Analysis2023-06-20T19:57:56+00:00

Your AI-Powered Payments Partner

We’ve harnessed the power of machine learning to redefine how payment processing services are analyzed and optimized, providing a new level of insight and opportunity for savings, and we do so with no impact to your current vendors, systems or operations.

Meet Ai.nalysis

“AI.nalysis allows us to review years of statements and find thousands of dollars in near real time.”

Tech-Enabled, People Powered

“Our efficiency may be enabled by tech, but our value is in the people powered services that go beyond what tech alone can provide.”

Jeremy Lessaris

Founder & CEO, Payment Brokers

How it Works

We take pages of line items on otherwise unreadable statements, and contract clauses and turn them actionable insights that will impact your bottom line.

Questionaire

Our 1 page questionnaire takes less than 5 mins to complete and doesn’t require any sensitive information.

Analysis

We utilize AI based contract and statement analysis tools to classify transactions and fees to give you full transparency on what you are paying.

Reporting

Our comprehensive report simplifies your contract, breaks down rates and fees, and identifies savings and optimization opportunities.

AI-Contract Review

We take a comprehensive, machine learning approach to analyzing your contract, going line by line to identify risks, challenges and opportunities. We carefully examine the terms of your current service provider for contractual flexibility, cancellation policies or the potential for liquidated damages to determine the best possible outcome for negotiations.

Our AI technology works tirelessly, dissecting every component of your contract to ensure that all of your contractual obligations are properly accounted for, and that any potential risks associated with the contract are identified and accounted for during contract negotiations.

Forensic
Statement Analysis

Navigating the labyrinth of credit card processing statement analysis can be a near impossible task. Statement analysis is much more complicated than simple percentages and transaction fees. It requires advanced knowledge including;

  • Complicated interchange and implementation timelines
  • Deceptively labeled dues and assessments
  • Complex regulatory and compliance requirements
  • Risk reduction through EMV, PIN & Level 2 & 3
  • Technology use (tokenization, card updater, AVS etc…)

Our advanced AI model simplifies this process with an ability to analyze vast amounts of transaction level detail at lightning speed, leveraging machine learning variables to decode, categorize and identify opportunities for rate and fee reductions.

Get a Free Analysis

The Numbers Speak for Themselves

Real results from a real customer. Over $6,000/mth in Savings without changing processor, no application, no underwriting, no hardware or software changes, no long term contract required.

Old Pricing 

New Pricing

Type

Volume

Transactions

Old Total

New Total

Visa

$37,517.16

189

$289.02

$28.21

Visa Debit

$33,428.53

177

$258.39

$25.56

Mastercard

$65,444.32

178

$489.00

$41.62

Discover

$2,196.45

11

$16.91

$1.65

Amex

$38,368.43

162

$292.45

$27.28

Association Fees

Interchange

$3,596.46

$3,596.46

Assessment

$187.42

$187.42

Access Fees

$24.25

$11.71

FANF

$45.00

$45.00

MC License

$14.34

$14.34

Authorization, Gateway & Batch

Auth

1869

$297.23

$0

AVS

28

$1.40

$1.40

Batch

23

$9.20

$1.15

Other

$176,954.89

$4,453.53

$0

Additional Fees

Statement

$10

$10

Regulatory

$5.60

$0

PCI

$84.70

$7

Software

$25.00

$0

Analytics

$45.00

$0

Totals

Total Fees

$10,184.75

$3,998.80

Effective Rate

5.76%

2.26%

61% Savings

Mthly Savings

$6,185.95

1 Yr Savings

$74,231.37

3 Yr Savings 

$222,694.10

The Numbers Speak for Themselves

Real results from a real customer. Over $6,000/mth in Savings without changing processor, no application, no underwriting, no hardware or software changes, no long term contract required.

Old Pricing 

New Pricing

Type

Volume

Old Total

New Total

Visa

$37,517.16

$289.02

$28.21

Visa Debit

$33,428.53

$258.39

$25.56

Mastercard

$65,444.32

$489.00

$41.62

Discover

$2,196.45

$16.91

$1.65

Amex

$38,368.43

$292.45

$27.28

Association Fees

Interchange

$3,596.46

$3,596.46

Assessment

$187.42

$187.42

Access Fees

$24.25

$11.71

FANF

$45.00

$45.00

MC License

$14.34

$14.34

Authorization, Gateway & Batch

Auth

$297.23

$0

AVS

$1.40

$1.40

Batch

$9.20

$1.15

Other

$176,954.89

$4,453.53

$0

Additional Fees

Statement

$10

$10

Regulatory

$5.60

$0

PCI

$84.70

$7

Software

$25.00

$0

Analytics

$45.00

$0

Totals

Total Fees

$10,184.75

$3,998.80

Effective Rate

5.76%

2.26%

61% Savings

Mthly Savings

$6,185.95

1 Yr Savings

$74,231.37

3 Yr Savings 

$222,694.10

Schedule a Review

Learn More About Analysis

How long does it take to do an analysis?2023-06-12T02:46:14+00:00

A standard financial analysis can be completed in less than 1 business day, but a full analysis can vary depending on the scope and complexity of the initial analysis.

Is any sensitive information required to do an analysis?2023-06-13T01:31:14+00:00

No sensitive information is required to do a statement analysis. All that is required is a copy of your original credit card processing agreement and credit card processing statements. These statements do not have any identifying information like bank account information, credit card numbers, or other person or business information outside of the merchant ID.

For publicly traded companies that believe these documents fall under MNPI, we are happy to sign NDAs with covered persons and entities disclosures.

Can I do an analysis myself?2023-06-12T02:45:28+00:00

In order to do your own self analysis it would does require significant knowledge and insights on the industry, processes, rate and fee structure, interchange and ISO/acquirer hierarchy and profitability, contract terms etc…

What is reviewed in an analysis?2023-06-12T02:45:09+00:00

Our full analysis goes beyond just rates and fees to look at the business as a whole, identifying areas to mitigate risk, streamline processes and overall reduce expenses associated with processing. Here is what to expect in a full review (where applicable)

  1. Pricing
  2. Contract
  3. Payment Process
  4. Technical & Integration
  5. Regulatory & Compliance
  6. Risk
Is monthly statement analysis is also offered?2023-06-13T01:33:13+00:00

Yes, we offer ongoing statement analysis called VeriFee (Monthly Monitoring) for free to our RightRate (Negotiation) service customers.

What does it cost to do an analysis?2023-06-12T02:44:00+00:00

The first statement analysis is completely free. Ongoing statement analysis is free for our RightRate negotiation service customers. Fees for stand-alone statement analysis are dependent on the complexity and length of each statement.

What is required to do an analysis?2023-06-12T02:43:20+00:00
  1. A simple Q&A about the company, product, and payment acceptance process, software, hardware.
  2. Copies of your credit card processing statements.
Jason Milburn

VP of Client Advisory

Let’s Talk Payments, Start Saving Today!