about alternative payment methods, industry consolidation, and the rising cost of payments. All of these factors present merchants with the challenges of updating their infrastructure, selecting the right partners, and accurately positioning their organizations for success.

Optimized Payments provides targeted advisement to help you tailor your payment strategy and select the right partners through merchant services RFIs/RFPs.

Benefits of Optimized Strategy/RFPs

  • Merchant Services RFIs/RFPs
  • Evaluation of gateway, security, and payment terminal solutions
  • Acceptance of mobile wallets & alternative payments
  • Global expansion or consolidation of payment providers
  • Evaluation of omni-channel & endless-aisle solutions
Experienced

We’ve managed over 35 merchant services RFPs and have contacts at all major acquirers, gateways, and technology/security solution providers.

Independent

Our unbiased advisors and partners are loved by our clients and respected by vendors in the marketplace due to our fair, honest, and thorough approach.

Results

We typically complete strategy projects and RFPs within two to four months. Our clients are able to make informed decisions and meet their project goals faster – while saving time and money.

ROI

Our consulting fees are typically paid for within a few months from the time saved by clients and the value created through optimal products, pricing, and service-level commitments.

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Optimized Chargebacks

Do you log into multiple portals to manage chargeback representments, and track chargeback statistics in Excel? It is difficult to stay current on constantly changing chargeback rules and know best practices to represent a chargeback? Are you ever late in responding to chargebacks? If you answered ‘yes’ to any of these questions, our Optimized Chargebacks solution is for you. Here are some of the benefits:

Benefits of Optimized Chargebacks

  • Single self-service portal to consolidate and respond to chargebacks and inquiries daily from ALL of your payment vendors
  • On-screen expert guidance to build the best representment based on reason code
  • Prioritize and assign disputes, ensuring cases don’t expire or get neglected
  • Continually updated to ensure compliance with all card brand rules
  • Enhanced reporting – get win/loss rate data by user, reason code, time period, business unit…basically, any metric housed in our database
Experienced

Platform developed over 10+ years of fighting chargebacks. This experience is embedded in customized workflows and templates based on reason codes.

Efficient

Reduce the number of online portals and Excel spreadsheets when representing and tracking chargebacks. Our portal not only consolidates chargebacks from all payment vendors, it also electronically submits representments on your behalf…all without leaving our portal.

Results

Merchants see an average lift of 20% in win rates by using our portal.

ROI

Our solution pays for itself within weeks. If you not completely and absolutely satisfied by the value of Optimized Chargebacks, you can cancel your agreement at any time.

Money Saved

Sales Analyzed

Transactions Analyzed

Testimonials & Case Studies

Current and Past Clients

Recent Articles

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    Tide Platform Limited, a UK based FinTech company provides its expertise in mobile-first banking services for small and medium-sized enterprises signed a multi-million-dollar contract with MasterCard. The announcement of this contract was on the basis of further enhancing its SME services. The purpose of strengthening the Tide-MasterCard relationship is the fact that Tide is now

    July 24, 2020
  • Optimized Payments Hires New Chief Data Scientist

    Optimized Payments, a leading payments consulting and analytics firm, has hired Fei Hou as its first chief data scientist. The new role represents the company’s commitment to extracting more relevant and timely insights from data so clients can make informed decisions. Technical expertise is Hou’s strong suit. He’s honed knowledge across coding languages like Python

    July 24, 2020
  • BigCommerce Expands Support for Adyen to Improve Merchant Checkout Experience Globally

    A privately held technology company that provides a SaaS eCommerce platform called BigCommerce has rolled out a new integration with global payments platform with Adyen, giving more than 60,000 merchants access to an all-in-one payment solution. With the help of this new integration, merchants will now be able to offer payment options locally and through

    July 23, 2020
  • Rapyd Launches All-In-One Payment Integrated Solution in Mexico

    Rapyd, a global Fintech company, announces the launch of their new integrated local payment solution in Mexico, allowing local and global companies access to every local payment method through one convenient API, contract, and reconciliation service. This means diversifying payment methods for customers and allowing them to accept every local payment method like cash, bank

    July 22, 2020

Resources

Blog

We post relevant content regularly so check back often to see our latest posts and articles.

Industry Resources

Access our collection of payment organizations and websites that will help you better understand, navigate, and network in the payments industry.

White Papers

Check out white papers on Managing Your Cost of Electronic Payments and Interchange Optimization.  Check back often to see which new topics we are covering.

Glossary

Use the glossary to understand the terminology in the payments industry.

Get in Touch

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