Card networks, processors, gateways, and ERP systems each handle transactions differently — and they don't reconcile cleanly with each other. The gap between what businesses think they're paying and what they're actually paying sits in that misalignment. It typically runs 10–30% of card processing cost, and it doesn't show up on standard reporting.
Verisave doesn't sell card processing. They audit yours — on top of whatever processor you already have.
Each layer in the stack interprets transactions a little differently. When the layers don't align, real fees end up higher than the quoted rate — and nothing on standard reporting flags it. This is true for every business processing card payments at meaningful scale, regardless of vertical or model.
Visa, Mastercard, and Amex set the interchange rules that determine how each transaction qualifies.
Apply pricing logic on top of interchange. Markup, bundling, and tier classification all happen here.
Determine authorization paths and pass transaction data to the processor. What gets passed (or not) directly affects cost.
Aggregates transaction outcomes for accounting. Compresses detail and obscures per-transaction cost variation.
Different operating models expose different parts of the misalignment. The underlying cause is the same: card networks, processors, gateways, and ERP each interpret transactions differently and don't reconcile.
DSO, dental, dermatology, ophthalmology, urgent care, veterinary networks. Each acquired site arrives with its own processing setup. At parent level, the settings rarely get reconciled.
Building products, food service, industrial, scientific, medical supply. Commercial cards qualify for lower interchange when line-item data passes cleanly. Most processors don't pass it cleanly.
DTC ecommerce + retail showroom + B2B wholesale. Different transaction paths route through different gateways with different rules. Cost differences hide in the aggregation.
Equipment, medical device, surgical, automotive aftermarket. Large transactions sit in interchange categories that depend heavily on how data is submitted.
SaaS, healthcare memberships, services. Recurring billing has its own interchange logic that's frequently set up incorrectly at the gateway level.
Multi-unit franchises, hotel groups, restaurant chains. High volume + high transaction count + tip-adjustment edge cases create routing errors that compound silently.
Pick the path that matches your intent. The more serious you are, the more personal the engagement.
Give us your monthly processing volume. We'll show you a ballpark range of what a business at your scale should be paying. No statement, no commitment — just a quick pulse check.
Open calculatorUpload one recent merchant statement. Verisave will email you a 1–2 page written analysis with observations specific to your account — including any interchange categories where you appear to be overpaying. No phone call, no pressure.
30-minute direct conversation with Verisave's BD team. They'll walk you through the patterns they typically find, what's correctable, and how an audit engagement works. No obligation.
Pick a timeVerified at verisave.com/case-studies. Documented client outcomes across different business models — not promises about your specific business.
No. Verisave is not a payment processor and doesn't sell processing services. They're an independent audit firm. Their job is to review whatever processor you currently have, identify where transactions are misrouted to higher-cost interchange categories, and correct the routing. You keep your processor, your contracts, your operational setup. Verisave just makes sure you're not overpaying inside that existing relationship.
No. Verisave works on top of your existing processor. They identify where transactions are misrouted to higher-cost interchange categories, then correct the routing — your effective rate drops going forward, your processor relationship stays exactly where it is.
The initial statement analysis is free. If structural inefficiencies are identified and you choose to engage, Verisave's compensation is a share of ongoing savings delivered (50% Year 1, 40% Year 2, 30% Year 3). No upfront fee, no retainer, no charge if no savings are found.
Roughly one week from statement upload to written analysis. The analysis identifies category-level interchange leakage, gateway markup, and routing misalignment specific to your account. Delivered in writing — no phone call required to receive findings.
Statements are reviewed by Verisave's audit team and destroyed after analysis. NDA available on request before upload. Verisave has been in operation 25 years across 1,250+ clients with no published data breaches.
Any business processing card volume at meaningful scale — typically $5M+ annually. The structural misalignment between card networks, processors, gateways, and ERP exists everywhere, but the audit is most worth running where the dollar impact justifies the engagement. Below ~$5M annual volume the math usually doesn't work.
Processors price the transactions they receive — they don't audit how those transactions are classified upstream by the card networks, or how the gateway passes data, or how ERP records the result. Each system optimizes for its own role. None has visibility into the full picture.