Cost Intelligence Agent
Fee and Commission Reconciliation Software That Turns Payment Costs Into Measurable Financial Gains
Optimus brings commission and fee management for platforms into one place. Normalize fees across processors, networks and payment flows. Validate every charge, understand your effective rate and surface overcharges, leakage and optimization opportunities before they impact your bottom line.
Validate Every Fee at a Transaction Level
Don't just see what you were charged. Use a fee validation solution to verify that every fee, commission and interchange rate is correctly applied.
Automatically Detect Overcharges and Anomalies
Run payment fee audit and reconciliation automatically to surface duplicate charges, incorrect pricing tiers and unexpected fees across all payment partners.
Go Beyond Effective Rate to True Cost Accuracy
Effective rate averages can hide discrepancies. Optimus' Cost Intelligence Agent identifies exact mismatches and overcharges at the transaction level.
Key Features
- Predict per-transaction card network fees (Visa/Mastercard) with daily updates from a card fee forecasting platform.
- Enhance transactional data by incorporating calculated per-transaction fees.
Results
- Achieve near 100% accuracy in fee predictions.
- Enable faster, data-driven decision-making.
- Improve processing quality and payment service efficiency.
Growth-Driven Automation
Simplify the setup and management of complex fee structures without code, driving profits through automated, efficient processes.
Achieve Complete Fee Accuracy at Scale
Move beyond averages and estimates. Gain confidence that every fee across geographies, payment methods and partners is correctly applied and verified.
Reduce Manual Effort and Operational Overhead
Eliminate time-consuming spreadsheet work and manual audits. Automate reconciliation, validation, and reporting, freeing your finance team to focus on strategic priorities.
Continuously Monitor and Prevent Revenue Leakage
Don’t just detect issues after the fact. Continuously track fee behavior and surface anomalies early to prevent ongoing financial leakage.
Turn Payment Costs Into Measurable Financial Gains
Optimus doesn’t just help you understand your payment fees. It ensures they are accurate, controlled, and optimized for maximum financial impact.
Eliminate Overcharges Across Processors
Stop losing money to incorrect fee applications, hidden charges, and pricing mismatches. Optimus validates every transaction to ensure you only pay what you should.
Reduce Chargebacks Smartly
A streamlined approach to identifying, analyzing, and resolving chargebacks efficiently, reducing disputes and financial losses without additional complexity.
Detect and analyze chargeback trends effortlessly
Resolve disputes faster with automated workflows
Minimize revenue leakage through proactive insights
Maintain compliance with network and processor guidelines
All this without the need for manual intervention.
Setup fees & commissions rules
Set up fees & commissions rules: Define fee structures and plans in our merchant processing fee and commission calculation software, using data from third-party processors, payment service providers, independent service organizations, merchant service providers, peer to peer networks, acquiring banks, and issuing banks.
Auto compute at source
As payment service provider fee and commission calculation software, Optimus computes fees and commissions across multiple payment flows at once, covering posting, settlement and funding data.
Unlock insights
Track sales, fees, commissions and effective rates across all levels of your business with automated fee analysis software. See both big-picture sales and fee trends, and dive deep into individual transactions. Get customizable dashboards and reports tailored to different partners and channels, enabling data-driven decisions and effective partner incentives.
Accurately Predict and Reconcile Card Network Fees
Gain full transparency and control over Visa and Mastercard fees to optimize financial operations.
Implement Profit-Based Pricing Models
Ensure 100% cost allocation to customers while strategically sharing a portion of interchange revenue.
Deliver Value-Added Data Services
Enhance customer offerings with data-driven insights for precise card-level profitability analysis.
Frequently Asked Questions About Fee and Commission Reconciliation
What data sources are used for fee reconciliation?
Data from third-party processors, payment service providers, ISOs, merchant service providers, peer-to-peer networks, acquiring banks and issuing banks, across posting, settlement and funding data.
What types of fees can the Optimus platform manage?
Processing fees, commissions, interchange, card network (scheme) fees, penalties and other partner charges across processors and payment methods.
How does Optimus ensure accurate fee calculations?
It validates every fee, commission and interchange rate at the transaction level and predicts Visa and Mastercard network fees daily with near 100% accuracy.
Can I customize fee structures for different transactions?
Yes. You define fee structures and plans by partner, payment method and flow without code.
What reporting features does Optimus offer for fee management?
Customizable dashboards and reports that track sales, fees, commissions and effective rates by partner and channel, down to individual transactions.
How does the Optimus Fintech platform handle disputes related to fees?
It surfaces overcharges and mismatches at the transaction level, giving you the evidence to dispute and recover incorrect charges.
Is it possible to automate fee reconciliation with Optimus?
Yes. Optimus automates fee reconciliation, validation and reporting, which removes spreadsheet work and manual audits.
What support does Optimus provide for integrating fee management with other systems?
Optimus offers comprehensive support for integrating fee management with various systems, including APIs, custom connectors, and data migration tools. Their expertise ensures seamless synchronization of fee data across platforms, enhancing operational efficiency and improving overall financial management processes.
What is fee reconciliation?
Fee reconciliation checks the fees you were charged against your contracts and expected rates, so overcharges and errors are caught and recovered.
How do you account for rebates in accounting?
Rebates are recorded as reductions in revenue or expenses. When received, they reduce the cost of goods sold or operating expenses, affecting net income. For accrual accounting, rebates are recorded as receivables until received. Adjustments ensure accurate financial reporting reflecting the rebate's impact on financial statements.
What is rebate reconciliation?
Rebate reconciliation involves verifying and matching rebate claims with the corresponding transactions and records. This process ensures that the rebates are correctly applied, accurate, and compliant with agreements. It typically includes reviewing documentation, validating amounts, and adjusting accounts to reflect the correct rebate values.
How do commission fees work for financial reconciliation process?
Commission fees are matched against agreed rates and settlement data, so the amounts paid to or received from partners are accurate.
What Support Options Are Available for Fees & Commissions Software?
Optimus offers various support options, including technical assistance, user training, and comprehensive documentation, to ensure you get the most out of our fees and commissions software and resolve any issues efficiently.
How Does Fees & Commissions Software Improve Revenue Management?
It finds overcharges and leakage early, gives true cost visibility beyond effective-rate averages and supports profit-based pricing.
Can I Track Historical Fees and Commissions Data?
Yes, our software allows you to track and analyze historical data on fees and commissions, providing insights into trends and performance over time for better strategic planning and analysis.
What is commission reconciliation software?
Commission reconciliation software compares the fees and commissions you're charged or owed against agreed rates and transaction data, flags mismatches and overcharges, and automates reconciliation and reporting.
Which platforms support automated reconciliation between calculated commissions and GL entries?
Optimus calculates fees and commissions across payment flows, and its GL Agent syncs reconciled data to your general ledger through ERP integrations.
What software provides a breakdown of interchange, scheme and processor fees?
Optimus normalizes fees across processors, networks and payment flows, so you can see interchange, card network and processor fees at the transaction level.
What software helps businesses detect payment processor overcharges and unexpected fees?
Optimus automatically detects duplicate charges, incorrect pricing tiers and unexpected fees across all payment partners, and validates every transaction against expected rates.
What is a fee reconciliation platform?
A fee reconciliation platform matches every fee against settlement and contract data across processors and partners, so finance teams catch overcharges and recover money.
You can reach us at:
1700 Montgomery St, San Francisco, California 94111
6470 E Johns Crossing Suite 160, Johns Creek, GA 30097
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