High Volume & Franchise
Your current processor is making money on fees you've never been shown.
SolvitaPay works exclusively with high-volume merchants, multi-location operators, and franchise organizations that have outgrown generic payment programs — and deserve someone who actually picks up the phone.
$1B+/mo
monthly volume supported
Custom
enterprise rate structures
Dedicated
support, always
The Math at Scale
At high volume, inefficiency isn't a nuisance. It's a budget line.
Rate differences that look minor on a single statement become material when you multiply them across 12 months and dozens of locations. The gap almost never appears as one obvious charge — it's distributed across three sources most operators never audit.
Monthly volume
$2,000,000
Preventable overcharge
0.15%
Annual exposure
$36,000
Leak source 01
15 bps
avg preventable downgrade rate
Interchange downgrades
Transactions that fail to pass required data — AVS, tax amount, PO number — fall to a higher interchange tier automatically. Each downgrade costs basis points you never see itemized. At $2M/month, 15 bps of preventable downgrades is $36,000 a year.
Leak source 02
8–20 bps
typical hidden markup range
Padded pass-through fees
Processors mark up "pass-through" interchange costs beyond what card networks charge, then distribute the markup across multiple line items so it doesn't surface as a single number. Most merchants never audit it. The ones that do find 8–20 bps of invisible margin.
Leak source 03
0.50%+
overpaid on B2B card volume
Unoptimized card mix
Rewards cards, corporate cards, and B2B purchasing cards each carry different interchange rates. Without routing and acceptance logic tuned to your specific card mix, you absorb full retail interchange on transactions that could qualify for significantly less.
Level 2 / Level 3 Data
B2B and corporate card volume qualifies for lower interchange. Most processors never set it up.
When enhanced purchase data — tax amount, purchase order number, line-item detail — is passed alongside a B2B or corporate card transaction, that transaction qualifies for a meaningfully lower interchange tier. The difference is typically 0.50%–1.00% on eligible volume.
This is opt-in infrastructure that requires deliberate configuration. Most processors don't surface it because it reduces their revenue. We activate Level 2/3 qualification for every eligible account at setup — and monitor it continuously so qualifying transactions don't silently fall back to standard rates.
Example — Corporate card transaction
Without Level 2/3 data
Standard corporate interchange
With Level 2/3 data passed
Qualified corporate interchange
Effective savings per transaction
On $500K/mo B2B volume = $4,000/mo
Franchise & Multi-Location
Infrastructure built for the operator, not the single-location merchant.
Every operational decision we've made — from reporting architecture to onboarding workflow to support structure — reflects the reality that running 10 or 300 locations is a fundamentally different problem than running one.
One dashboard, every location
Volume, fees, chargebacks, and effective rate consolidated at the organization level — broken out by site, region, or franchisee. No more aggregating PDFs from seven different portals.
Phased rollout, zero downtime
New locations move on a schedule you control. Existing sites keep processing without interruption while the transition runs in the background — we handle logistics, not you.
Group rate. Every location.
All locations process under the same negotiated structure from day one. As total group volume grows, rates improve across the board — not location by location as each one separately qualifies.
One senior contact. Always.
A dedicated senior account manager owns your entire organization — not a call center, not a ticket queue, not a rep who leaves every 18 months. The same person who onboarded you handles every location, every issue.
How transition works
We've moved organizations with 200+ locations. No disruption. No emergency weekend calls.
The SolvitaPay Standard
What enterprise accounts actually get.
Statement audit at no cost
Before you make any decision, we analyze your current processing statements and show you exactly where you're overpaying. No commitment required — just clarity.
Interchange optimization, ongoing
We actively monitor interchange qualification across all locations monthly. Downgrades get flagged and corrected — not silently charged through on the next statement.
Same-day escalation path
When something goes wrong at 11pm on a Saturday — hardware failure, processing outage, chargeback spike — you have a direct line, not a ticket number.
Strategic Account Review
Let's look at what you're actually paying.
Send us three months of processing statements. We'll return a written analysis that shows your current effective rate, where the inefficiency is, and what the same volume costs with SolvitaPay. No sales pressure. No obligation.
Prefer a direct conversation?
(815) 290-0639Request a Pricing Audit
We'll follow up directly — no automated queue.