Cutting Payment Processing Costs by 2% to Accelerate E-commerce Growth

A growing direct-to-consumer digital brand generating between $1 million and $5 million in annual revenue was scaling its operations across the United States. While expanding, the company relied heavily on traditional credit and debit card merchant gateways to process transactions.

The client faced two distinct operational bottlenecks. First, their existing merchant solutions were exceptionally expensive and continuously eating into their profit margins. Second, a segment of their target audience lacked access to credit cards, meaning the brand was actively turning away willing buyers. The client urgently needed a reliable alternative payment solution to capture these sales and reduce their overarching transaction costs.

Proprietary eCheck deployment

We provided the client with a dedicated eCheck account via Equipay, our proprietary payment platform. Because the entire underwriting process is internal to Equipay, we were able to quickly approve and onboard the client. This allowed them to securely accept digital checks directly from their customers without delay.

Turnkey ACH integration

To complement the eCheck system, we established robust ACH processing capabilities. Our team navigated the administrative hurdles by talking directly to third-party ACH providers and completing all necessary verification steps on behalf of the client.

The strategic shift to alternative payment methods delivered immediate financial relief to the growing brand.

By processing transactions through our Equipay platform and the newly established ACH channels, the client successfully reduced their overall payment processing costs by approximately 1% to 2%. This substantial cost savings allowed them to retain more capital per transaction.

Furthermore, the client was finally able to collect payments on time from a broader audience, eliminating the barrier to entry for customers without credit cards. The enhanced cash flow and reduced fee structure provided the financial stability the brand needed to sustain its impressive growth trajectory.

Payments and Financial Technology Team, Occams Advisory

We engineer the operational foundations and customized financial architectures scaling enterprises need to eliminate growth bottlenecks. Stop letting hidden inefficiencies and exorbitant transaction fees drain your profit margins. Let's build a resilient operational infrastructure that protects your cash flow and lets you keep the revenue your team worked so hard to earn.