Consulting after approval

We stay on your account after it’s approved

Most providers hand you a merchant account and a support number. We give you a bird’s-eye view of all your processing and a consultant who uses it to keep your account healthy, efficient and ready to grow.

The difference

Approval is step three of six

  1. ApplyTwo minutes to start
  2. MatchThe processor that fits you
  3. ApproveAccount live
  4. MonitorDaily, every account
  5. OptimizeFees, approvals, fraud tools
  6. GrowLimits, backups, new rails
The bird’s-eye view

Every account, every processor, one screen

Each processor reports differently, in its own portal, on its own schedule. Our software pulls it together and measures every account the same way, so problems surface early and comparisons are fair.

  • Volume, approvals, disputes, dispute alerts and deposits
  • Card and ACH accounts side by side
  • Alerts when something moves
Try the interactive demo
Inside the platform

What we watch for you

See your ratio before the card brands do

Dispute and fraud ratios tracked daily, by card brand and by account, with a forecast of where the month will close. If the line is heading toward a threshold, you hear from us first.

  • Daily ratio by Visa and Mastercard
  • Month-end forecast
  • Alerts and RDR set up before it’s urgent
Sample data0.00%0.25%0.50%0.75%1.00%ThresholdForecast 0.71%MayJunJulAugSepOctEnd

Recover sales you didn’t know you were losing

Every decline grouped by reason. We fix what can be fixed, like descriptors, retry timing and checkout fields, and show you the revenue it brings back.

  • Approval rate by account and card type
  • Decline reasons ranked by lost revenue
  • Fixes reviewed with you monthly
Sample data
92.6%approved
  • Insufficient funds41%
  • Do not honor23%
  • Expired card12%
  • CVV mismatch9%
  • Other15%

Stop fraud and disputes before they count

Your payment stack, tuned: 3DS and fraud scrub rules on the gateway, protection against BIN attacks, and RDR, Ethoca alerts and VDO to resolve disputes before they become chargebacks. What still comes through, we answer with compelling evidence.

  • 3DS and fraud scrub rules
  • BIN attacks blocked at the gateway
  • RDR, Ethoca alerts and VDO, tracked per account
Sample data
  • 9:42 AMRDR Visa dispute refunded automatically$49
  • 8:15 AM3DS Fraud liability shifted to the issuer$312
  • YesterdayFraud scrub BIN attack blocked: 1,204 card tests$0 lost
  • YesterdayEthoca alert Refunded before it became a chargeback$128
  • Disputes stopped this month, all accounts74

Keep bank payments from bouncing back

Returns tracked by reason code, with the patterns behind them. High return rates bring scrutiny, so we catch them while they’re small.

  • Return rate by account
  • Breakdown by return code
  • Fixes for verification and timing
Sample data
Return rate0.56%Last 30 days, eventsbybloom.com
  • R01 · Insufficient funds0.38%
  • R02 · Account closed0.11%
  • R10 · Not authorized0.04%
  • R03 · No account0.03%
Your account review

What we go through with you

On a rhythm that suits your business, usually monthly, and right away when something needs attention.

  1. 01Dispute and fraud ratios by card brand, against each threshold
  2. 02Month-end forecast, and what to do if it’s heading the wrong way
  3. 03Your effective rate, and any new or increased fees
  4. 04Declines ranked by lost revenue, with fixes
  5. 05Fraud scrub, 3DS and dispute alerts (RDR, Ethoca, VDO): what each one caught
  6. 06ACH returns by reason code
  7. 07Volume against your approved limits
  8. 08Agreed next steps, with who does what
What consulting covers

Everything you need to thrive

One view of everything

Every MID and every website on one screen: volume, approvals, chargebacks, dispute alerts and deposits, measured the same way.

Chargeback & VAMP watch

Ratios tracked daily by card brand, with a month-end forecast. We call you before you get near a threshold.

Fee and rate reviews

We read your statements so you don’t have to, track your effective rate, and go back to the processor when fees creep up.

Approval-rate tuning

Declines broken down by reason, with fixes to descriptors, retries and checkout that recover real revenue.

Fraud and dispute tools

3DS, fraud scrub rules and protection against BIN attacks, plus RDR, Ethoca alerts and VDO to stop disputes before they count. We tune them so good customers still get through.

Room to grow

Higher limits, backup accounts, ACH and new markets, arranged before you need them rather than after a hold.

Who it’s for

Built for merchants who can’t afford surprises

High-risk merchants

You worked hard to get approved. We make sure a ratio spike or an unnoticed fee doesn’t undo it.

Growing businesses

Volume is climbing toward your limits. We arrange more capacity and backup accounts before a hold forces the issue.

Multi-processor merchants

Several MIDs, several portals, several statement formats. We put them in one view and one conversation.

FAQ

Consulting questions

How are you different from other providers?

Most providers open your account and move on to the next one. We stay with you. We plan for the long haul: watching your ratios, fees and fraud tools every day, fixing problems before they put the account at risk, and adding capacity when you’re ready to grow. The goal is simple: keep you open, and keep you growing.

Is consulting included with my account?

Ask your consultant about the plan that fits your account. Every PaymentHelp merchant gets a named person to call. The depth of reviews depends on your volume and needs.

Which accounts can I see in the platform?

The accounts we place for you, across the processors we work with. Each one appears in the same view with the same measures, so you can compare them side by side.

How often will we review my account?

We agree a rhythm that suits your business, typically monthly. You also hear from us right away when something needs attention, such as a ratio heading toward a threshold.

Can you help with an account you opened elsewhere?

Often, yes. Send us recent statements and we’ll show you what we see and what we’d change.

See your processing the way we do

Send us your recent statements. We’ll show you what we see across your accounts and what we’d change first.