Your Outsourced Payments Department

You’d never navigate tax code without a CPA. Why navigate payments — one of the most complex, technical areas of your business — without a specialist?

The Problem

Payments is one of the most misunderstood expenses in business. There are over 1,000 interchange categories, constantly changing rules, and processors who profit from your confusion. Most CFOs and finance teams simply don’t have the time or training to optimize this effectively.

Here’s what typically happens:

You negotiate a rate when you sign up

Fees quietly creep up over time

You switch processors, hoping for better

The cycle repeats


Sound familiar?

The problem isn’t your processor. It’s that you don’t have anyone watching the details — the interchange qualifications, the hidden markups, the account settings that determine what you actually pay.

Our Solution

Infiniti embeds with your team as your dedicated payments experts. We do the work that nobody else is doing:

Comprehensive Audit
We analyze your statements line by line — not just your rate, but how every transaction is being classified and what you’re actually paying for each one.
Root Cause Analysis
We don’t just tell you that you’re overpaying. We tell you why — and we fix it. Interchange misqualifications, incorrect MCC codes, network routing issues, hidden fees — we find them all.
Implementation
Our team handles the changes. Whether that means reconfiguring your current processor or migrating to a better setup, we do the heavy lifting.
Ongoing Monitoring
Payments optimization isn’t a one-time project. Rates change, rules change, and processors test new fees constantly. We monitor your account monthly and catch problems before they cost you.

What We Look For

Interchange misqualification — The #1 hidden cost. Are your transactions qualifying at the rates they should?

Fee markups and padding — Processors often add basis points that aren’t obvious on your statement.

Network routing inefficiencies — Are debit transactions being routed through the lowest-cost network?

Chargeback and dispute patterns — High chargebacks don’t just cost money — they raise your rates.

Authorization optimization — Failed authorizations cost you revenue and increase your risk profile.

Contract terms that don’t serve you — Termination fees, rate escalation clauses, and hidden commitments.

What You Get

Clear, jargon-free explanation of your current setup

Specific recommendations with dollar amounts attached

Implementation support — we do the work

Ongoing monitoring and quarterly reviews

A true partner who’s aligned with your success

Who This Is For

We work best with midsize and enterprise companies who meet certain criteria. If this sounds like you, let's talk.

Process $1M+ annually in card volume
Have complex payment environments (multiple locations, channels, or systems)
Want a consultative partner, not just a processor
Value expertise and are willing to invest in getting payments right

Pricing

UPFRONT ANALYSIS

Complementary

No contract required

Complete merchant account analysis

Processing fee breakdown

Payments stack review

Expert report card

OPTIMIZATION

Included

Included with engagement

Merchant account optimization

Work with your processor

Streamlined payments setup

Portion of realized savings

CONSULTING

Included

Included with engagement

Merchant account education

Payments stack deep-dive

Processor charge explanations

Team collaboration

REPORTING

Included

Included with engagement

Processing fee reports

Transaction analysis

Effective rate calculations

Trend insights

Book a 10 Minute Call with our Team Today to Start Processing With The Pros