Merchant Hub
Better payment decisions start with better visibility.
Merchant Hub is being built to give businesses a clearer view of what is happening inside their payment environment.
Instead of relying on disconnected statements, processor portals and reports, Merchant Hub is designed to help turn payment data into information you can actually use.
Payment overview
Sample dataEffective rate
2.71%
Approval rate
94.2%
Dispute rate
0.36%
Authorizations by month
Payment data exists.Understanding it is the harder part.
Processors, gateways, chargeback platforms and billing systems generate large amounts of information.
But that data often lives in separate systems, uses different terminology and does not clearly explain what requires attention.
- Processor Reports
- Gateway Data
- Statements
- Authorization Data
- Chargeback Data
Merchant Hub
- Clearer Insight
- Better Questions
- Better Decisions
What Merchant Hub is being built to help with.
Statement Analyzer
In development
Organize processing volume, fees and effective rate into a clearer cost picture.
Approval Analytics
In development
Look past a single approval rate to the patterns behind declines and authorizations.
Chargeback Insights
In development
Review dispute activity across cases rather than one at a time.
Merchant Dashboard
In development
Bring the pieces of a payment environment into one place to evaluate together.
Understand what you are actually paying.
Merchant statements can contain dozens or even hundreds of individual fees.
Merchant Hub is being built to organize that information into a clearer view of processing volume, fees, effective rate and cost structure.
Not every fee can be classified automatically. Statement formats vary by provider, and some line items still require review.
- Processing volume
- Transaction count
- Total fees
- Effective rate
- Processor markup
- Gateway charges
- Monthly fees
- Other recurring charges
- Approved vs declined
- Decline reasons
- Issuer response trends
- BIN-level patterns
- Recurring vs initial transactions
- Processor or MID comparisons
- Time-based trends
See where transactions are being lost.
Approval rate alone does not tell the whole story.
Merchant Hub is being built to help businesses examine authorization performance in greater detail and identify patterns that may deserve further investigation.
The purpose is not to promise higher approvals. The purpose is to make authorization performance easier to understand.
Disputes are easier to manage when patterns are visible.
Chargebacks are often reviewed one case at a time.
Merchant Hub is being built to help merchants look across dispute activity and identify trends that may point to broader operational, fraud or customer-experience issues.
- Chargeback count
- Chargeback rate
- Reason codes
- Dispute trends
- Alert activity
- RDR activity
- Merchant account comparisons
Your payment environment may span several systems.Your view of it should not have to.
A business may have more than one processor, merchant account, gateway or ecommerce platform.
Merchant Hub is being designed around the idea that those sources should be easier to evaluate together.
Data availability will depend on supported processors, platforms, exports and integrations. Not all integrations are currently available.
- Processor A
- Processor B
- Gateway
- Chargebacks
- Billing
Merchant Hub
Unified Payment View
A dashboard is only useful if it helps answer a question.
Merchant Hub is not being built simply to display more charts.
The goal is to help merchants and Merchant Counselor identify what deserves attention and what action may make sense next.
01
Observe
02
Investigate
03
Understand
04
Act
05
Measure
Approval rate drops
→ Investigate decline patterns
Processing costs change
→ Review fee structure
Chargebacks rise
→ Identify dispute trends
Performance differs by MID
→ Compare payment routes
Visibility should lead to better decisions.
Technology supports the advisory process.
Merchant Hub is designed to complement Merchant Counselor's hands-on payment advisory work.
Data can help identify what is happening. Experience helps determine what to do about it.
Merchant Hub
Data + Visibility
Merchant Counselor
Analysis + Advisory
Better Payment Decisions
Merchant Hub is being built.
Merchant Hub is currently under development.
Capabilities, supported data sources and features will continue to evolve as the platform is built and tested.
Have payment data but not a clear answer?
Tell us what you are trying to understand. Whether the issue is processing costs, approval rates, chargebacks or something else, we can start with the information you already have.
Merchant Hub is currently being built