Harmonize
Unlock smarter solutions for payments strategy
Say goodbye to manual and tedious downloading and manipulation of data
Discover more efficient ways of managing payments with Harmonize PaaS (Platform as a Service). Harmonize, expands your internal capacity to analyze data, while eliminating the stress of collecting it.



Level Up your Payments Analysis
Eliminate hours and days of logging into various portals to download and manipulate data in Excel spreadsheets. Access data from all your payment vendors in ONE comprehensive platform. Months of IT integration, testing, and building a data warehouse, are gone – leaving you time to focus on deriving insights that improve your bottom line.



Dashboards
Access transaction-level analysis when you need it.
Reporting
Routinely track the performance indicators that keep you ahead.
Benchmarking
Leverage our proprietary database to uncover key metrics.
Notifications
Customize email notifications to stay on top of urgent matters that matter most to you.
Key Benefits
Distill the most valuable and timely KPIs in easy-to-understand dashboards and get insightful data in near real-time.
Identify Trends & Forecasts
Leverage historical data to perform trending analysis and forecasting for sales, transactions, and fees by MID, division, business unit, or the entire organization.
Analyze BINs
Uncover card metadata to explore root-cause of declines, fraud, evaluate alternative payment methods, identify least cost routing strategies, and negotiate with the credit and debit networks.
More
Our solution links the BIN- the first six (or eight) digits of a card number- to a global BIN file that can identify metadata about the card, such as issuing bank, country, type of card, PINless eligibility, eligible debit networks, etc.
Stay Informed
Daily, weekly, or monthly alerts for key metrics that affect your bottom line. For example, get an alert if your downgrades exceed 2% of total sales or the number of chargebacks goes over 20 in a single day or approval rates drop to 50%.
Improve Daily Reconciliation
Easily validate sales from your POS with settlement reporting, including daily emails and online dashboard alerts that give you the opportunity to verify sales, transactions, and fees by card brand, as well as deposit amounts.
Audit & Benchmark Network and Acquirer Fees
Easily validate whether the network fees you’re being charged align with published rates—and that you’re not being overbilled by your processor. Benchmark acquiring fees against similar-sized merchants and get guidance that can be used in your next negotiation. You can even set alerts for meeting volume commitments on acquiring and network incentives/performance thresholds.

Card metadata
Our solution links the BIN- the first six (or eight)digits of a card number- to a global BIN file that can identify metadata about the card, such as issuing bank, country, type of card, PINless eligibility.
Alerts
Example: Receive a notification if your downgrades exceed 2% of total sales or the number of chargebacks goes over 20 in a single day.
Roles & Permissions
User permissions can be configured to view a subset or all data.
Reliable Analytics
Analytics are refreshed daily for transaction-level data or monthly for aggregate data that are based on interchange qualification.
“The willingness of Optimized Payments to jump in and help us solve any problem or issues we are facing is really the greatest aspect of our relationship.”
Laura Woop, Tiffany & Co.