Payment Processing
Stop overpaying to get paid.
Most businesses have never had their processing statement read line by line. We do that first, at no cost, and show you exactly what you're paying in interchange, assessments, markup, gateway fees, PCI fees, and equipment leases. If there's nothing to save, we rebuild nothing and tell you so. If there is, we rebuild the acceptance stack around it.
What's included
Everything we handle under payment processing
Line-by-line statement audit
Our in-house audit software reads every line of your statement, separating true interchange from processor markup and flagging junk fees, non-qualified downgrades, batch fees, PCI non-compliance charges, and locked equipment leases. We quantify the annual impact and explain it in plain English.
Transparent interchange-plus pricing
We move you off bundled or tiered pricing to a clear cost-plus structure so every future statement is readable and every rate change is visible.
Unified commerce acceptance
Card-present terminals, mobile and tap-to-pay, eCommerce checkout, hosted payment pages, invoicing, and a virtual terminal for phone orders — every channel accepting into one unified reporting view.
White-label gateway & certified integrations
A feature-rich, developer-friendly gateway with a documented API, certified shopping-cart, POS, and ERP connectors, and a modular approach that meets your stack where it is instead of forcing a rip and replace.
Tokenized customer vault & recurring billing
Store cards as tokens instead of card data, run subscriptions and installment plans, and reduce involuntary churn with an automatic card account updater and intelligent retry logic.
Security, PCI & fraud controls
Point-to-point encryption, tokenization, 3-D Secure, AVS/CVV rules, velocity and blocklist filters, plus guided PCI scope reduction and SAQ completion.
Chargeback & dispute management
Alerts, representment documentation, and root-cause reporting so disputes are answered inside the window and repeat causes get fixed.
Settlement, reporting & reconciliation
Predictable funding and payout timing, batch- and transaction-level reporting, and exports that reconcile cleanly against your accounting system.
What you get
Outcomes, not deliverables.
- ✓A written breakdown of what you pay today versus what the same volume should cost
- ✓Findings generated by audit software and reviewed by a payment processing specialist, not missed by human error
- ✓Pricing you can verify on every future statement
- ✓One accountable contact for terminals, gateway, disputes, and support
- ✓Savings you can redirect into marketing or inventory
How it runs
- 01
Send a recent statement
One or two months of processing statements is all we need to start. No commitment, no equipment shipped.
- 02
We audit and quantify
You get a plain-English breakdown of effective rate, markup, and fees, with an honest read on whether change is worth it.
- 03
We rebuild the stack
Pricing, gateway, hardware, and integrations configured around your actual channels and volume.
- 04
We stay on the account
Ongoing rate monitoring, dispute support and a real person to call when something breaks.
Common questions
Straight answers before you commit.
- Do I have to switch processors?
- The audit is free either way. If the numbers say staying where you are is better, we'll tell you. Where a move makes sense, we place you with our processing partner, whose platform reports directly into your dashboard.
- Does the statement audit cost extra?
- No. It is part of the software on every plan. You upload statements, the audit engine returns the analysis on your dashboard, and there is no obligation to move anything.
- Will this disrupt my checkout?
- Migrations are planned around your business, tested in parallel where possible, and cut over with support on standby.
- Can you support high-volume or multi-location businesses?
- Yes, multi-MID structures, location-level reporting and consolidated funding are standard.
All-in-1 Commerce coordinates on behalf of clients with authorized service providers. Approvals, pricing, contracts, underwriting, fulfillment and support are determined by the applicable provider. Results vary by business and are not guaranteed.
Working with us
What you can expect once this solution is switched on.
- One vetted partner per service
- We hold direct agreements with a selected provider in each category, chosen so their platform integrates with our software. If your business needs something outside those agreements, we tell you and source it.
- Written before signed
- Scope, pricing structure, timelines, and who is responsible for what are documented before any agreement is put in front of you.
- Plain-English disclosure
- Total cost of capital, effective processing rate, and surcharge load are shown in full. No teaser rates, no numbers that only work in a footnote.
- One accountable contact on every plan
- A named specialist stays on your account after setup, alongside the AI-powered account manager included on every plan. No handoff to a support queue.
Audit my processing statement
Start your 14-day free trial and this solution is waiting on your dashboard. Please don't send banking credentials, card numbers, or sensitive financial documents.
Prefer email? team@allin1commerce.com