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<b>How Detailed Transaction Records Can Lower Your Payment Processing Fees</b>

How Detailed Transaction Records Can Lower Your Payment Processing Fees

by JJS Global | January, 2024 

Ever feel like you’re paying more in processing fees than you should? 

There’s a strong chance you might be. So often we see businesses unknowingly overpay because they don’t fully leverage one critical asset: their own transaction data. Your transaction records are more than just tedious admin. 

By documenting monthly statements, chargeback histories, and other key metrics, you can turn this information into negotiating power that drives down your costs.

Why Your Transaction Records Matter

1. Gaining Negotiation Leverage

Payment processors base their rates on perceived risk and transaction volume. When you can show stable sales, consistent volumes, and minimal chargebacks, you present yourself as a reduced -risk merchant. Payment processors favor this when it comes to determining your rates.


2. Spotting Hidden Fees

Ever opened your monthly statement to find unfamiliar line items or higher charges than expected? Hidden fees can creep in over time, often unnoticed unless you’re reconciling against your own detailed logs. By matching each item on your processor’s statement to your internal records, you can identify and address fees that don’t align with your transaction patterns or service agreements.


3. Building a Reduced -Risk Profile

This ties into our first point. Chargeback ratios, refund percentages, and dispute outcomes all factor into how processors view you. A business that demonstrates effective dispute resolution or shows a low rate of fraudulent transactions is likely to secure lower interchange markups. Regularly documenting and analyzing these metrics helps you spot trouble areas—like a spike in chargebacks from a particular product or region—before they inflate your risk profile and, consequently, your fees.


4. Preventing Costly Holds or Reserves

If a processor sees spikes in volume without context, they might impose rolling reserves or withhold funds. Documented data explaining seasonal surges or marketing campaigns proves these spikes are legitimate and expected—shielding you from sudden holds on your revenue.

What Should You Be Documenting?

1. Monthly Processor Statements

What They Show: Overall sales volume, chargeback counts, and associated fees.

Why They Help: When you have this data organized month by month, it’s easier to see trends or sudden fee increases—and to question those changes.


2. Chargeback & Dispute Records

What They Reveal: Patterns in why customers are disputing charges (e.g., services not rendered , not as described , fraud).

Why They Help: Identifying recurring issues allows you to address underlying problems and prove to processors that you take proactive measures to minimize risk.


3. Transaction Metrics & Analytics

What They Include: Payment methods used (credit cards, ACH, wallets, etc.), cross-border transactions, and average transaction value.

Why They Help: Processors value predictability. Detailed metrics illustrate your consistency, making you a candidate for reduced -risk categorization and better rates.

How JJS Global Helps Decode Your Processing History

Sorting through statements and logs can be overwhelming, especially if you’re juggling multiple merchant accounts. That’s where JJS Global steps in:

  • Tailored Analysis: We deep-dive into your monthly statements, transaction logs, and chargeback data to identify areas of cost savings or risk.
  • Optimized Recommendations: Armed with insights from your records, we suggest the most suitable plan, potentially diversifying your accounts or shifting to better pricing models.
  • Strategic Support: Your payment needs evolve as you grow—we keep an eye on shifting patterns, ensuring you stay on track and maintain a reduced -risk profile over time.
  • Ongoing Guidance: We’re not just a one-time fix. As your business expands or adds new products, we continually refine your payment approach to align with your goals and budget.

The records you compile each month aren’t just for accounting’s sake. They can also provide essential information that can be leveraged to lower your processing fees, reduce chargebacks, and fortify your standing with payment providers. By reviewing these documents consistently and acting on what you find, you’ll step into negotiations confident that your rates match your actual risk and transactional profile.

JJS Global

Ready to Transform Those Transaction Logs into Real Savings?

Contact JJS Global today and let our experts decode your payment history. Together, we’ll craft a payment strategy that not only fits your current business model but also scales with your future ambitions.

Get Started Apply Now

Discover your ideal payment processing solution.




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