Credit Manager Toolkit Get paid faster, and stop overpaying for the privilege
Free guides for credit managers and AR teams. Every one comes back to the same two numbers: how long it takes customers to pay you, and what it costs you when they do.
From Robert Day and the weAudit team, just under 30 years in credit card processing, including more than a decade as an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments.
The guides
How to reduce DSO
Nine ways to get invoices paid sooner, and the card math every credit manager should run before taking card payments.
B2B payments
Check, ACH, wire, instant payments and cards compared from the side that gets paid: speed, cost to receive, and when to use each.
Level 3 credit card processing
How sending invoice detail with a corporate or purchasing card payment lowers Visa’s rate by nearly a full point, and what changed in 2026.
Visa CEDP
Visa’s Commercial Enhanced Data Program replaced Level 2 and Level 3. What it costs, and what your processor may not be telling you.
ACH processing fees
What ACH really costs, where the markup hides, and why making ACH easy to choose matters more than the rate.
Surcharging guidance
Surcharging looks simple and rarely is. The rules on caps, debit cards and disclosure, and why lowering your cost comes first.
Statement decoder
Plain-English explanations of the line items on a processing statement, including the commercial card categories that show whether Level 3 is working.
The $1.84 million case study
A B2B manufacturer with a clean statement and a competitive rate was losing $1.84 million a year because its gateway could not send Level 3 data.
Why credit managers are the ones who find this money
Processing fees are a cost of collecting revenue, not a purchase, so procurement rarely reviews them. Credit managers watch card payments land in receivables, often net of fees, which puts them closer than anyone to the real cost of getting paid.
- The industry is non-regulated. Two businesses on the same processor can pay completely different amounts.
- The rules move twice a year. The card networks change over 200 rules and rates every April and October.
- The contract lets the price change. Every merchant agreement lets the processor change its fees at any time.
We audit the statements, fix what is wrong with your existing processor or a new one, and keep auditing monthly. Our fee is flat and never a percentage of savings, and we take no revenue share, referral arrangement or financial tie from any processor or ISO.
Find out what getting paid is really costing you
Send us a recent processing statement and we will show you where the money is going. No cost, no obligation.
Or call 800-672-1292
Want to talk?
- Call us today 800-672-1292
- Book a free consultation
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