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MY PAYTRIOT™
REFUSE TO OVERPAY.
TURN YOUR COST STRUCTURE INTO A PROFIT CENTER.
The Industry Is Changing
Why Merchants Can’t Ignore What’s Coming
A recent Chicago Tribune analysis revealed that a proposed $200+ billion settlement between Visa, Mastercard, and thousands of merchants may still fail to resolve the long-standing battle over rising card fees. Retailers from Walmart to the National Restaurant Association continue to warn that the fee structure is becoming more unpredictable—and more expensive—for businesses.
What this means for you:
Volatile Interchange
Interchange fees continue to shift, and volatility is expected to increase—not decline.
Settlements Not Guaranteed
Court rulings and billion-dollar settlements offer no dependable relief for merchants.
Rising Costs
Without proactive steps, card-acceptance costs will continue to rise—quietly and steadily.
Proactive Optimization
The only reliable defense is controlling your own data, qualification, and cost structure.
MY PAYTRIOT™ equips merchants to stay ahead of these shifts—with automated Level III qualification, CEDP readiness, and financial clarity that prevents overpayments before they occur.
Refuse to overpay. Take control.
The PAYTRIOT Solution
Built for Merchants Who Refuse to Overpay
While the industry grows more unpredictable, MY PAYTRIOT™ provides merchants with a stable, disciplined way to protect their margins. Our platform brings clarity, automation, and Level III enrichment directly into your existing workflow.
What PAYTRIOT Delivers:
Level III Data Automation
Automatic enrichment ensures optimal qualification on corporate, purchasing, and government cards, preventing silent downgrades that inflate costs.
CEDP-Ready Infrastructure
As Level II sunsets, PAYTRIOT positions you to remain compliant and cost-efficient without changing your current processes.
Clean ERP Posting
Payments flow directly into QuickBooks, NetSuite, Microsoft Dynamics, Sage, and other leading ERPs, eliminating double entry and reducing reconciliation errors.
Faster, Predictable Deposits
Optimized funding windows improve cash flow and give finance teams the reliability they need to plan operations confidently.
Why PAYTRIOT Works When Others Don’t
Traditional processors react to industry changes; PAYTRIOT prepares you for them.
1
No surprises
2
No hidden shifts in qualification
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No last-minute scrambles as Visa and Mastercard change rules
Just a steady, optimized system that puts you in control of your costs and cash flow.
Your Workflow Stays the Same — Your Costs Don’t
PAYTRIOT fits into the way you already operate. The only change you’ll notice is the savings.
Platform Features
Purpose-Built for B2B, B2G, High-Ticket, and Recurring Merchants
MY PAYTRIOT™ is engineered for the real-world complexities of corporate and government card acceptance. Every feature reflects the needs of merchants who rely on predictable funding, clean reconciliation, and data-rich transactions that qualify at the lowest possible cost.
1
Automated Level III Qualification
The core engine of MY PAYTRIOT'S value. It enriches transactions automatically with freight, item detail, PO numbers, and tax data. This ensures optimal qualification for corporate, purchasing, and government cards, preventing hidden downgrades that raise interchange without warning.
Result: Lower costs and a transparent qualification process.
2
CEDP-Ready Architecture
Built for the April 2026 shift when Level II sunsets and Level III becomes the new standard. Paytriot handles these requirements behind the scenes, ensuring merchants remain compliant and cost-efficient without modifying their workflow.
Result: A future-proof payments operation.
3
ERP-Native Payment Posting
Eliminates double entry at the source. Compatible with QuickBooks, Oracle NetSuite, Microsoft Dynamics 365 Business Central, Sage Intacct, Xero, FreshBooks, and others. Payments post directly to correct invoices, customer records, and GL accounts.
Result: Clean books, fewer errors, and faster month-end reconciliation.
4
Optimized Funding & Cash Flow
Designed for merchants who depend on precise deposit timing. Features predictable funding windows, smart-batch timing to improve interchange outcomes, high-ticket stability, and support for recurring billing cycles and vaulted profiles.
Result: Greater operational confidence and reduced financial uncertainty.
5
High-Ticket & Government Card Stability
Purpose-built safeguards for industrial and government suppliers, including support for GPC (government purchase cards), corporate and fleet bins, and tailored handling for transaction spikes and contract billing.
Result: Reliable processing for the transactions that matter most.
6
White-Label ISO Portal for Reps & Partners
Built on traditional relationship-driven principles, allowing partners to retain the relationship while Paytriot handles the optimization. Features zero-cost adoption for merchants, residual visibility, and monthly reporting.
Result: Reps become an indispensable asset to their merchants.
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Financial Intelligence Dashboard
Provides clear, actionable reporting rarely received from traditional processors. Includes Effective Rate Detection (ERD%), interchange drift alerts, downgrade analysis, batch-timing optimization recommendations, and card-type cost transparency.
Result: Immediate insight into where money is being lost and efficiently optimized.
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Secure Vaulting & Recurring Profiles
Built for recurring invoices and ongoing B2B relationships. Features tokenized card storage, contract-billing cycles, automatic reminders, and retry logic, significantly reducing manual follow-up by AR teams.
Result: Predictable revenue cycles with fewer touch points.
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No Disruption to the Merchant’s Workflow
A hallmark of traditional, reliable operations. There's no platform migration, new hardware, or bank changes required. Minimal training is needed, with adoption typically completed in under 24 hours.
Result: Day-one value with no operational burden.
The Platform Keeps Working Behind the Scenes: Merchants continue doing business as usual. MY PAYTRIOT automates the rest — qualification, compliance, reconciliation, and financial reporting. This results in a stable, disciplined system that protects margins and strengthens cash flow.
Who MY PAYTRIOT Is Built For
Precision-Engineered For the Merchants Most Affected by Rising Interchange, CEDP, and High-Ticket Card Acceptance.
MY PAYTRIOT™ serves organizations where payment precision, financial clarity, and operational stability are not optional—they are essential. These are the sectors facing the steepest cost increases, the strictest data requirements, and the most complex transactional workflows.
Rising Costs & Interchange
Targets merchants grappling with escalating transaction fees and hidden interchange downgrades that erode profitability.
Strict Data Compliance
For organizations needing to meet stringent Level III data, CEDP compliance, and comprehensive reporting standards.
High-Ticket & Complex Transactions
Designed for businesses handling large-value transactions, government cards, or intricate recurring billing scenarios.
MY PAYTRIOT™ is engineered to meet the distinct demands of specific merchant segments, providing tailored solutions where payment precision and operational stability are paramount.
B2B & Industrial Suppliers
Merchants processing high-ticket corporate card transactions for essential inventory, tooling, and supply-chain flows.
Ideal for:
  • Industrial distributors
  • MRO suppliers
  • Manufacturing components
  • Technical sales networks
Why MY PAYTRIOT: These businesses face significant volatility in interchange and high corporate card costs. Level III automation delivers immediate savings.
Aerospace & Defense Subcontractors
Vendors operating within strict financial and operational frameworks, supplying critical components.
Ideal for:
  • CNC machining firms
  • Composites manufacturers
  • Landing gear & precision tooling suppliers
  • Electrical, hydraulic, & avionics component vendors
Why MY PAYTRIOT: Government cards and purchasing programs demand precise data. Paytriot ensures automatic compliance and clean ERP posting.
Government Contractors / B2G Vendors
Merchants accepting Government Purchase Cards (GPC) and managing recurring contract payments.
Ideal for:
  • Federal, state, & municipal suppliers
  • Service contractors
  • Infrastructure & equipment providers
Why MY PAYTRIOT: CEDP and Level III requirements are tightening. Paytriot guarantees proper card qualification and eliminates manual reconciliation.
CRM/ERP-Driven Finance Teams
Organizations where accounting accuracy is mission-critical, relying on robust enterprise resource planning systems.
Serves teams using:
  • QuickBooks
  • Oracle NetSuite
  • Microsoft Dynamics 365
  • Sage Intacct
  • Xero, FreshBooks, & others
  • Shopify
Why MY PAYTRIOT: Payments post directly to invoices, customers, and GL accounts, removing double entry and reducing month-end workload.
Businesses with Recurring or Contract Billing
Organizations dependent on predictable revenue cycles and streamlined invoicing processes.
Ideal for:
  • Service agreements
  • Maintenance contracts
  • Subscription-style B2B billing
  • Municipal or school district vendors
Why MY PAYTRIOT: Vaulted profiles, recurring schedules, and automated retries reduce AR overhead and stabilize cash flow.
In Short: MY PAYTRIOT Serves Merchants Who Cannot Afford Uncertainty
If rising card fees, qualification rules, ERP inaccuracies, or inconsistent deposits affect your bottom line, MY PAYTRIOT™ was built for you. We deliver traditional stability with modern financial precision—all without disrupting your workflow.
How MY PAYTRIOT™ Works
A Stable, Efficient System That Fits Directly Into Your Existing Workflow
MY PAYTRIOT™ was designed with a traditional principle in mind: don’t disrupt the merchant — improve the process around them.
01
Effortless Integration
No platform migration, new hardware, or bank changes are required. MY PAYTRIOT™ integrates seamlessly into your current operations, often with adoption completed in under 24 hours.
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Automated Optimization
Merchants continue business as usual while MY PAYTRIOT™ works behind the scenes, automating interchange qualification, Level III data, and compliance to reduce costs and prevent downgrades.
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Financial Clarity
The system delivers accelerated deposits, automated ERP posting, and executive-grade financial visibility through precise reporting and reconciliation, strengthening cash flow and protecting margins.
MY PAYTRIOT™ seamlessly integrates into your operations, enhancing efficiency without altering your current workflows.
Seamless Enrollment
Quick onboarding with minimal effort. No new software, hardware, or bank changes. Setup typically completed in under 24 hours.
Outcome: Your business stays fully operational with zero friction.
Direct ERP Connection
Cleanly integrates with your existing accounting systems, including QuickBooks, Oracle NetSuite, and Microsoft Dynamics 365.
Outcome: Payments post automatically, eliminating manual data entry.
Automated Level III Qualification
Every applicable transaction is enriched with essential data (PO numbers, line-item details, tax, freight) for the lowest interchange rates.
Outcome: Lower processing costs without workflow changes.
Continuous Financial Optimization
The platform constantly monitors and improves payment performance, preventing downgrades and optimizing batch timing.
Outcome: Clear, ongoing financial advantage, effortlessly.
The entire process works behind the scenes, allowing your team to continue their work uninterrupted. MY PAYTRIOT™ automates qualification, reconciliation, and cost optimization, delivering quiet efficiency, predictable deposits, and lower costs—all without disruption.
The Payoff for Merchants
Immediate Value
Unlock immediate financial gains and streamline operations from day one. Reduce processing costs and gain clarity quickly.
Long-Term Stability
Build a resilient financial foundation, protected from rising interchange, compliance changes, and market volatility.
Zero Disruption
Integrate without altering existing workflows, ensuring continuous business operations and undisturbed productivity.
The businesses that proactively address CEDP, rising interchange, and Level III requirements will secure significant financial advantages. Those that delay will continue to absorb avoidable costs, quietly eroding their bottom line.
The Payoff for Merchants: Detailed Advantages
MY PAYTRIOT™ delivers tangible benefits across your financial operations, ensuring sustained growth and stability.
Lower Processing Costs
Automated Level III qualification and optimized batching reduce the effective rate on corporate, purchasing, and government cards.
Result: Merchants stop overpaying for transactions they already process every day.
Faster, Predictable Deposits
Paytriot improves cash flow by aligning batch timing with funding cycles and preventing costly downgrades.
Result: Greater financial stability for inventory, payroll, and operating expenses.
Clean, Accurate Financials
Payments flow directly into your ERP, eliminating double entry and reducing reconciliation errors.
Result: Controllers and finance teams gain cleaner books and smoother month-end closes.
CEDP Readiness & Future-Proof Compliance
As Level II sunsets and card networks expand Level III requirements, Paytriot keeps merchants aligned without requiring workflow changes.
Result: Compliance handled behind the scenes — no operational burden.
Clear Financial Intelligence
Merchants receive reporting they’ve never had before: effective rate detection, interchange drift alerts, downgrade patterns, and card-type cost breakdowns.
Result: Every month becomes clearer, more predictable, and easier to manage.
The Advantage Compounds Over Time
Every month, MY PAYTRIOT prevents losses, improves qualification, strengthens cash flow, and preserves profitability.
Immediate savings. Lasting financial control. No disruption to your business.
Why MY PAYTRIOT Works When Others Don’t
A Purpose-Built System for the Realities of B2B & B2G Payments
Most payment solutions were designed for retail or e-commerce, leaving a critical gap for businesses handling corporate, government, or high-value transactions. These generic systems often fall short when it comes to the nuanced demands of B2B and B2G environments.
MY PAYTRIOT™ is different. We are meticulously engineered to handle these complexities, providing the precision and operational stability that other platforms simply can't offer.
Why MY PAYTRIOT Works When Others Don’t
MY PAYTRIOT™ is purpose-built to navigate the complexities of B2B and B2G payments, offering specialized advantages where generic systems fall short.
Built for Level III, Not Retail Volumes
Traditional processors struggle with corporate, purchasing, and government cards, leading to downgrades and higher interchange. MY PAYTRIOT™ is engineered to ensure every applicable transaction qualifies automatically for optimal rates.
Outcome: Lower processing costs by correctly qualifying every transaction.
ERP-Native Posting for Accuracy
Unlike systems that treat accounting as an afterthought, Paytriot anchors financial workflow directly into QuickBooks, NetSuite, Dynamics, and Sage. This eliminates double entry and mismatched invoices.
Outcome: Cleaner books and fewer operational errors, simplifying month-end closes.
Smart-Batch Timing & Downgrade Prevention
Legacy systems batch on demand; Paytriot optimizes batch timing to protect qualification and ensure consistent funding. This proactive approach safeguards your financial stability.
Outcome: Lower costs and faster, more predictable deposits without manual intervention.
CEDP-Ready Architecture
While others react to the Level II sunset and expanding Level III requirements, Paytriot is already aligned with the April 2026 shift. Stay ahead of compliance changes effortlessly.
Outcome: Continuous compliance and cost optimization, handled seamlessly behind the scenes.
Financial Intelligence for Informed Decisions
Move beyond confusing statements. Paytriot provides clear insights: effective rate transparency, interchange drift alerts, downgrade pattern analysis, and card-type cost structures.
Outcome: Complete understanding of payment costs and drivers, enabling better financial management.
Zero Disruption to Your Operations
Traditional processors often demand new terminals, software, or workflows. MY PAYTRIOT™ integrates without altering your existing setup, ensuring a smooth transition and adoption.
Outcome: Easier adoption, faster value realization, and no operational risk to your business.
MY PAYTRIOT™ excels where traditional processors fail, performing flawlessly in the complex world of corporate, government, high-ticket, recurring, and ERP-posted payments.
Partner Program Overview
A Selective Program for Reps Who Want to Deliver Real Value — and Earn Recurring Revenue Doing It
The Paytriot Partner Program strengthens the relationship between reps and their merchants. We provide a tool that delivers measurable financial savings, cleaner workflows, and predictable cash flow, all at no cost to the merchant.
This is not a commodity offering.
It’s a long-term value engine.
Build Stronger Merchant Relationships
Reps become trusted advisors, not just transactional sellers. Paytriot lowers merchant costs, improves operational efficiency, and provides monthly financial insight.
Outcome: Merchants stay loyal as reps integrate into their financial ecosystem.
Zero-Cost Merchant Adoption
Merchants pay nothing to adopt Paytriot. There's no software migration, hardware purchase, banking disruption, or operational risk.
Outcome: High conversion rates and frictionless onboarding.
White-Label ISO Portal
Partners gain access to a professional, branded environment with merchant portfolio analytics, residual tracking, statement uploads, and branded communication tools.
Outcome: Reps strengthen their credibility and expand their influence.
Recurring Monthly Residuals
Every merchant becomes a long-term revenue stream. Residuals grow as merchants process more volume or expand features.
Outcome: Partners build a portfolio that compounds over time.
Full Backend Support
Partners don't need technical expertise. MY PAYTRIOT handles integration, optimization, support, financial reporting, and statement analysis.
Outcome: Reps focus on relationships while Paytriot handles operations.
Ideal for Industry-Focused Reps
Perfect for industrial distributors, aerospace & defense reps, MRO, tooling, government contractor consultants, ERP advisors, and independent ISO agents.
Outcome: MY PAYTRIOT becomes an extra profit center for an existing book of business.
A Partnership Built on Traditional Principles
Relationships matter. Service matters. Financial clarity matters.
MY PAYTRIOT gives partners a solution merchants value — with recurring income that rewards consistency and professionalism.
A Clear Advantage for Professional Reps, Agencies, and ISO Partners
The MY PAYTRIOT™ Partner Program is built for specialists who want to deliver measurable value to merchants while creating long-term recurring income.
Strengthened Merchant Loyalty
Your merchants stay with you because the value you provide improves their cost structure, workflows, and financial clarity.
Branded White-Label Portal
A professional portal carrying your brand, giving you credibility and ownership of the relationship while Paytriot handles the optimization.
Recurring Monthly Residuals
Partners build a portfolio that grows over time — stable, predictable, and tied to high-value B2B/B2G processing volume.
Zero-Cost Merchant Adoption
No investment required by the merchant, which removes friction and accelerates onboarding, making it an easy sell for your clients.
Full Backend Support & Optimization
Paytriot manages the technical heavy lifting — integrations, Level III automation, reconciliation, and cost optimization — so partners don’t have to.
Advanced Statement Intelligence
Partners gain access to clarity tools like interchange drift detection, downgrade alerts, and card-type cost structures. These provide immediate authority in any account.
This program offers a differentiated solution that strengthens every relationship, expands your footprint, and provides recurring revenue built on real value — not just commodity processing.
Become a Paytriot Partner
Join a Select Group of Professionals Bringing Real Financial Value to B2B & B2G Merchants
If you already serve industrial suppliers, government contractors, aerospace subcontractors, or high-ticket B2B merchants, Paytriot allows you to offer something those businesses rarely receive — clarity, efficiency, and measurable savings with no cost or disruption.
This is a partnership built for individuals and agencies who take pride in long-term relationships and steady, recurring revenue.
Why Partners Join Us
Strengthen Existing Relationships
Become a vital resource, improving your clients' cost structures and workflows.
Become a Financial Efficiency Expert
Clients will rely on your insights for measurable savings and predictable cash flow.
Earn Ongoing Residuals
Build a portfolio that generates steady, recurring income, not one-time commissions.
Deliver Day-One Value
Offer a solution with zero friction and immediate impact for your merchants.
Who We’re Looking For
Industrial distribution reps
Technical sales professionals
Aerospace & defense supply-chain reps
MRO & tooling reps
Independent ISO agents
Consultants serving B2B/B2G ecosystems
If you operate with professionalism, integrity, and a commitment to long-term service, you will find a strong home here.
Ready to Begin?
Become a partner and build lasting value for your merchants — and recurring revenue for yourself.
A Partnership Built to Last
Traditional business values still matter: service, clarity, loyalty, and consistent execution. Paytriot equips you to deliver all four.
Immediate Improvements. Lasting Financial Control. No Disruption.
MY PAYTRIOT™ delivers consistent, measurable value from the moment a merchant begins processing. Below is a clear summary of the most important outcomes merchants experience — the results that matter to owners, CFOs, controllers, and AR teams.
Immediate Cost Savings
Merchants experience significant reductions in payment processing fees from the first transaction, boosting profitability without requiring any upfront investment.
Unrivaled Financial Clarity
Gain deep insights into interchange costs and card types, allowing for informed financial decisions and proactive cost management.
Zero Operational Disruption
MY PAYTRIOT™ integrates seamlessly with existing systems, requiring no software changes, hardware purchases, or banking disruptions.
Enhanced Cash Flow & Control
Achieve predictable revenue streams and minimize financial surprises through optimized payment processing and detailed reporting.
The Payoff for Merchants: Detailed Advantages
MY PAYTRIOT™ delivers tangible benefits across key operational and financial areas for B2B/B2G merchants. Here’s a closer look at the transformative outcomes:
1
Lower Total Processing Costs
Automated Level III qualification reduces interchange on corporate, purchasing, and government cards. Merchants capture savings previously lost to silent downgrades and missing data.
2
Faster, More Predictable Deposits
Smart batch timing and optimized qualification create consistency in funding, leading to better cash flow planning, fewer operational delays, and smoother inventory cycles.
3
Clean, Accurate ERP Posting
Payments are recorded correctly inside QuickBooks, NetSuite, Dynamics, Sage, and other systems, ensuring no double entry, fewer reconciliation issues, and improved month-end accuracy.
4
Stronger Financial Visibility
Merchants gain unprecedented transparency:
  • Effective rate breakdown
  • Interchange drift alerts
  • Downgrade pattern reports
  • Card-type cost structures
  • Batch timing optimization
Business owners finally understand what they’re paying and why.
5
Zero Operational Disruption
There is no software migration, no workflow redesign, and no new hardware required. Every Paytriot benefit happens behind the scenes, keeping the merchant’s day-to-day unchanged.
6
A Future-Proof Payment Strategy
As CEDP requirements expand and Level II sunsets, Paytriot users avoid rising costs affecting others, gaining long-term protection against interchange volatility.
The Net Result
MY PAYTRIOT™ delivers a more efficient operation, a clearer financial picture, and a stronger bottom line — every single month. Merchants don’t change how they work; MY PAYTRIOT™ changes the results.
Get Started With MY PAYTRIOT™
The Simplest Way to Stop Overpaying and Strengthen Your Financial Workflow
You’ve seen how the industry is changing — rising interchange, Level III requirements, CEDP, funding volatility, and ongoing disputes between merchants and the card networks. MY PAYTRIOT™ is the practical, stable answer built for today’s B2B and B2G environment.
The next step is simple:
Upload Your Merchant Statement
Receive a confidential, no-cost analysis of your last 3 months. We’ll show you your true effective rate, where interchange drift is occurring, and how Level III automation reduces your costs. No obligations, no disruption, just clear financial insight.
Schedule a Call
Prefer to talk through your workflow or ERP setup first? Speak with a MY PAYTRIOT™ specialist who understands industrial supply, defense vendors, high-ticket B2B billing, and government purchasing processes.
Become a Partner
If you serve B2B/B2G merchants, MY PAYTRIOT™ gives you a way to provide financial clarity and earn recurring revenue with a program built on traditional relationship principles and delivering tangible value.
Take Control of Your Cost Structure
Your operations stay the same. Your financial results improve. And your business gains the stability it deserves. Refuse to overpay. Start with MY PAYTRIOT™.
Connect with MY PAYTRIOT™
Explore our comprehensive resources and join a partnership built for success.
Built on Traditional Principles. Powered by Modern Optimization.
MY PAYTRIOT™ delivers dependable financial efficiency for merchants who refuse to overpay and value operational clarity. No disruption. No workflow changes. Immediate value.
© 2025 MY PAYTRIOT™. All Rights Reserved.