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Every payment has a cost.
Know what it means
for your margin.
Settle brings intelligence to merchant processing costs. Understand what you are paying, compare charges with agreed pricing, and bring the differences that matter into focus.
A clearer view of payment economics
Your revenue deserves
a closer look at the cost.
Payment processing touches every card sale. Yet understanding the charges can mean working through dense statements, different fee structures, and contract terms. Settle turns that review into a clearer basis for business decisions.
Make the statement useful.
Bring supported merchant statements into a structured analysis of fees and totals. Give finance teams a clearer view of how processing costs are composed and which charges deserve attention.
The opportunity: more visibility into the cost of getting paid.
Put pricing to the test.
Compare statement charges against supplied rate schedules and agreed pricing. Surface differences for review, with the calculations available to support the discussion.
The opportunity: a stronger basis for checking what was agreed.
Give the conversation substance.
Bring specific findings into discussions with your finance team, advisers, and processing partners. Use evidence to decide what needs clarification, correction, or a closer commercial review.
The opportunity: better-informed decisions about processing costs.
An executive view of the detail
Protecting margin starts
with understanding it.
Leaders need to know where costs come from and which questions are worth asking. Settle connects the detail of processing statements with the commercial decisions behind them.
Examine the fees and arithmetic behind the statement totals.
Compare applicable charges with the rate schedule supplied for the review.
Use identified differences to direct follow-up and support conversations with your providers.
The horizon ahead
From monthly statements
to strategic cost intelligence.
The longer-term opportunity is a connected view of payment costs across the business. These are directions for partner development and evaluation, building on statement analysis and pricing comparison.
A view across the enterprise.
Explore consolidated analysis across locations and business units, helping leadership understand where costs differ and what explains those differences.
Earlier visibility into change.
Explore recurring comparisons that bring changing fees and pricing differences into view over time, creating a more informed basis for ongoing review.
Stronger renewal conversations.
Explore how a documented history of processing costs could inform negotiations, contract renewals, and evaluation of alternative pricing proposals.
Better context for growth.
Explore how payment-cost intelligence could support expansion planning and acquisition integration, helping teams assess the economics of a larger merchant portfolio.
A practical starting point
Your statements.
Your pricing.
A clearer conversation.
Jou Labs’ payments work includes analysis of supported merchant statement formats, fee classification, arithmetic reconciliation, and comparison with supplied rate schedules.
A partner evaluation starts with representative statements and the pricing terms that apply to them. Review the findings with your team and assess how the analysis fits your existing financial workflow.
Settle focuses on processing-cost analysis. Findings depend on supported statement formats and the accuracy and completeness of supplied pricing information. Differences require review and do not automatically establish an overcharge or a recoverable amount.
Settle / An EARL Foundry application
Bring your payment costs
into sharper focus.
Start with the statements behind your business. Explore how Settle could give your team a stronger foundation for cost review, provider conversations, and margin decisions.
Discuss Your Vision with Jou Labs