Harmonize Analytics

THE SYSTEM OF RECORD FOR PAYMENTS PERFORMANCE

Own payments with confidence—because you finally have a single, continuously updated source of truth for payments results.

Harmonize Analytics turns fragmented PSP data into executive-ready dashboards your team can trust—with AI-generated explanations for KPIs, charts, and tables that help users quickly turn visual analysis into deck-ready and email-ready narrative—so Payments Owners can explain outcomes, defend decisions, and lead change.

Not payment processing. Not authorization decisioning. Harmonize analyzes the results across your providers and channels and makes them visible, explainable, and actionable.

Harmonize is the platform: a unified, enriched system of record for payments results. Analytics and Data Exchange are two channels for consuming the same source of truth.

Alt text: Dashboard showing key performance metrics for credit card processing, including approval rates and transaction statistics from Optimized Payments, enhancing insights into payment efficiency.
Alt text: Dashboard showing key performance metrics for credit card processing, including approval rates and transaction statistics from Optimized Payments, enhancing insights into payment efficiency.

Payments decisions are hard when the truth is scattered.

Payments teams are expected to deliver measurable outcomes—lower cost, better performance, fewer disputes—yet the data needed to make those decisions is fragmented across processors, gateways, networks, and internal systems.

Q

Too many sources, no shared truth. Different teams report different numbers.

Q

Urgency without prioritization. Lots of “issues,” not enough clarity on impact.

Q

Manual work for every answer. Spreadsheets, reconciliations, static BI pulls, and one-off analyses slow decisions and weaken confidence.

Q

Hard to prove impact. Even when a change is implemented, telling the “before → after” story requires more effort than the change itself.

Harmonize Analytics breaks that cycle by making the data trustworthy, the answers self-serve, and the story defensible. 

A unified view across the payments lifecycle

Built for teaching, storytelling, and deep research.

Harmonize Analytics gives your team a consistent set of dashboards and drilldowns across cost, performance, disputes, and reconciliation—so you can move from “we think” to “we know.” 

Overview Dashboard

Executive visibility across the full payments lifecycle

A single view of sales, authorizations, fees, refunds, and disputes—so leadership can see what’s happening and where to focus.

Dashboard overview from Optimized Payments displaying key metrics like transactions, effective rate, and total fees to help businesses manage credit card processing fees efficiently.

Authorizations Dashboard

Understand performance shifts—and where the lift is

See where approvals change and where declines concentrate (issuer, provider, card type, geography). Identify root causes and quantify opportunity before you act.

Dashboard displaying key performance indicators for credit card processing, highlighting approval rates and transaction data. Optimized Payments helps reduce credit card processing fees effectively.

Sales Dashboard

Connect revenue flow to payment outcomes

Understand how gross sales becomes net revenue across approvals, refunds, chargebacks, and adjustments—so you can protect revenue and prioritize fixes.

Dashboard displaying sales metrics and trends from Optimized Payments, highlighting credit card processing fees, authorization rates, and transaction data for effective payment optimization.

Fees Dashboard

Know exactly what you pay—and why

Break down fees into interchange, network, and acquirer components to expose drivers, track changes over time, and negotiate with data-backed confidence.

Dashboard displaying sales metrics from Optimized Payments, showcasing transaction data, refund rates, and credit card processing fees for enhanced financial insights.

Disputes Dashboard

Turn disputes into signals you can act on

Monitor dispute rates, reason codes, win/loss trends, and financial impact—with segmentation that helps you isolate drivers and communicate a plan.

Dashboard displaying key performance indicators for dispute rates, helping businesses optimize credit card processing fees with actionable insights from Optimized Payments.

Built-in credibility: save views, schedule subscriptions, export reports, and capture screenshots to document “before facts” and “after results” for internal momentum.
“Explain This Chart” adds another layer of communication speed by generating a plain-English readout from a KPI, chart, or table that teams can copy into decks, emails, and status updates.

Two Ways To Consume Harmonize

Analytics is one channel. Data Exchange is the other.

Harmonize Analytics: dashboards, drilldowns, and executive storytelling

Harmonize Data Exchange: governed datasets delivered into BI tools and internal systems (ideal for reconciliation and enterprise reporting)

Embedded experts, without dependency

Harmonize Analytics isn’t just dashboards. It’s a guided experience designed to turn insight into execution.

Included with Harmonize

Structured onboarding path to measurable success

Office hours + periodic check-ins

Quarterly Business Reviews (QBRs) to validate progress and prioritize what’s next

Network updates and insights to inform decisions and timing

Two professionals collaborate on a laptop, exploring solutions for optimizing credit card processing fees with Optimized Payments. A notebook is visible, emphasizing strategic planning.
Dashboard displaying credit card processing metrics from Optimized Payments, including authorization rates, transaction counts, and average sales, to help analyze and reduce processing fees.

Purpose-built for Payments Owners

And the teams that support them.

One trusted view of payments results — standardize authorizations, fees, settlements, disputes, and benchmarks into a consistent, defensible source of truth.

Self-serve analysis without BI bottlenecks — drill by provider, issuer, geography, card type, MID, and more—without waiting on custom reports.

Benchmarking that strengthens negotiation — compare performance and cost across PSPs/providers to support routing strategy and commercial discussions.

Proactive signals, not dashboard babysitting — surface meaningful shifts and anomalies so teams can investigate faster. AI-assisted chart explanations — generate a readable summary from a KPI, chart, or table to accelerate executive updates, internal alignment, and follow-up communication.

Enterprise-grade governance — SSO, MFA, role-based access, auditability, and controls designed for complex organizations.

Dashboard displaying sales metrics from Optimized Payments, showcasing transaction data, refund rates, and credit card processing fees for enhanced financial insights.

Trusted by payments teams that operate at enterprise scale

Apple
Staples
Priceline
NBA
U-Haul
AT&T
USPS
Albertsons
RaceTrac
Sephora
Charter Communications
CommonSpirit
NFL
Verizon
Sprouts Farmers Market
Wayfair
Tiffany & Co.
Labcorp
Starbucks
McAfee

Not dashboards alone. Not consultants alone.

A system of record—backed by embedded experts—so Payments Owners can lead with confidence.