Optimized Payments Can Help

JP Morgan Chase: How Many Millions  Are Hidden In Your Payments Data?

As a payments executive at JP Morgan, you’re likely dealing with rising interchange fees, complex routing decisions, and hidden inefficiencies that could be costing you millions each year.

Optimized Payments can help you refine your payment strategy, and ensure every aspect is optimized to save you money and maximize your profits.

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Over 700 companies use Optimized Payments to prevent revenue loss from hidden fees.

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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.

Image of the Optimized Payments Key Metrics Dashboard, displaying sales data, debit sales percentage, and credit card processing fees for various brands, aimed at optimizing credit card processing fees.

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.

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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.

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Roles & Permissions

User permissions can be configured to view a subset or all data.

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Reliable Analytics

Analytics are refreshed daily for transaction-level data or monthly for aggregate data that are based on interchange qualification.

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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.

This image features a smiling young man in a black polo shirt, promoting a friendly business environment. Discover how Optimized Payments helps reduce credit card processing fees efficiently.

You’d be surprised at the amount of savings that are hidden in your payments data.

We work with enterprise finance and payments teams to uncover the hidden savings in their transactions—without switching processors or disrupting operations. Many companies don’t realize they’re leaving millions on the table due to unnecessary interchange fees, suboptimal routing, and failed transactions.

Elijah Melendez, Sales Rep

Woman using phone for online payment on a car, highlighting Optimized Payments' solutions for reducing credit card processing fees.

AutoNation: Taking Charge of Chargebacks and Upgrading Downgrades

Woman using phone for online payment on a car, highlighting Optimized Payments' solutions for reducing credit card processing fees.

AutoNation: Taking Charge of Chargebacks and Upgrading Downgrades

AutoNation, America’s largest automotive retailer, is a Fortune 500 company employing more than 26,000 associates at over 350 franchised locations from coast to coast. The company has sold over 11 mil...
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Woman using phone for online payment on a car, highlighting Optimized Payments' solutions for reducing credit card processing fees.

AutoNation: Taking Charge of Chargebacks and Upgrading Downgrades

The ClientAutoNation, America's largest automotive retailer, is a Fortune 500 company employing more than 26,000 associates at over 350 franchised locations from coast to coast. The company has sold o...
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AutoNation: Taking Charge of Chargebacks and Upgrading Downgrades

A person holds a credit card while viewing pricing plans on a tablet, highlighting how subscription merchants may be impacted by the FTC's Click To Cancel Rule.

The FTC’s Click-to-Cancel Rule and What You Need to Know

A person holds a credit card while viewing pricing plans on a tablet, highlighting how subscription merchants may be impacted by the FTC's Click To Cancel Rule.

The FTC’s Click-to-Cancel Rule and What You Need to Know

  On October 16, 2024, the Federal Trade Commision announced updates to its "Click-to-Cancel" rule, in an attempt to modernize the original 1974 “Negative Option” rule for subscription merchants. In a...
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A person holds a credit card while viewing pricing plans on a tablet, highlighting how subscription merchants may be impacted by the FTC's Click To Cancel Rule.

The FTC’s Click-to-Cancel Rule and What You Need to Know

  On October 16, 2024, the Federal Trade Commision announced updates to its "Click-to-Cancel" rule, in an attempt to modernize the original 1974 “Negative Option” rule for subscription merchants. In a...
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The FTC’s Click-to-Cancel Rule and What You Need to Know

Alt text: A digital dashboard showcasing the Debit Routing Dashboard by Optimized Payments, highlighting key performance indicators and strategies to optimize credit card processing fees for businesses.

Final Debit Routing

Maximize your savings with our Debit Routing Dashboard. Access millions of records, identify impactful changes, and monitor debit routing performance for optimized cost efficiency.
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Alt text: A digital dashboard showcasing the Debit Routing Dashboard by Optimized Payments, highlighting key performance indicators and strategies to optimize credit card processing fees for businesses.

Final Debit Routing

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Alt text: A digital dashboard showcasing the Debit Routing Dashboard by Optimized Payments, highlighting key performance indicators and strategies to optimize credit card processing fees for businesses.

Final Debit Routing

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Final Debit Routing

Alt text: A laptop displaying a colorful chart and graphs illustrating chargeback data. Optimized Payments provides insights to minimize credit card processing fees and protect revenue from disputes.

Chargeback Management

Customers often see a chargeback as a simple refund, but it costs you, the merchant, much more. Optimized Payments helps manage and reduce chargebacks.
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Alt text: A laptop displaying a colorful chart and graphs illustrating chargeback data. Optimized Payments provides insights to minimize credit card processing fees and protect revenue from disputes.

Chargeback Management

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Alt text: A laptop displaying a colorful chart and graphs illustrating chargeback data. Optimized Payments provides insights to minimize credit card processing fees and protect revenue from disputes.

Chargeback Management

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Chargeback Management

Protected: Insurance Payment Processor: Reducing Costs and Enhancing Efficiency

Protected: Insurance Payment Processor: Reducing Costs and Enhancing Efficiency

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Protected: Insurance Payment Processor: Reducing Costs and Enhancing Efficiency

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Protected: Insurance Payment Processor: Reducing Costs and Enhancing Efficiency

Calculator and financial documents illustrating optimal strategies for minimizing credit card processing fees. Optimized Payments offers solutions for better payment management.

Common Barriers to Payment Optimization (And How to Overcome Them)

Calculator and financial documents illustrating optimal strategies for minimizing credit card processing fees. Optimized Payments offers solutions for better payment management.

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...
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Calculator and financial documents illustrating optimal strategies for minimizing credit card processing fees. Optimized Payments offers solutions for better payment management.

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...
Read More

Common Barriers to Payment Optimization (And How to Overcome Them)

Image featuring Taige Caldwell and Tom Wrigley discussing leveraging debit routing trends for maximum savings. Optimized Payments helps reduce credit card processing fees through strategic insights.

Leveraging Debit Routing Trends for Maximum Savings

Image featuring Taige Caldwell and Tom Wrigley discussing leveraging debit routing trends for maximum savings. Optimized Payments helps reduce credit card processing fees through strategic insights.

Leveraging Debit Routing Trends for Maximum Savings

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Image featuring Taige Caldwell and Tom Wrigley discussing leveraging debit routing trends for maximum savings. Optimized Payments helps reduce credit card processing fees through strategic insights.

Leveraging Debit Routing Trends for Maximum Savings

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Leveraging Debit Routing Trends for Maximum Savings

Optimized Payments experts analyze debit routing trends before and after the PINless clarification, revealing how merchants can reduce network and interchange fees while improving margins.

Client Testimonials

U-Haul Testimonial
"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
"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."
U-Haul Testimonial
Robert Krawczyk, Director of Payment Operations
U-Haul
Kering Americas Testimonial
"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
"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."
Kering Americas Testimonial
Dan Byrnes, Director Financial Operations
Kering Americas
Providence St Joseph Health Testimonial
"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
"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."
Providence St Joseph Health Testimonial
Bradley C. Hansen, Sr. Manager - Administration, Treasury
Providence St. Joseph Health
Tiffany and Company Testimonial
"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
"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."
Tiffany and Company Testimonial
Laura Woop, Senior Director
Tiffany and Company
Westgate Resorts Testimonial
"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
"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."
Westgate Resorts Testimonial
John Willman, Treasurer & VP of Mortgage Services
Westgate Resorts
Staples Testimonial
"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
"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."
Staples Testimonial
Jeanne Keane, CTP, Director, Assistant Treasurer
Staples
Fiserv Testimonial
"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
"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."
Fiserv Testimonial
Paul Harrison, Former COO
Fiserv
Chicago Parking Meters Testimonial
"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
"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!"
Chicago Parking Meters Testimonial
Jean Chidley, Chief Financial Officer
Chicago Parking Meters
AutoNation Testimonial
"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
"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."
AutoNation Testimonial
Greg Moore, Director of Treasury Operations
AutoNation
Burr Pilger Mayer Testimonial
"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
"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%."
Burr Pilger Mayer Testimonial
Diana Borova, Chief Administrative Officer
Burr Pilger Mayer
Ratner Companies Testimonial
"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
"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."
Ratner Companies Testimonial
Timothy Lemieux, SVP & CIO
Ratner Companies

“The analytics have helped us identify issues with our payment processing, and over the course of the last 18 months, we’ve identified savings in excess of 15 million dollars in partnership with Optimized Payments.”

Jane Frazier, Charter Communications

“Increased efficiency…cut time of one FTE from spending a day doing manual reconciliation to almost 45 minutes.”

Nitish Pandit, Priceline