Owning payments means managing revenue, cost, and risk across fragmented systems—with no unified source of truth. Harmonize unifies and enriches payments results across your providers and channels, so your team can move from “we think” to “we know,” and prove impact over time.
Authorization Outcomes
Turn approval performance into revenue. See approval rates, issuer behavior, and processor performance in one place—so you can diagnose what’s changing before it impacts revenue.
What Harmonize enables
Monitor approvals/declines trends and pinpoint shifts by provider, issuer BIN, or segment
Identify underperforming acquirers or emerging decline patterns
Prioritize actions with evidence instead of assumptions
AI detects emerging decline patterns and flags anomalies before they impact revenue
Value delivered
Improve approval rates
Identify processor performance gaps
Convert declines into revenue opportunities
Best Consumed Via
Harmonize Analytics
Fees and Cost of Acceptance
Bring transparency to your payments cost structure. Understand where costs originate across interchange, network, and acquirer fees—then track drivers and trends over time.
What Harmonize enables
Break down effective rate and cost drivers (including downgrades)
Spot fee leakage and pricing inefficiencies
Strengthen negotiation leverage with processors and networks
Value delivered
Identify hidden fee leakage
Improve effective processing rates
Strengthen negotiation leverage with acquirers & networks
Best Consumed Via
Harmonize Analytics
Dispute Outcomes
Protect revenue and reduce chargeback risk. See dispute drivers, exposure, and recovery performance clearly—so you can act early and avoid compliance issues.
What Harmonize enables
Track dispute rates, disputed sales, and recovery performance
Analyze drivers by card brand, payment method, processor, and other segments
Monitor network thresholds and exposure over time
Value delivered
Monitor network dispute thresholds
Reduce chargeback exposure
Protect revenue and brand reputation
Best Consumed Via
Harmonize Analytics
Reconciliation and Reporting Efficiency
Standardized payments data delivered back to your systems. When you need Harmonize’s source of truth inside your BI tools and internal systems, Data Exchange provides standardized datasets ready for reconciliation and reporting.
What Harmonize enables
Normalize authorization, settlement, chargeback, and fee data across PSPs
Deliver structured datasets to BI, ERP, and internal warehouses
Support reconciliation, finance operations, and internal reporting without building custom pipelines
Value delivered
Accelerate reconciliation and finance ops
Enable internal analytics initiatives faster
Reduce manual variance hunting and fragile data workflows
Best Consumed Via
Harmonize Data Exchange
AI-Ready Payments Data
Make every AI investment more efficient. When your team uses enterprise AI tools to analyze payments, Harmonize ensures the data is already standardized, enriched, and governed — so models spend compute on analysis, not data preparation.
What Harmonize enables
Deliver standardized, governed payments datasets directly to enterprise AI and LLM workflows
Eliminate repetitive data preparation that inflates token usage and AI compute costs
Provide pre-aggregated KPI-ready tables alongside transaction-level detail — so AI tools get the right level of data for each question
Value delivered
Reduce AI compute costs by eliminating redundant data preparation
Get faster, more accurate answers from AI tools working against trusted data
Build AI workflows on a governed foundation that scales across use cases
Best Consumed Via
Harmonize Data Exchange
Proven impact across enterprise payments
“I feel like an expert!”
