Saved Per Merchant
ISO / Agent side per billing cycle
Saved Per Merchant
Merchant side per month
Hours Saved at Scale
Across a 1,000-merchant portfolio
The same work. A fraction of the time.
~56 min per merchant, every cycle
~0 min per merchant — fully automated
Beyond time savings, Fee Insider identifies hidden revenue leakage — often worth tens of thousands of dollars per year.
On average, about 8% of all card transactions downgrade to a higher interchange rate due to missing data, late batches, or card type mismatches. On a $50M portfolio, that's $60,000+ in avoidable fees every year — silently draining merchant margins.
Fee Insider surfaces every downgraded transaction with the reason code, dollar impact, and a specific recommendation to fix it — giving processors and merchants the visibility they need to recover real money.
~8%
Avg. downgrade rate
$60K+
Recoverable on $50M/yr
Estimated Downgrade Cost by Portfolio Volume
Level 2/3 Savings on $10M Commercial Card Volume
3.15% effective rate
2.75% effective rate
2.25% effective rate
Up to $90,000 saved per $10M in commercial cards
0.90% reduction from standard (3.15%) to Level 3 (2.25%)
Business and corporate cards carry higher interchange rates by default. But when merchants submit Level 2 or Level 3 enhanced data — like tax IDs, PO numbers, and line-item detail — networks reward them with significantly lower rates.
Fee Insider identifies every commercial card transaction eligible for Level 2/3 optimization and shows merchants exactly what data to collect — unlocking up to ~90 basis points in savings on those cards.
~0.90%
Potential rate reduction
$90,000
Saved per $10M in B2B cards
Drag the slider to match your portfolio size
279
hrs
Hours Saved / Month
34.9
days
Equivalent Workdays
3,348
hrs/yr
Annual Hours Reclaimed
$66,960
estimated annual value
Staff Time Reclaimed / Year
3,348 hrs/yr × $20/hr = $66,960
With Quiltt bank connectivity, Fee Insider connects processor data to actual bank deposits — turning support chaos into instant resolution.
Time to Resolution
Before
2-4 hours
After
15 seconds
99.8% faster
Manual Steps
Before
8-10 steps
After
1 step
90% fewer steps
Support Cost per Ticket
Before
$25-40
After
$1-2
95% reduction
Time savings, downgrade recovery, and commercial card optimization — in the real world
Payment Processor — Multi-State Operations
2400 merchants
60%
fewer funding dispute tickets
"We integrated Quiltt for bank connectivity and suddenly merchants stopped calling asking if their deposits landed. Fee Insider just shows them — in seconds. It's transformed our support model."
— VP of Customer Operations
Regional ISO — Southeast US
312 merchants
290 hrs/month
time saved
"What used to take my team all week now takes a few hours. Fee Insider paid for itself in the first month."
— ISO Principal
Independent Payment Processor
650 merchants
600+ hrs/month
time saved
"Our merchants stopped calling to ask about fees. The self-service portal changed everything for our support team."
— Director of Operations
Multi-State Agent Portfolio
180 merchants
167 hrs/month
time saved
"Residual calculations that used to take two days are now done before I finish my morning coffee."
— Independent Agent
B2B-Heavy Merchant Portfolio — Pacific Northwest
95 merchants
$47K/year
recovered
"We had no idea how many of our corporate card transactions were downgrading. Fee Insider flagged them all and showed us exactly what to fix. The savings showed up in the next billing cycle."
— Portfolio Manager
Wholesale Distributor — Midwest
Single merchant
$28K/year
saved in interchange
"Most of our customers pay with corporate purchasing cards. Fee Insider showed us we were eligible for Level 3 pricing on almost all of them. We implemented it in two weeks and the savings were immediate."
— CFO