Optimized Payments

"I started Optimized Payments to simplify payments." Anand Goel, CEO & Founder, speaks about the origins of Optimized Payments. For nearly two decades, we've excelled in our mission to empower merchants through reducing the cost and complexity of their payments. We'd like to give a special thanks to those in our network; our continued progress wouldn't be possible without the success and support of our colleagues and clients. ??

Issuers are aggressively marketing business credit cards to everyday consumers, reclassifying cards and driving up costs for merchants—without adjusting published rates. Our team analyzed 122 million transactions totaling $35.7B in sales and found merchants are now paying an average of $400,000 more per $1B processed compared to 2022. Some steps merchants can take now: ?? Track your interchange trends ?? Evaluate if Level 3 data is realistic ?? Explore debit routing & payment steering ?? Work with a partner that monitors & optimizes your interchange Read more ?? https://lnkd.in/ePnAvEfg #Payments #Interchange #Fintech #BusinessCards #OptimizedPayments

Chargebacks are more than just lost sales. Disputes come with added costs such as dispute fees, operational expenses, and potential damage to your merchant reputation. Excessive chargebacks can even lead to increased processing fees or account termination. To mitigate chargeback losses:? ? Implement?strong authentication tools. ? Monitor chargeback trends and analyze?root causes?to address issues proactively.? ? Leverage?dispute resolution automation?to streamline chargeback responses and improve win rates. Are chargebacks one of your biggest pain-points? ?? https://lnkd.in/eKMZtsjh

Payments data is often fragmented across multiple platforms, making it difficult to get a comprehensive view. Without centralized payment analytics, you will struggle with: ?? Identifying approval rate drops & transaction failures. ?? Understanding which payment methods or networks are the most cost-effective. ?? Spotting hidden fees that quietly increase costs over time. Strategies to overcome optimization barriers: ? Work with Payment Experts Who Specialize in Optimization ? Invest in a Payment Analytics Platform ? Follow Industry News and Best Practices Learn more ?? https://lnkd.in/esdd7MmR #OptimizedPayments

?? Let's take a moment to appreciate our March 2025 Employee of the Month, Balaji Bhadri! Balaji has been instrumental towards our goal of growth in 2025. The dedication of him and his team creates a reliable foundation for our continued technological advancement. "Balaji has been a great help... His expertise has been crucial in ensuring a strong start for the team" - Komal Mehta Thank you, Balaji! #OptimizedPayments #EmployeeoftheMonth #Success #Payments

?? Are your payment authorization rates holding you back? The Authorizations Dashboard in our Harmonize analytics platform helps merchants unlock revenue by analyzing approval rates across payment methods, funding sources, and price points—all in one place. Get the insights you need to optimize retention, refine your retry strategy, and boost approvals.

??Visa’s new Visa Acquirer Monitoring Program (VAMP), launching in April 2025, combines fraud, chargeback, and risk monitoring into a single system, replacing separate programs. Merchants will now be assessed under a single VAMP Ratio instead of separate thresholds. Exceeding Visa’s thresholds can result in escalating fines, increased reserves, or even termination of Visa processing rights. Businesses, especially those processing card-not-present (CNP) transactions, must strengthen fraud prevention, improve dispute resolution, monitor their ratios, and consider alternative transaction routing to stay compliant and avoid penalties. Learn more in our full write-up and FAQ ?? https://lnkd.in/dycMUyAr

In an ever-changing and increasingly complex payments industry, businesses that don’t optimize their payments now risk: ? Higher operational costs ? Lost revenue ? Falling behind competitors ? Leading companies are already leveraging payment orchestration to stay ahead. By doing so, they’re turning payments into a growth engine, rather than a business expense. Learn more ?? https://lnkd.in/e5DaP62e #Gr4vy #OptimizedPayments #PaymentOrchestration #Payments

Are You Leaving Money on the Table? Many businesses pay higher interchange fees simply because they aren’t optimizing how their transactions are processed. Opportunities for interchange savings include:? ? Ensuring transactions meet qualification criteria for lower interchange rates.? ? Using?Level 2 and Level 3?data for B2B transactions to qualify for lower fees.? ? Regularly reviewing and adjusting MCC classifications to avoid unnecessary costs. Learn more ?? https://lnkd.in/eKMZtsjh

?? Are hidden downgrades costing you? With Downgrade Analysis in our Harmonize analytics platform, merchants can easily break down downgraded Visa/Mastercard transactions by reason & code, drill down into specific transactions driving higher interchange costs, & pinpoint outliers.