Payments Expertise You Can Trust
We understand the technology, economics, and complexities of payments and put that expertise to work for our clients.
Our Expertise Spans The Entire Payments Ecosystem
Payments With a Purpose provides businesses with payment processing solutions designed to improve profitability, strengthen operations, and support better payment decisions.
We understand how the pieces fit together—from processing and interchange to payment technology, integrations, security, compliance, and everything in between. Our decades of experience allow us to look beyond a single processor or product and evaluate the complete payments environment.
That depth of knowledge allows us to look beyond simply processing transactions and focus on how every component of the payment environment can work together to support your business. It’s the combination of experience, perspective, and industry expertise that enables us to deliver solutions that are truly aligned with your business.
Our Core Strengths
Analyzing Statements
Our detailed statement analysis, conservative worst-case scenarios, and proven accuracy give merchants confidence in our projected savings.
Interchange Optimization
With interchange accounting for more than 80% of a merchant’s processing costs, our expertise in ICO is critical to maximizing margins.
Visa CEDP
The Visa Commercial Enhanced Data Program (CEDP) is a new interchange structure that replaced the legacy Level 2/3 program in the U.S. on October 18, 2025.
Interchange + Pricing
The only traditional pricing model designed to benefit the merchant, provided the processor is transparent, and competitive.
Surcharge Program
Fully compliant surcharge program, which helps reduce payment card acceptance costs by 50%-70%.
Cash Discount
Offers merchants the flexibility to pass processing costs on to customers, helping offset up to 100% of their processing expenses.
Integrated Solutions
Compatible with most ERP’s in the Wholesaler/Distributor space. Epicor, DMSi, DDI, Microsoft Dynamics, and more.
Security
Securely handle card-on-file billing with tokenization, replacing sensitive data with secure tokens to reduce breach risks.
Quick Resolution
We don’t just respond—we resolve issues quickly, efficiently, and with minimal disruption to your business.
Ongoing Account Management
Regular merchant account reviews designed to identify opportunities to reduce processing costs and maximize your margins.
Understanding Visa's CEDP
Ready to Find Better Payment Solutions?
Discover how Payments With a Purpose's expertise can help you identify opportunities to reduce processing costs, improve cash flow, and strengthen your payment strategy.