01
Cost
Calculate the effective rate
Divide total processing costs by total card volume, then inspect what drives the result.
Explore Calculate the effective ratePAYMENTS WITH OPERATING CONTEXT
Payment processing should make the statement clearer.
Stratamize evaluates acceptance methods, account fit, hardware, boarding, and support beside the software workflow they have to serve.
A useful processing review
Look past a single advertised rate
The right comparison uses the actual card mix, transaction count, monthly fees, incidental fees, and operating requirements.
02
Fit
Match methods and hardware
Confirm how you accept payments, where transactions happen, and which terminals or workflows are required.
03
Support
Know who owns the problem
Clarify boarding, funding questions, chargeback support, device support, and escalation responsibilities.
Merchant boarding
A clean application is faster than a rushed application
Eligible low-risk merchants may receive expedited or automated review when the configured program, validation, documents, consent, and risk lane allow it. Approval is never guaranteed.
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01
Confirm program fit
Review the business model, payment methods, volume, ticket, ownership, locations, and requested capabilities.
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02
Complete the hosted application
Enter company, principal, bank, processing, and document information on the provider-hosted surface.
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03
Resolve validation or document needs
Correct incomplete fields and provide requested records through the approved secure channel.
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04
Underwriting decision
Only a verified provider approval begins merchant-account provisioning and payment activation.
STRAIGHT ANSWERS
Questions to settle before you switch
Can Stratamize promise a lower rate?
No. A useful comparison requires your real statement, card mix, transaction pattern, business type, and program terms. We explain the observed costs and available options.
Does submitting an application mean approval?
No. Submission begins provider review. Approval comes only from the underwriting provider after required validation, documents, consent, and risk review.
Where should sensitive documents be sent?
Use only the approved hosted application or secure upload path. Do not post bank, identity, ownership, or statement documents in social comments or ordinary direct messages.