Visibility
When you cannot see the true cost
Know what is costing you.
Panospect · available on its own“Unregulated Debit 2.65% – $2,650 on this $100,000 invoice.”
Payment economics, made clear
Protect your margin.Accept payments on your terms.
Merchant Economics shows B2B suppliers what getting paid really costs. It starts where margin leaks fastest: virtual cards. You already know your network and processor fees, but interchange, the largest and most variable part, stays hidden until after you are paid. We show it for every card before it is run, tied to the customer and invoice.
Why Merchant Economics
Address margin leakage one decision at a time.
Terms
When one rule does not fit every customer
Apply each customer's terms.
Rampart · add-on to Panospect“Customer X's terms require ACH above $25,000. Card option paused for this invoice.”
Growth
When pricing and terms ignore what getting paid costs
Negotiate from the numbers.
Savant · learns from your data“Customer X's card payments cost you $38,000 this year. Consider ACH above $25,000.”
Built to work together
Start with visibility. Add terms and intelligence as you grow.
Panospect captures every card and its cost. Rampart applies each customer's terms to what Panospect sees. Savant learns from both.
The loop compounds—each decision sharpens the next.
PanospectSee every card's cost as it arrives.
→+ RampartApply card limits and ACH thresholds by customer.
→+ SavantRecommend terms from your costs and decisions.
“Reduce costs where the economics support it—
not where the customer experience has to absorb it.”
Merchant Economics’ approach to payment-cost optimization
Meet Savant
Try it on the next card you receive.
Enter the first 11 digits of any virtual card, whether it came by email, phone, or portal. Savant shows what it will cost and what that means for this invoice. Then ask why, and what to do about it.
Try Savant free