Transform Your Payment Data Into Profits

Stop Missing Out On the Savings Hidden In Every Transaction

Small inefficiencies could be costing your company millions. Our payment analytics platform goes beyond visuals – we deliver insights you can act on and results you can measure. Gain a 360-degree view of your payment ecosystem and unlock deeper insights across authorizations, settlements, chargebacks, and fees— all in one place.

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Payment Analytics Solution trusted by more than 700 Merchants and Payment Facilitators.

Alt text: Overview dashboard from Optimized Payments displaying key metrics like total fees, effective rate, and approval rate for optimizing credit card processing fees.

Dashboard view from Optimized Payments displaying declined credit card transactions, sales data, and decline rates, helping analyze credit card processing fees effectively.

Dashboard visualization displaying credit card processing metrics, such as approval rate and transaction trends, showcasing Optimized Payments' tools to lower credit card processing fees effectively.

Dashboard displaying declined credit card transactions statistics with scheduled export options, showcasing Optimized Payments' solutions for reducing credit card processing fees.

Detailed analytics dashboard from Optimized Payments, showcasing average sales data and associated credit card processing fees analysis for enhanced payment efficiency.

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What Makes Harmonize Analytics Different?

Accessible for All Teams

Analytics shouldn’t be restricted to data scientists. Whether you’re reviewing approvals, analyzing fees, or digging into disputes – Harmonize makes analysis easy for everyone.

Strategic Expertise & Guidance

Our consultants leverage over 18 years of problem-solving experience in payments strategy and execution to help you navigate complex challenges and optimize performance.

AI That Surfaces What Matters

Our AI-assisted “Explain This Chart” features helps interpret what you’re seeing, detecting trends, outliers, and changes in chart patterns.

Insights You Can Act On

Our powerful dashboards move you beyond passive charts, guiding your team to take action where it counts.

Reporting, Your Way

Create custom reports using the metrics that matter most to your business—making it easy to share clear, actionable insights with colleagues and stakeholders.

Smarter Alerts, Less Noise

Set custom, automated alerts for detecting anomalies in your data and enhance your ability to monitor your data effectively,.

See How Harmonize Analytics Compares

Harmonize (Optimized Payments)

Payment Analytics Competitor

Interchange Optimization Expertise

N Deep analytics + savings execution

M Analytics-only platform

PSP Connectivity

30+ PSPs including Adyen, Stripe, Chase, Fiserv, Amex, Discover

Limited to top few PSPs

Full-Service Consulting

N Audit, roadmap, implementation support

Savings Execution/ Gainshare Model

N Gainshare tied to realized savings

Custom Dashboards & Reporting

N Tailored dashboards per client needs

 Limited customization

Chargeback Analytics

N Integrated Harmonize Disputes module

 Limited/Not available

Real-Time Cost Tracking

N Net effective rate, interchange drift, etc.

Custom Merchant ID Hierarchy Categorization

N Infinitely configurable

Downgrade Reason Code Tracking

Dispute Management Interface and Integrations

Configurable Alerts

N More Expansive - we include interchange

 Limited/Not Available

“With additional insight through the analytics provided by Optimized Payments, we have improved our ability to understand our customers that supports other strategic decisions that are tied directly toward organizational goals.”

Laura Woop Sr. Director, Tiffany & Company

“Our card processing costs kept going up and we felt we had no way to control them. We turned to Optimized Payments and they helped us reduce card processing costs by 21%.”

Diana Borova Chief Administrative Officer, Burr Pilger Mayer

“Now, we use Optimized Analytics to track key metrics, identify savings opportunities and track savings on the initiatives we have implemented. Given the quick ROI, Optimized Payments was an easy choice.”

John Willman Treasurer & VP of Mortgage Services, Westgate Resorts

What to Consider When Choosing a Payment Analytics Tool

Can My Team Explore the Data Easily?

Your tool should make it easy to explore your data from multiple angles—without needing a data science degree. Flexible tools let you drill into the details and pivot as your business needs evolve.

Do We Need Guidance or Just a Dashboard?

The right tool doesn’t just visualize data—it helps you act on it. Look for a provider that offers expert guidance, not just software. Whether it’s interpreting trends, identifying outliers, or recommending changes, support should go beyond troubleshooting.

Is It Easy for Everyone to Understand?

Dashboards should tell a clear story. A good analytics platform simplifies complex data into intuitive charts and summaries so that teams across finance, payments, and operations can make confident decisions—fast.

Can I Spot Issues in Real Time?

You should be able to respond quickly to issues like rising decline rates, fraud spikes, or sudden fee increases—before they hurt your bottom line.

Transform Your Payments Data Into Profits

Too many teams are stuck staring at dashboards with no clear path forward. Our platform transforms your payment data into actionable insights, backed by expert support to help you reduce costs and improve performance.

Find Savings Opportunities with Dashboards That Drive Action and Experts Who Guide the Way.

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Your data could be holding millions in savings. Let’s explore what’s possible.