Map the business and payment flows
Identify channels, systems, customers, locations, pricing, pain points and operating constraints.
A Practical Payment Review
Understand the payment environment. Then design the right change.
Selective Pay uses a structured discovery, analysis, design and implementation process so the recommendation fits the business before anything is migrated.
- No-cost initial discovery
- Statement and technology review
- Coordinated migration and support
Build the payment architecture
Compare processor, gateway, hardware, integration, pricing and account-structure options.
Implement without losing accountability
Coordinate applications, setup, testing, training, migration and post-launch support.
The Four-Step Process
A payment review should produce a decision—not another confusing proposal.
Each step narrows the options until the commercial and technical recommendation is clear.
Discovery and operating map
Review the business model, customers, locations, payment channels, average ticket, volume, software, equipment, reporting and current challenges.
Statement and technology analysis
Evaluate pricing, interchange qualification, fees, processor and gateway capabilities, contracts, devices, tokens, fraud controls and integrations.
Recommendation and implementation plan
Present the proposed merchant-account structure, payment methods, technology, pricing, responsibilities, migration sequence and expected outcomes.
Deployment and ongoing support
Coordinate applications, underwriting, configuration, equipment, testing, training, go-live, troubleshooting and future optimization.
What to Provide
The initial review can begin with a small amount of information.
Sensitive account numbers may be redacted. The goal is to understand the economics and architecture—not collect unnecessary data.
Three recent processing statements
Helps identify volume, card mix, pricing, fees, qualification and current account structure.
Processor, gateway and software
Include the POS, ERP, practice, property, ecommerce or custom systems that touch payments.
How customers pay today
In person, online, invoice, recurring, card-on-file, mobile, payment link, kiosk or call center.
What needs to improve
Cost, integration, reporting, service, fraud, settlement, equipment, revenue or customer experience.
What Happens Before Go-Live
Compatibility and responsibility should be clear before migration.
Underwriting readiness
Confirm ownership, products, fulfillment, policies, volumes, tickets, risk profile and required documentation.
Integration validation
Confirm supported processors, gateways, devices, APIs, certifications, credentials and testing requirements.
Pricing confirmation
Document interchange-plus or other pricing, transaction fees, gateway costs, equipment, PCI and ancillary charges.
Migration planning
Define account setup, token considerations, equipment deployment, training, parallel testing and cutover timing.
Reporting and settlement
Confirm funding, locations, departments, merchant accounts, reconciliation and management visibility.
Support ownership
Identify who handles gateway, processor, equipment, integration, chargeback and account-level issues.
Begin With Discovery
Start with your statements, systems and biggest payment challenge.
Selective Pay will help organize the current environment and determine the most useful next step.