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 merchants. We take end-to-end ownership of your payments performance, so you stop losing money to inefficiencies nobody is watching.

Backed by CRG's 10+ years optimizing payments for major issuers and acquirers. Now available to merchants doing $50M–$500M in annual payment volume.

$1.6–4.5M

Annual value created per client

10–20%

Typical payment cost overspend

60–90

Days to measurable improvement

4–6 mo

Average payback period

The problem

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.

40%

Of costs are never optimized

Most merchants negotiate processing rates (the visible 60%) while fraud losses, auth failures, and operational waste go unmanaged.

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.

How it works

We operate your payments. You keep the savings.

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

Diagnostic

4–6 week deep dive into your processing data, auth logs, fraud losses, and dispute economics. We replace assumptions with actuals.

Design

We architect the right payments stack: rails, processors, pricing, routing, and tools. Clear targets across cost, authorization, fraud, and disputes.

Operate

We act as your fractional payments team. Routing, fraud tuning, dispute handling, vendor management. Continuously, not episodically.

Prove

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

What we optimize

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 ATO

15–25 bps impact

Rule tuning, 3DS strategy, manual review optimization, and network fraud program enrollment. 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

Dunning optimization, Account Updater coverage, post-decline recovery, and pre-dunning 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.

The economics

Self-funding from day one

Fixed management fee plus performance-based fees on realized savings. You don't pay for recommendations. You pay for outcomes.

$850K

$50–100M GMV merchants

Aggregate annual savings across hard payment costs, excluding FTE redeployment value.

$1.3M+

$100–200M GMV merchants

Stronger margin profile with clear ROI within the first quarter of active optimization.

$2.4M+

$200–500M GMV merchants

Material P&L impact with savings that compound as operational maturity increases.

Why us

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

Who this is for

Best fit 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.