Where the money was actually hiding
Four worked examples of the patterns we find most often. Figures are illustrative composites, not individual client accounts.
Tiered pricing was reclassifying 38% of transactions
Headline rate 1.79%. Actual effective rate 3.44%. Rewards and business cards were landing in "non-qualified" at 3.65% plus a per-item fee, and nothing on the statement made that visible.
Level III data was never being passed
Corporate and purchasing cards were qualifying at standard commercial rates because line-item data was not transmitted. The rate negotiation everyone focused on was worth a fraction of the fix.
7.4% of recurring charges were failing silently
No account updater, no dunning, no retry logic. Members were not cancelling — their cards were expiring and nobody chased them. The processing rate was almost beside the point.
A 48-month lease on a $400 terminal
$89/month, non-cancellable, 41 months remaining — $3,649 owed on hardware worth about $400. We could not make the lease disappear, and said so. We repriced everything else and set a calendar reminder for the buyout date.
Composite examples built from patterns across statements we analyse. Not individual client accounts and not a prediction of your result. Replace with documented client case studies (with written permission) before launch.
Every fee named in 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.