Portfolio Dashboard — RateSidekick

EBITDA Multiple

8×

Value creation updates live. Estimated savings labeled with *

Projected Annual Savings ⓘ

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Avg monthly savings × 12

Value Creation Est. ⓘ

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At 8× EBITDA multiple

Companies

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— with statements

Portfolio Avg. Rate ⓘ

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Weighted by volume

Savings Identified ⓘ

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Estimated from AI analysis

Savings Realized ⓘ

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Confirmed after optimization

Savings Realized (EV) ⓘ

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At 8× EBITDA multiple

ACH Savings Opportunity ⓘ

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No ACH profiles added

Optimized Companies ⓘ

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— in negotiation

Portfolio Summary

Click any row for full statement history

📊

Add companies to get started

Portfolio Companies

Add companies and upload their processing statements

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Rate Monitoring

Track month-over-month rate changes per company — catch creep before it compounds

Pricing Strategy Analyzer

Understand the full impact of surcharging and dual pricing for any company in your portfolio. This tool presents the facts, tradeoffs, and compliance requirements — not a recommendation.

Company

State

ACH Migration Rate — 70%

% of card volume that moves to ACH (B2B avg ~70%)

Scenario A

Status Quo

No changes to current structure

Monthly Cost

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Annual Cost

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Considerations

✓ No customer friction
✓ No compliance burden
✓ Predictable cost structure
✗ Full processing cost absorbed by business

Scenario B

Surcharge

Cost offset — cannot profit from spread

Net Monthly Cost

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Monthly Savings

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Considerations

✓ Processing cost eliminated on card volume
✗ Cannot profit — capped at actual cost
✗ Debit must be excluded (federal law)
✗ Card brand registration required
✗ ACH migration slows cash flow
✗ Customer friction possible

Scenario C

Dual Pricing

Two prices — spread capture is legal revenue

Monthly Spread Revenue

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Annual Spread Captured

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Considerations

✓ Spread capture is legal revenue
✓ No card brand profit restriction
✓ No registration required (vs surcharge)
✓ Customer sees cash and card price at checkout only
✓ Debit automatically processes at cash price
✗ ACH migration slows cash flow
✗ Underlying IC+ rate critical for spread

Cash Flow Timing Impact

When customers switch to ACH to avoid the card fee, money arrives slower. This is not a processing cost — it is a permanent shift in when receivables land that affects working capital planning.

⚠ The Debit Card Factor — Why Your Underlying Rate Matters

Select a company to see the debit analysis.

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Select a company to begin

Choose a company and state to model surcharge and dual pricing scenarios side by side.

Your Payments Advisory Team

We sit inside your business as a dedicated payments function — handling everything processor-related so you never have to think about it.

O

Owen

Lead Payment Advisor · RateSidekick

Former payments industry insider. Spent years on the processor side — which means we know exactly where the margin is hidden, how fees get added quietly, and what rates are actually achievable for your volume and industry.

✉ owen@atompayments.co 📞 (908) 705-1904

What We Handle

Everything payments — so your team doesn't have to.

Rate Audit

Every statement reviewed line by line. We identify your true processor markup, isolate junk fees, and verify your pricing model — building the baseline for everything that follows.

Processor Negotiation

We make the calls. We write the emails. We push back on rate increases, fight junk fees, and negotiate directly with your processor or a better one — you never have to be on the phone.

Proposal Review

Before you sign anything from a processor, we review it. We've seen every pricing trick — flat rates disguised as IC+, per-transaction fees buried in fine print, multi-year lock-ins with hidden escalators.

Monthly Statement Monitoring

Every statement uploaded to this platform is reviewed against your baseline. Rate creep gets flagged immediately — not discovered a year later at renewal.

Monthly Reporting

A clear report each month showing exactly where your rates stand, what has been saved, and what is being watched. Board-ready numbers, no spreadsheet required.

ACH & Payment Strategy

Card processing is only part of the picture. We review your ACH setup, wire fees, and payment routing — there is often significant savings in how payments are collected, not just how cards are processed.

New Location Onboarding

Adding a location? We handle the processor setup, ensure consistent pricing across the portfolio, and make sure nothing slips through as the group grows.

Direct Access

A dispute, a chargeback policy question, a processor trying to add a new fee — call or email directly. This is what the retainer is for.

You Keep Everything

No success fees. No revenue share. Every dollar negotiated stays with you. Our incentive is your long-term trust — not a cut of your savings.

How It Works

Simple, ongoing, and completely hands-off for your team.

1

Audit

We pull and analyze your current statements — every location, every processor. You see the full picture for the first time.

2

Negotiate

Armed with real data, we go to your processors. Most accounts see meaningful rate reductions within 30–60 days.

3

Monitor

Every month, statements come in. We review them, track savings, and flag anything that looks off before it compounds.

4

Report

You see a clean monthly report through this platform. Rates, savings, trends — everything in one place, always up to date.

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Same-Day Response Commitment

Any question, dispute, or urgent processor issue — you will hear back the same business day. Payments problems don't wait, and neither do we.