Processing costs
Identify unnecessary markup, avoidable fees, and structures that no longer fit the account.
Merchant Services & Business SolutionsBetter payments.
Better payments.
Stronger business.
Understand your processing costs, improve how you get paid, and connect with business banking, SBA loans, other financing, and payroll solutions—all through one relationship.
✓ Month-to-month options✓ Faster funding✓ Business capital✓ Dedicated guidance
10+ yearsPayment experience
Month-to-monthProcessing options
Same-dayFunding when eligible
SBA lendingAnd business capital
Connor WhiteFounder
Meet the founder
If it doesn’t optimize your business, we won’t recommend it.
With more than 10 years of payment-processing experience, Connor White founded PayOptim Solutions to help business owners make informed decisions about their payments.
We review your costs, cash flow, and payment tools, then recommend changes that fit how you operate. If the value isn’t clear, we won’t recommend a switch.
What we optimize
One payment strategy across the entire business.
Pricing is only one part of the equation. The right setup also considers funding, equipment, customer experience, and how payments move through the business.
Funding speed
Improve cash flow with same-day merchant funding options when eligible, plus next-day funding solutions where applicable.
Payment systems
Compare point-of-sale systems, terminals, invoicing, mobile, gateway, and ecommerce needs together.
Support structure
Reduce friction with direct guidance during setup, onboarding, and daily operations.
Understand your processing costs
Know what you are paying, and why.
PayOptim translates the account into understandable categories, isolates the real opportunity, and explains the tradeoffs before you make a decision.
Illustrative example
Monthly card volume$100,000
Total processing fees$3,000
Effective rate3.00%
$3,000 ÷ $100,000 × 100 = 3.00%
Your effective rate is the share of card revenue paid in processing fees. It is a starting point—not proof that you are overpaying.
What we examine next: processor markup, recurring fees, card and transaction mix, and funding terms.
Example only. Not a client result, quoted rate, or savings guarantee.
Compare payment options
Choose the model that fits the business.
The right structure depends on average ticket, customer experience, margin, and operational preference.
Keep checkout familiar.
The business pays processing fees. Interchange-plus options separate the processor’s markup from underlying card costs.
- Merchant expense
- The business absorbs the cost of accepting cards.
- Customer experience
- A consistent listed price, without separate cash and card prices.
- Operational changes
- Review pricing and equipment; changes depend on your current setup.
- Worth considering when
- A familiar checkout experience is a priority.
Offer cash and card choices.
Separate cash and card prices can help offset processing expense. Suitability depends on your customers, operations, and applicable requirements.
- Merchant expense
- May reduce processing expense; review the full program costs.
- Customer experience
- Customers see clearly presented cash and card prices before paying.
- Operational changes
- Review price displays, checkout setup, and staff communication.
- Worth considering when
- Your customers and workflow support a two-price approach.
We compare both approaches before recommending a change. Program setup and applicable requirements must be reviewed for your business.
Beyond payment processing
One relationship. More ways to strengthen your business.
Payment processing is our core. When another part of the business can be improved, PayOptim can connect you with specialized banking, capital, payroll, insurance, and technology solutions.
Capital for your next move
SBA Loans & Business Financing
Explore Small Business Administration (SBA) loans for eligible business purchases, real estate, equipment, working capital, and expansion. We also help you explore other business-financing options when they better fit your needs.
PayOptim connects businesses with lending providers. The lender evaluates eligibility, makes the credit decision, and sets the loan terms.
Explore SBA & Financing Options$5K–$15MAcross financing products*
Business banking
Business checking and savings options, including faster access to merchant deposits when eligible.
Explore banking →Payroll & benefits
Payroll processing, tax filing, employee management, benefits, and related workforce solutions.
Explore payroll →Business infrastructure
Commercial insurance, managed technology, ecommerce, and other solutions that support operations.
Explore solutions →*The $5,000–$15 million range spans different financing products; it is not the range for every SBA program. SBA 7(a) loans have a maximum loan amount of $5 million. Availability, amounts, permitted uses, and terms depend on the program and lender. All financing is subject to underwriting and approval. Learn about SBA 7(a) loans ↗
Why PayOptim
Better decisions, not more complexity.
Every recommendation has to pass three tests: improve the economics, fit the way the business operates, and preserve flexibility.
Does it improve the economics?
We compare effective rate, recurring fees, funding impact, implementation cost, and expected long-term return.
Does it work better day to day?
We assess checkout experience, hardware, software, workflow, support, and how easily the solution can scale.
Know your terms before you switch.
We prioritize month-to-month processing options and explain the agreement before you decide. Contract length, cancellation fees, and equipment or software commitments vary by provider and program.
The process
Simple enough to start today.
No hard sell. No obligation. Just a structured review of the current setup and available alternatives.
Tell us what you need
Start with a short inquiry. For a payment review, contact Connor to arrange an appropriate secure way to share a recent statement.
Receive a clear analysis
Pricing, funding, hardware, gateway, and model fit are reviewed together.
Choose the right path
Keep what works, change what does not, and explore adjacent business solutions only when they create measurable value.
Common questions
What merchants ask before a review.
Can you help me explore SBA loans?+
Yes. PayOptim connects businesses with lending providers to explore SBA loans and other financing. Tell us the purpose of the financing and the approximate amount needed. Eligibility, approval, and terms are determined by the lender and the applicable program; an inquiry is not a loan application or approval.
What do you need for a statement review?+
Start with your contact details and a short overview of your payment setup. Connor can then help arrange an appropriate secure method for sharing a recent statement. Please do not include account numbers, card data, or other sensitive financial details in this form or an ordinary email.
Do you only recommend dual pricing?+
No. Traditional processing and dual pricing are compared based on business fit, customer experience, applicable requirements, and account economics.
Will I need to replace my existing equipment?+
Not necessarily. The goal is to improve the setup without creating unnecessary disruption.
Can you help me get merchant funds faster?+
Yes. Same-day merchant funding may be available for eligible merchants using qualifying business banking, with next-day funding options also available depending on the account and setup.
Do you only help with payment processing?+
Payment processing is our core. When it creates value, PayOptim can also connect businesses with banking, business capital, payroll, insurance, technology, and related operating solutions.
Will I be locked into a long-term processing agreement?+
PayOptim prioritizes month-to-month processing options rather than unnecessary long-term commitments. Terms vary by provider and program. We explain contract length, cancellation provisions, applicable fees, and any separate equipment or software commitments before you make a change.
Let’s find what works better.
For most clients, that starts with payment processing. If the bigger opportunity is banking, capital, payroll, or another operating need, we can evaluate that too.
No obligation. We use your inquiry to understand your needs and respond. A recommendation is made only when a change appears justified.