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

  • EU banks to take on Visa, MasterCard with new payments system

    Multiple major league banks in Germany, France, and other European countries plan on fully digitalizing the payments industry from traditional cash payments by 2022. The European Union policy makers and central banks have recently decided to take on US payments companies, VISA and MasterCard and other tech giants such as Alipay and Google. The European

    July 7, 2020
  • Wirecard and the Curious Case of the Missing $2 billion

    As COVID-19 worsens financial crisis in Europe, Wirecard, a global FinTech company based in Germany filed for insolvency after losing over $12 billion in market value after EY audit reports showed insufficient evidence of $2 billion in profit earned over a decade. Wirecard, a German payment processor and financial services provider, with over 20 years

    June 26, 2020
  • VISA and TerraPay Partner Drive Real-Time Payments Interoperability

    A global payments infrastructure company, TerraPay, and Visa announce a strategic partnership to work together to drive real-time digital remittances, interoperability, financial inclusion and drive adoption of cashless payments. Partnerships have played a vital role in Visa’s growth strategy as their collaboration with TerraPay will help boost interoperable financial services and products to push much

    June 24, 2020
  • The Credit-Card Fees Merchants Hate, Banks Love and Consumers Pay

    Cash is becoming a less preferred method of payment due to an increased dependability on credit cards, apps, and online shopping, especially during the pandemic. With the use of non-cash payments, comes increased costs for merchants in the form of high interchange fees. Interchange fees are paid to the card issuing bank and can be

    June 23, 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

Send us an email and we’ll set up a time to connect with you and your business.