One view of everything
Every MID and every website on one screen: volume, approvals, chargebacks, dispute alerts and deposits, measured the same way.
Consulting after approval
We stay on your account after it’s approved
Most providers hand you a merchant account and a support number. We give you a bird’s-eye view of all your processing and a consultant who uses it to keep your account healthy, efficient and ready to grow.
The difference
Approval is step three of six
- ApplyTwo minutes to start
- MatchThe processor that fits you
- ApproveAccount live
- MonitorDaily, every account
- OptimizeFees, approvals, fraud tools
- GrowLimits, backups, new rails
The bird’s-eye view
Every account, every processor, one screen
Each processor reports differently, in its own portal, on its own schedule. Our software pulls it together and measures every account the same way, so problems surface early and comparisons are fair.
- Volume, approvals, disputes, dispute alerts and deposits
- Card and ACH accounts side by side
- Alerts when something moves
Inside the platform
What we watch for you
See your ratio before the card brands do
Dispute and fraud ratios tracked daily, by card brand and by account, with a forecast of where the month will close. If the line is heading toward a threshold, you hear from us first.
- Daily ratio by Visa and Mastercard
- Month-end forecast
- Alerts and RDR set up before it’s urgent
Sample data
Recover sales you didn’t know you were losing
Every decline grouped by reason. We fix what can be fixed, like descriptors, retry timing and checkout fields, and show you the revenue it brings back.
- Approval rate by account and card type
- Decline reasons ranked by lost revenue
- Fixes reviewed with you monthly
Sample data
Stop fraud and disputes before they count
Your payment stack, tuned: 3DS and fraud scrub rules on the gateway, protection against BIN attacks, and RDR, Ethoca alerts and VDO to resolve disputes before they become chargebacks. What still comes through, we answer with compelling evidence.
- 3DS and fraud scrub rules
- BIN attacks blocked at the gateway
- RDR, Ethoca alerts and VDO, tracked per account
Sample data
- 9:42 AMRDR Visa dispute refunded automatically$49
- 8:15 AM3DS Fraud liability shifted to the issuer$312
- YesterdayFraud scrub BIN attack blocked: 1,204 card tests$0 lost
- YesterdayEthoca alert Refunded before it became a chargeback$128
- Disputes stopped this month, all accounts74
Keep bank payments from bouncing back
Returns tracked by reason code, with the patterns behind them. High return rates bring scrutiny, so we catch them while they’re small.
- Return rate by account
- Breakdown by return code
- Fixes for verification and timing
Sample data
Return rate0.56%Last 30 days, eventsbybloom.com
Your account review
What we go through with you
On a rhythm that suits your business, usually monthly, and right away when something needs attention.
- 01Dispute and fraud ratios by card brand, against each threshold
- 02Month-end forecast, and what to do if it’s heading the wrong way
- 03Your effective rate, and any new or increased fees
- 04Declines ranked by lost revenue, with fixes
- 05Fraud scrub, 3DS and dispute alerts (RDR, Ethoca, VDO): what each one caught
- 06ACH returns by reason code
- 07Volume against your approved limits
- 08Agreed next steps, with who does what
What consulting covers
Everything you need to thrive
Chargeback & VAMP watch
Ratios tracked daily by card brand, with a month-end forecast. We call you before you get near a threshold.
Fee and rate reviews
We read your statements so you don’t have to, track your effective rate, and go back to the processor when fees creep up.
Approval-rate tuning
Declines broken down by reason, with fixes to descriptors, retries and checkout that recover real revenue.
Fraud and dispute tools
3DS, fraud scrub rules and protection against BIN attacks, plus RDR, Ethoca alerts and VDO to stop disputes before they count. We tune them so good customers still get through.
Room to grow
Higher limits, backup accounts, ACH and new markets, arranged before you need them rather than after a hold.
Who it’s for
Built for merchants who can’t afford surprises
High-risk merchants
You worked hard to get approved. We make sure a ratio spike or an unnoticed fee doesn’t undo it.
Growing businesses
Volume is climbing toward your limits. We arrange more capacity and backup accounts before a hold forces the issue.
Multi-processor merchants
Several MIDs, several portals, several statement formats. We put them in one view and one conversation.
FAQ
Consulting questions
How are you different from other providers?
Most providers open your account and move on to the next one. We stay with you. We plan for the long haul: watching your ratios, fees and fraud tools every day, fixing problems before they put the account at risk, and adding capacity when you’re ready to grow. The goal is simple: keep you open, and keep you growing.
Is consulting included with my account?
Ask your consultant about the plan that fits your account. Every PaymentHelp merchant gets a named person to call. The depth of reviews depends on your volume and needs.
Which accounts can I see in the platform?
The accounts we place for you, across the processors we work with. Each one appears in the same view with the same measures, so you can compare them side by side.
How often will we review my account?
We agree a rhythm that suits your business, typically monthly. You also hear from us right away when something needs attention, such as a ratio heading toward a threshold.
Can you help with an account you opened elsewhere?
Often, yes. Send us recent statements and we’ll show you what we see and what we’d change.
See your processing the way we do
Send us your recent statements. We’ll show you what we see across your accounts and what we’d change first.