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A CRG business

Your payments stack is costing you more than it should. We fix that.

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.

$1.5–4.5M
Total annual value created per client
10–20%
Typical payment cost overspend before PaymentsOffice
60–90
Days to measurable improvement
4–6 mo
Average payback period

Nobody owns your payments P&L

Finance sees the costs. Engineering owns the integrations. Vendors optimize their piece. Nobody is accountable for the whole picture.

$5–20M

What you spend on payments annually

Mid-market merchants with $50–500M in volume spend millions on payments every year, yet rarely have dedicated payments ownership or expertise.

$1–4M

What you lose to invisible leakage

Interchange downgrades. Preventable declines. Suboptimal routing. Vendor overlap. These add up quietly, and nobody is tracking the total.

10–15%

Of payment costs are recoverable

Most merchants negotiate processing rates but leave fraud losses, authorization failures, and operational waste untouched. That's where the real money is.

0–3

FTEs dedicated to payments

Too few people to cover pricing, fraud, disputes, auth optimization, and vendor management. You need a team, not a headcount.

We operate your payments. You see it on the P&L.

Not consulting. Not a report. We become your outsourced payments team, accountable for outcomes.

01

Diagnostic

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.

02

Takeover

We assume operating responsibility for your existing payments stack. No rip-and-replace. We start by owning what you already have and establishing governance.

03

Optimize

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.

04

Prove

CFO-grade reporting through the Payments Cost and Outcome Ledger. Every dollar of impact is tracked, validated, and attributed.

Five pillars. Measurable impact across each.

Every pillar has specific levers, clear KPIs, and evidence-backed expected outcomes.

Rate and pricing
15–25 bps impact
Interchange downgrade remediation, acquirer markup compression, network fee audits, and alternative debit routing. Most mid-market merchants overpay by 40–100 bps versus what their volume warrants.
Fraud and account takeover
15–25 bps impact
Rule tuning, manual review optimization, network fraud program enrollment, and authentication strategy. Each $1 of fraud costs $3–4.61 in total burden. A 20–30% reduction is realistic without proprietary tech.
Authorization
10–15 bps impact
Network tokenization, soft decline recovery, data enrichment, and cross-border local acquiring. Every 1% auth uplift at 25% margin translates directly to recovered gross profit.
Failed payments
~0.27% of GMV
Retry and recovery optimization, Account Updater coverage, post-decline recovery, and pre-failure customer outreach. Subscription merchants lose 10–20% of revenue to failed payments, 70% from customers qualified to pay.
Ops efficiency
$300–450K in FTE value
Tool rationalization, FTE redeployment, process governance, and the Payments Cost and Outcome Ledger. Our fee replaces your payments headcount. You redeploy those people to growth.

You see exactly what changed and why

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.

Executive summary

Monthly. For your CFO.
Effective cost
2.31%
-38 bps vs. baseline
Cumulative savings
$412.8K
Since engagement start
Net to merchant
$68.4K
This period, after fees
Baseline
PillarBaselineCurrentValue
Rate/pricing247 bps228 bps$20.1K
Fraud/ATO62 bps48 bps$14.8K
Authorization87.2%88.9%$18.2K
Failed payments4.1%2.8%$11.6K
Ops efficiency3 FTE0 FTE$3.7K
Total$68.4K
Renegotiated acquirer markup: 42 bps to 26 bps
Network tokenization: adoption now 64%
Visa RDR enrolled: 287 disputes auto-resolved

Operating detail

Weekly. For your payments lead.
Approval rate
88.9%
+1.7 pp vs. baseline
Token adoption
64%
+31 pp vs. baseline
88.9%
Approved Soft (recovered) Soft (unrecovered) Hard Fraud
Top decline reasons
05 — Do not honor1,284 -12%
51 — Insufficient funds892 -2%
14 — Invalid card number634 -28%
54 — Expired card421 -41%
Retry performance
1st attempt
87.2%
2nd attempt
38.0%
3rd attempt
18.2%
Net recovery
61.4%
Involuntary churn
2.8%
-1.3 pp vs. baseline
Updater coverage
89%
+34 pp vs. baseline

The Ledger is how we stay accountable. If the numbers don't move, you'll see it before we tell you.

Self-funding from day one

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.

$640K
$50–100M GMV merchants

Net annual value to merchant after PaymentsOffice fees, including cost reduction, recovered revenue, and operational savings.

$1.03M
$100–200M GMV merchants

Net annual savings retained by the merchant, with clear ROI within the first quarter of active optimization.

$2.01M
$200–500M GMV merchants

Net annual P&L impact to merchant. Savings compound as operational maturity increases over time.

Built inside the payments ecosystem. Now working for merchants.

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.

Deep payments operating experience

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.

Merchant operators on the team

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.

Operators, strategists, and subject matter experts

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.

Proprietary pricing intelligence

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.

We operate. Everyone else advises.

Payment consultants deliver reports. PSPs optimize their piece. Neither owns outcomes across your entire stack.

Traditional payment consultants

Deliver recommendations, then leave
Project-based or percentage of one-time savings
Optimize pricing only (the visible 60%)
No ongoing accountability
Merchant still needs team to execute

PaymentsOffice

Operates as your embedded payments team
Fixed fee plus performance share on validated savings
Optimizes all five pillars continuously
Accountable for outcomes with CFO-grade reporting
Replaces the need for internal payments headcount

Best fit subscription commerce merchants

PaymentsOffice works best for merchants who are large enough to have real payment cost pain, but don't have the team to fix it.

You are a good fit if

$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)

Probably not a fit if

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

Find out what your payments stack is actually costing you

Start with a free, no-obligation diagnostic. We'll show you exactly where the leakage is, and whether PaymentsOffice makes sense for your business.

Free 4–6 week diagnostic. No commitment required. If we can't find meaningful savings, we'll tell you.