Payment processing is one of those behind-the-scenes functions that most businesses don’t think about—until something goes wrong. But here’s the real issue: even if nothing seems “wrong,” your business could still be losing money every single month.

Between opaque pricing, outdated processing setup, and inefficient workflows, many companies unknowingly leave thousands of dollars on the table. The worst part? Your processor isn’t going to tell you.

At Business Solutions Group (BSG), we act as your merchant advocate—helping businesses cut through confusing statements, optimize processing, and recover both hard and soft costs. If you haven’t reviewed your setup recently, here’s what you may be missing.

1. Interchange Optimization: Are You Paying More Than You Should?

If you process B2B transactions, interchange optimization is critical.
Many businesses overpay because:

• Level II/III data isn’t being passed through
• Merchant Category Codes (MCCs) are misclassified
• Your processor simply hasn’t optimized your setup

Proper interchange optimization can reduce costs dramatically—but only if your processor supports and proactively manages it.

2. Transparent Pricing vs. Tiered Confusion

Tiered pricing makes it nearly impossible to know what you're actually paying. Hidden markups are common, and businesses often discover they’ve been overcharged for years.

Best practice: request interchange-plus pricing with fully itemized statements. If your processor doesn’t want to provide it, that’s a red flag.

3. Statement Clarity: What Is Your Processor Hiding?

If your monthly merchant statement feels like deciphering a foreign language, you’re not alone.
A clear statement should include:

• Line-item fees
• Transparent processor markups
• Transaction-level detail

Confusion often benefits the processor—not your business.

4. Reporting & Reconciliation Tools That Reduce Waste

Manual reconciliation is one of the biggest sources of soft-cost loss. Slow, outdated tools create errors and drain staff time.

Look for:

• ERP integration
• Automated batch reconciliation
• Real-time omni-channel reporting

These features don’t just save time—they protect margins.

5. Chargeback Management That Works For You

Slow or passive dispute handling increases losses. Your processor should provide:

• Real-time alerts
• Fast rebuttal submission
• Hands-on support during disputes

A proactive partner can significantly improve win rates.

6. Funding Flexibility That Supports Cash Flow

Rigid funding cycles can disrupt operations. A tailored approach means:

• Batch cutoffs aligned to your business
• Underwriting that understands your industry
• Ability to negotiate faster funding when needed

Cash flow should never be limited by your processor’s schedule.

7. Optimized Commercial & Corporate Card Acceptance

High-ticket B2B payments introduce more complexity—and more opportunity for optimization.
Key needs include:

• Reliable Level II/III data
• Avoidance of costly downgrades
• ACH or alternative payment options when beneficial

Without expert oversight, these transactions often default to the most expensive interchange categories.

8. Seamless Integration with Invoicing & ERP Systems

Disconnected systems slow down collections, introduce manual errors, and frustrate customers.
Modern processing should offer:

• Automated invoice matching
• Digital payment reminders
• Embedded payment links and modern pay options

The result? Faster payments and fewer headaches.

9. Customer Support That Actually Helps You

Generic, outsourced support often creates delays and misunderstandings—especially for B2B businesses.

You deserve:

• Industry-knowledgeable support reps
• Clear escalation pathways
• Advocate-level service

If your issues sit unresolved for days, you deserve better.

10. Compliance & Security You Can Rely On

PCI compliance shouldn’t be confusing, and security shouldn’t be optional. Minimum requirements include:

• Guided PCI assistance
• Tokenization
• Fraud prevention tools
• Ongoing compliance support

Poor compliance isn’t just risky—it’s expensive.

Ready for Peace of Mind? Let BSG Review Your Setup—Complimentary

Many businesses don’t realize they’re overpaying until someone shows them the numbers.

Business Solutions Group offers a complimentary savings analysis and merchant statement review to uncover:

• Hidden overcharges
• Missed interchange optimization
• Inefficient workflows increasing soft costs
• Funding delays and avoidable risks
• Better pricing opportunities with your existing processor or alternatives

Why keep guessing what you're paying—or why—when you can know for sure?

Take the First Step Toward Lower Costs and Greater Efficiency

Schedule your free savings review with Business Solutions Group today: https://businesssolutionsus.com/merchant-services-contact
Let’s make sure you’re not leaving money on the table.