PaymentsOffice is an outsourced payments operating function for mid-market subscription commerce merchants. We take end-to-end ownership of your payments performance, so you stop losing money to inefficiencies that compound when nobody is watching.
Backed by our team's decades of experience optimizing payments for major acquirers, networks, and merchants. Now available to subscription commerce merchants doing $50M–$500M+ in annual payment volume.
Finance sees the costs. Engineering owns the integrations. Vendors optimize their piece. Nobody is accountable for the whole picture.
Mid-market merchants with $50–500M in volume spend millions on payments every year, yet rarely have dedicated payments ownership or expertise.
Interchange downgrades. Preventable declines. Suboptimal routing. Vendor overlap. These add up quietly, and nobody is tracking the total.
Most merchants negotiate processing rates but leave fraud losses, authorization failures, and operational waste untouched. That's where the real money is.
Too few people to cover pricing, fraud, disputes, auth optimization, and vendor management. You need a team, not a headcount.
Not consulting. Not a report. We become your outsourced payments team, accountable for outcomes.
4–6 week deep dive into your processing data, auth logs, fraud losses, and dispute economics. We replace assumptions with actuals and size the opportunity.
We assume operating responsibility for your existing payments stack. No rip-and-replace. We start by owning what you already have and establishing governance.
We optimize your existing stack and recommend new capabilities where the business case supports it. Strategy with business cases across all five pillars, then implementation. Continuously.
CFO-grade reporting through the Payments Cost and Outcome Ledger. Every dollar of impact is tracked, validated, and attributed.
Every pillar has specific levers, clear KPIs, and evidence-backed expected outcomes.
Most payments reporting shows you what happened. The Ledger shows you what we did about it, what it saved, and what to do next. Every dollar of impact is baselined, tracked, and attributed by pillar.
| Pillar | Baseline | Current | Value |
|---|---|---|---|
| Rate/pricing | 247 bps | 228 bps | $20.1K |
| Fraud/ATO | 62 bps | 48 bps | $14.8K |
| Authorization | 87.2% | 88.9% | $18.2K |
| Failed payments | 4.1% | 2.8% | $11.6K |
| Ops efficiency | 3 FTE | 0 FTE | $3.7K |
| Total | $68.4K |
The Ledger is how we stay accountable. If the numbers don't move, you'll see it before we tell you.
Fixed management fee plus performance-based fees tied to realized savings. We share in the upside we create. These are the net savings your business keeps after our fees.
Net annual value to merchant after PaymentsOffice fees, including cost reduction, recovered revenue, and operational savings.
Net annual savings retained by the merchant, with clear ROI within the first quarter of active optimization.
Net annual P&L impact to merchant. Savings compound as operational maturity increases over time.
Our team has spent decades inside the payments ecosystem, from acquirer pricing and network economics to fraud operations, authorization strategy, and dispute management. We know where the margin lives because we've worked every side of the table.
Our team has worked directly with major acquirers, networks, and merchants on pricing strategy, fraud economics, authorization performance, and dispute operations. We understand the full payments P&L because we've managed the levers on both the acquirer and merchant side.
PaymentsOffice is staffed by people who have run payments at $50–500M merchant businesses. They've managed the day-to-day: routing decisions, fraud tuning, vendor negotiations, dispute workflows. They're not advisors observing from the outside. They've owned the outcomes.
We combine hands-on operational execution with strategic consulting across all five optimization pillars: pricing, fraud, authorization, failed payments, and ops efficiency. We don't just tell you what to fix. We fix it, measure the impact, and keep optimizing.
Through CardTraq and our acquirer relationships, we maintain proprietary benchmarking data on merchant pricing across processors. When we negotiate your rates, we know exactly where your markup sits relative to peers at your volume.
Payment consultants deliver reports. PSPs optimize their piece. Neither owns outcomes across your entire stack.
PaymentsOffice works best for merchants who are large enough to have real payment cost pain, but don't have the team to fix it.
$50–500M in annual online payment volume
Still on flat-rate PSP pricing or unoptimized interchange-plus
0–3 payments FTE and planning to hire
Material decline rate or weak credential strategy
High dispute exposure (subscription, digital, marketplaces)
Under $50M in annual payment volume
Already have a mature, dedicated payments team
Primarily card-present / retail
Already optimized across all five pillars
Not willing to grant operational access and governance
Start with a free, no-obligation diagnostic. We'll show you exactly where the leakage is, and whether PaymentsOffice makes sense for your business.