A sub-ISO found years of residual variance in one audit · Midcore Operations
Midcore Operations
Managed Payments Operations

A sub-ISO found years of residual variance in one audit

Residual statements had been accepted as correct since the business started, because nobody had the time or the method to check them line by line.

Sub-ISO with multiple processor relationships
Client type
4 weeks, then monthly
Duration
Consulting project, then retainer
Engagement model
2
Services used

01 The challenge

  • Pricing and agreements had changed repeatedly; the statements had not kept up.
  • Variances were small per merchant and invisible in aggregate.
  • There was no model showing where portfolio revenue actually came from.

02 What we did

  1. 01 · Collect

    Agreements, schedules, residual reports, and merchant pricing data, handled under NDA.

  2. 02 · Audit

    A line-by-line reconciliation of statements against agreements and merchant data.

  3. 03 · Document

    A variance report with findings documented well enough to take to the processor.

  4. 04 · Institutionalise

    A monthly reconciliation process and a maintained pricing model the client's own team runs.

03 What changed

  • Variances documented and supported through the recovery conversation, which the client owned.
  • A pricing model the finance team refreshes quarterly.
  • Monthly reconciliation replaced the annual guess.
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Subscription merchant processing at scale
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  • Anything you share is handled under NDA
  1. 01Within 1 business dayA US-based practice lead replies and books the call.
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