Payments run on confusion, hidden costs, and vendor-driven advice — and the industry prices all three in as the cost of doing business. We treat them as defects. Defects can be fixed.
Built by payments operators — Visa · Verifi · CardinalCommerce · Signifyd · Elavon · Global Payments
Each can be purchased independently, but they're designed to work together as a comprehensive payment optimization platform.
Register, manage, and validate the billing descriptors customers see on their statements — so they recognize charges. 61% of disputes trace to vague merchant descriptions or missing information — not fraud.
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Automatically reconcile your acquirer and processor statements every month, keep a full history, and see your true cost of payments — with anomalies, errors, and duplicate or excessive charges surfaced for you.
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Arkonyk's payment architecture practice. Independent strategy, processor selection, cost optimization, fraud reduction, and global expansion from senior operators.
Learn more →Millions of people stare at a statement line every month and cannot tell who charged them. The industry prices that confusion in as a cost of doing business — we treat it as a defect, and defects can be fixed. Descriptors.com is the registry where merchants declare who they are, so every charge can explain itself and the dispute button stops being the bank's only answer.
Reconciling processor statements devours days and still hides the story. FeeSuite makes it a quick 15-minute monthly routine — statements in, answers out.
The biggest payments decisions are ones you only get to make once. ARKITEKT puts senior operators at your table — 15+ years across fraud, acquiring, and card-network strategy — who make specific, best-of-breed recommendations and stay through deployment. The recommendation is the product, not a referral.
Six questions, about three minutes: authorization rate, fraud, chargebacks, refunds, disputes, and what you actually pay to process. Benchmarked against your business model — not a generic average — with an instant read on where you're strong and where you're leaking money.
2.9% effective rate · $62 avg ticket
At a $62 average ticket, the interchange floor for this MCC is 2.11%. The reported 2.9% is a gap of about 79 bps — roughly $7,887 a year on $1M of volume.
Directional estimate — the tool marks what's authoritative versus indicative, and never invents an “industry average.”
Schedule a 30-minute call to learn more or see a demo — we'll walk through your payment setup and show you where Arkonyk fits.
