Your current rates might be costing you millions
New PSPs often mean how much are you losing?
How confident are you that your PSP is providing you with the best interchange rates? Our consultants and platform can uncover hidden fees, identify inefficiencies, and negotiate better rates—helping you maximize savings.
Over 700 companies use Optimized Payments to prevent revenue loss from hidden fees.
Transform Your Payments Data into Profit
Distill the most valuable and timely KPIs in easy-to-understand dashboards that simplify and optimize insights to drive revenue growth.
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.
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.
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%.
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.
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.
Payment Analytics Software for Merchants: How Payment Optimization Helped 7 Merchants Grow
Merchants are beginning to recognize that their payments data is more than just a record of transactions—but a treasure trove of insights waiting to be unlocked. By shifting their mindset and viewing ...
Merchants are beginning to recognize that their payments data is more than just a record of transactions—but a treasure trove of insights waiting to be unlocked. By shifting their mindset and viewing ...
Payment Analytics Software for Merchants: How Payment Optimization Helped 7 Merchants Grow
Are You Leaving Money on the Table? Payment Optimization Opportunities You Might Be Missing
For most businesses, payment processing is just another operational necessity—an unavoidable cost of doing business. But what if your payment strategy is actually costing you more than it should? Many...
For most businesses, payment processing is just another operational necessity—an unavoidable cost of doing business. But what if your payment strategy is actually costing you more than it should? Many...
Are You Leaving Money on the Table? Payment Optimization Opportunities You Might Be Missing
Common Barriers to Payment Optimization (And How to Overcome Them)
Payment optimization is critical for cost savings yet despite their best efforts, many merchants struggle to make meaningful improvements. They often find themselves overpaying in fees, dealing with i...
Payment optimization is critical for cost savings yet despite their best efforts, many merchants struggle to make meaningful improvements. They often find themselves overpaying in fees, dealing with i...
Common Barriers to Payment Optimization (And How to Overcome Them)
How to Conduct a Payment Audit: Step-by-Step Guide for Merchants
Quick Answer: A payment audit is a structured review of your transaction data, processor fees, interchange qualifications, and vendor contracts to identify overpayments and optimization opportunities....
Quick Answer: A payment audit is a structured review of your transaction data, processor fees, interchange qualifications, and vendor contracts to identify overpayments and optimization opportunities....
How to Conduct a Payment Audit: Step-by-Step Guide for Merchants
Visa’s New Acquirer Monitoring Program (VAMP): An In-Depth Guide for Merchants
Editor’s Note (September 2025): Visa has clarified thresholds and extended the advisory period. For the latest guidance, read our updated guide here. UPDATE: Visa has announced a key update to its upc...
Editor’s Note (September 2025): Visa has clarified thresholds and extended the advisory period. For the latest guidance, read our updated guide here. UPDATE: Visa has announced a key update to its upc...
Visa’s New Acquirer Monitoring Program (VAMP): An In-Depth Guide for Merchants
Hidden Costs or Industry Standard? Uncover the Truth About Your Payment Fees
When it comes to payment processing, many merchants are operating in the dark. They accept their payment fees assuming there’s little they can do—just another cost of doing business. Without clear ben...
When it comes to payment processing, many merchants are operating in the dark. They accept their payment fees assuming there’s little they can do—just another cost of doing business. Without clear ben...
Hidden Costs or Industry Standard? Uncover the Truth About Your Payment Fees
Why Are Our Payment Costs Rising? 5 Factors Merchants Shouldn’t Ignore
Rising payment costs can feel like a slow drip—barely noticeable at first. You may notice a higher charge here and there, but it doesn’t feel like anything you need to be concerned about. Then one day...
Rising payment costs can feel like a slow drip—barely noticeable at first. You may notice a higher charge here and there, but it doesn’t feel like anything you need to be concerned about. Then one day...
Why Are Our Payment Costs Rising? 5 Factors Merchants Shouldn’t Ignore
Payment Analytic Tool
Payment Analytic Tool
How to Negotiate Better PSP Rates and Manage Your Payment Costs
One of the most important—and often overlooked—aspects of managing your business operations is negotiating the right pricing with your payment service provider (PSP). Regardless of your industry, find...
One of the most important—and often overlooked—aspects of managing your business operations is negotiating the right pricing with your payment service provider (PSP). Regardless of your industry, find...
How to Negotiate Better PSP Rates and Manage Your Payment Costs
The Undervalued Role of Payments Teams — and What It’s Costing You
If leadership came to you and said, “We need to grow revenue and cut costs,” what would come to mind? Build a new feature? Sounds good. Rethink the org structure? Could work. Incentivize the sales te...
If leadership came to you and said, “We need to grow revenue and cut costs,” what would come to mind? Build a new feature? Sounds good. Rethink the org structure? Could work. Incentivize the sales te...
The Undervalued Role of Payments Teams — and What It’s Costing You
The ROI of Payment Analytics: Real Examples from Real Merchants
When it comes to payments, the numbers don’t lie—but they don’t always speak for themselves either. That’s where payment analytics comes in. Whether it’s uncovering hidden fees, improving approval ra...
When it comes to payments, the numbers don’t lie—but they don’t always speak for themselves either. That’s where payment analytics comes in. Whether it’s uncovering hidden fees, improving approval ra...
The ROI of Payment Analytics: Real Examples from Real Merchants
Turn Your Data Into Profit
Turn Your Data Into Profit
How Much Are You Leaving On the Table
How Much Are You Leaving On the Table
Turn Raw Data Into Real Savings
Turn Raw Data Into Real Savings
Missing the Savings In Every Transaction
Missing the Savings In Every Transaction
Client Testimonials
"We have found a great new partner with Optimized Payments. Over the years we have noticed that our interchange costs have been steadily increasing, to the point of concern. Initially, we attempted to combat this problem internally, however we soon realized we needed precise information that was custom tailored to our method of processing. Optimized Payments provided the very specific, integral information in a timely manner. Within months, we began to realize a very significant amount in interchange and card brand fee savings. What started as a one-time project has now transformed into an ongoing partnership for consulting and analytics as it relates to U-Haul payment space. I would highly recommend Joey Dembek and the team at Optimized Payments to any other large organization, seeking to reduce and streamline the payment processing."
Robert Krawczyk, Director of Payment Operations
U-Haul
"Kering Americas (parent of luxury brands like Gucci, Saint Laurent, Bottega Veneta, Balenciaga, Alexander McQueen and Brioni) was looking for a payments consulting firm to help it solve several payments challenges; including enhancing transaction security, consolidating U.S. and Canada operations, evaluating alternative payment methods and managing a merchant services RFP. After interviewing several firms, we selected Optimized Payments. The team at Optimized has been invaluable in helping us achieve our payments goals and save about $1.5 million in processing costs per year. We also have web-based payments analytics that allow us to provide easy to understand metrics and reporting to our luxury brands. I highly recommend Optimized Payments to any merchant looking to reduce costs, implement analytics and/or update their payments strategy."
Dan Byrnes, Director Financial Operations
Kering Americas
"Providence St. Joseph Health, 3rd largest not for profit hospital and health care system in the U.S., needed a consulting firm with deep expertise in payments to help us consolidate and simplify our payments infrastructure across multiple regions and lines of business. After thorough due diligence, we selected Optimized Payments and we couldn’t be happier with our selection and subsequent results. The team at Optimized Payments took the time to really understand the nuances of healthcare and managed a merchant services RFP that delivered great results – consolidation, reporting simplification and millions in cost savings. Simply, Optimized Payments delivered a great return on our investment."
Bradley C. Hansen, Sr. Manager - Administration, Treasury
Providence St. Joseph Health
"Our partners at Optimized Payments have greatly enhanced our ability to manage payments. We have increased our ability to effectively manage cost of acceptance with greater insight into associated fees across all card brands. They have directly impacted our daily settlement reconciliation process creating efficiencies in work processes. 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, Senior Director
Tiffany and Company
"As the largest privately-held vacation ownership company in the world, we take a significant amount of credit card payments for all of our business lines. When we were looking to reduce our card processing fees and streamline reporting and analytics, we turned to the experts Optimized Payments. They were instrumental in aggregating all payments data, including co-branded card data, and identifying savings opportunities. 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 Analytics was an easy choice."
John Willman, Treasurer & VP of Mortgage Services
Westgate Resorts
"We had a mandate to update our payments strategy and reduce costs. Given the lack of resources, we turned to the experts at Optimized Payments to help run a merchant services RFP and provide payments analytics to identify cost savings opportunities. The RFP helped us enhance our security solutions and understand the latest offerings in the marketplace. The analytics continue to help us stay on top of key metrics, identify savings opportunities and report savings wins to our management. Optimized Payments is a valuable partner and extension of our team."
Jeanne Keane, CTP, Director, Assistant Treasurer
Staples
"The Biller Solutions arm of Fiserv is an innovative and savvy player in the electronic bill presentment and payment space. While at Fiserv, we identified the need for in-depth expertise on interchange and card network rules, and, as a result of such turned to the experts at Optimized Payments. Optimized Payments was amazing to work with and was able to identify savings opportunities far beyond what we could have imagined. The ROI on hiring these experts was immediate and the process quite simple."
Paul Harrison, Former COO
Fiserv
"OPC's guidance has provided immense value to me and my team over the past eight years. They have helped boost our bottom line, navigate vendor selection, and even taught me a thing or two about the payments industry. I feel like an expert!"
Jean Chidley, Chief Financial Officer
Chicago Parking Meters
"I have no regrets whatsoever over the last ten years we’ve worked with Optimized Payments. They provide in-depth knowledge about one of our largest cost items and enable me to focus on things other than number crunching or quantifying anything related to payment processing. That’s a huge relief. The whole team is simply fantastic and so customer focused."
Greg Moore, Director of Treasury Operations
AutoNation
"Burr Pilger Mayer is in the business of providing accounting and consulting services, not being experts in credit card processing. 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
"We have been working with Optimized Payments for about 11 years. Payments are complex and costly, and when we need help with any aspect of payments like RFPs, analytics or reducing costs, we look to the experts at Optimized Payments. Our time is valuable and the ROI with Optimized makes sense."
Timothy Lemieux, SVP & CIO
Ratner Companies