Our leadership combines national-security systems expertise with a decade of payment optimization and financial data intelligence. This unique combination creates a platform that's both strategically sound and operationally bulletproof. Curtis Cooper B2B Payments Specialist & Interchange Optimization Expert Curtis has optimized $833M+ in corporate, government, and high-ticket payment volume since 2017. He serves machine shops, aerospace suppliers, industrial distributors, recurring-billing merchants, and online brands. His work consistently delivers measurable savings, downgrade elimination, EBITDA uplift, and workflow clarity—rooted in traditional business values: relationships, transparency, and consistency. Curtis lives in Milford, CT. Joey Wang Advanced Technology & Data Science Analytics Joey brings disciplined, systems-driven expertise shaped by years at The Pentagon, Naval War College, Harvard Kennedy School, and National Defense University. His work in IT systems architecture, advanced technology, and small business innovation ensures MY PAYTRIOT™ maintains rigorous data integrity, protocols, and federal compliance. Joey lives in Milford, CT. Our Values & Principles Financial Clarity Above All Transparent reporting and honest communication in every interaction. Precision in Every Detail Defense-grade accuracy in data handling and transaction processing. Zero Workflow Disruption Optimization happens behind the scenes while operations continue seamlessly. Partnership Over Transaction Long-term relationships built on trust, not one-time sales. Accountability You Can Count On Responsive support and clear ownership of outcomes. Stability Through Change Reliable infrastructure that adapts to regulatory shifts automatically. The Principle That Guides Everything Protect the merchant. Strengthen their finances. Deliver results without disruption. Rooted in traditional American business values: Respect. Reliability. Responsiveness.

Empowering Merchants Merchants shouldn't need to become payment experts to avoid overpaying. The complexity should be handled behind the scenes. Predictable Outcomes Controllers and CFOs deserve stability—not surprises. Financial reporting should be accurate, timely, and transparent. Enhanced Relationships Reps should have tools that deepen trust, not complicate operations. Technology should strengthen partnerships. Seamless Optimization Optimization should work quietly, reliably, and automatically behind the scenes—without requiring constant attention. Why We Built MY PAYTRIOT™ The payments landscape is changing rapidly. Merchants now require a partner who understands defense-grade precision, enterprise financial strategy, real-world interchange optimization, and ERP-native workflows. We built MY PAYTRIOT™ to protect merchants from rising interchange fees, expanding Level III requirements, data-quality penalties, and unnecessary losses buried within traditional gateway architectures.

Future-Proof Scalability Engineered specifically for growth across new markets, channels, and transaction volumes. MY PAYTRIOT™ scales with your business without requiring platform migrations or infrastructure overhauls. Maximized Profitability Automate Level III data submission to secure the lowest interchange rates on every commercial card transaction. Our system ensures qualification happens automatically, every time. Seamless API Integration Effortlessly integrate with your existing ERP, CRM, or accounting system. QuickBooks, NetSuite, Dynamics, Sage, or Xero—we connect to your financial infrastructure. Actionable Data Insights Real-time visibility reveals trends, inefficiencies, and opportunities to strengthen cash flow. See exactly where costs appear and how to eliminate them.

Immediate Value Cost savings and optimization begin with the first transaction. Long-Term Stability CEDP-ready infrastructure protects against future regulatory shifts. Zero Disruption No workflow changes, no retraining, no operational headaches.

Each transaction record must capture specific attributes that enable comprehensive financial and operational analysis. Below is the complete field inventory that powers enterprise-grade payments intelligence: Transaction IDs & Date Links payments to funding events. Essential for funding-lag and Cash Conversion Cycle (CCC) optimization. Card Type & Network Differentiates card brands for effective-rate comparisons and downgrade analysis. Card Program Classification Identifies corporate/consumer cards for L2/L3 qualification and B2B/B2G optimization. Transaction Amount Profiles transactions for average-ticket analysis and volume segmentation. Recurring Payment Flag Identifies recurring revenue, offering preferential rates and predictable streams. Card-Present Indicator Differentiates CP/CNP, impacting interchange costs (20-60 bps) for omnichannel. Interchange Category Code Enables downgrade analysis and L2/L3 optimization, identifying optimal qualification. Interchange Fee Amount Captures actual network cost for Net Effective Rate (NER) calculation, separating from processor margin. Processor Fees & Markups Analyzes processor margins, identifies excessive fees, and aids vendor negotiation. Authorization Response Code Measures approval rates and identifies decline trends, indicating operational efficiency. Refund / Void Indicator Quantifies manual error frequency and revenue leakage, highlighting operational issues. Chargeback Data Feeds dispute-management KPIs and compliance risk metrics, identifying fraud patterns. Batch Close Timestamp Enables batch-frequency analysis and funding-delay KPIs, improving working capital. Funding / Deposit Date Measures actual settlement delay for working-capital and liquidity modeling. Effective Rate per Transaction Calculated for variance analysis and identification of outlier costs. Leveraging our foundational data points allows for granular analysis, strategic optimization, and informed decision-making to drive significant financial improvements.

Consulting-Grade Intelligence To achieve the analytical sophistication of Total Economic Impact (TEI) studies, advanced organizations incorporate additional data elements that enable peer benchmarking, cross-border analysis, and operational pattern recognition. Global & Peer Benchmarking Analyze performance against industry leaders and gain cross-border insights. Operational Pattern Recognition Uncover hidden efficiencies and proactively identify anomalies in data. Nuanced Multidimensional Analysis Move beyond basic reporting to strategic, data-driven decision-making. Strategic Advantage Unlocked Fuel enterprise transformation and secure a competitive edge. These optional data fields are not required for fundamental payments optimization, but they unlock the nuanced, multidimensional analysis needed to support enterprise-wide transformation and drive competitive advantage. Derived KPIs: Strategic Value Creation The true value of a sophisticated data model emerges when raw data transforms into derived KPIs that directly inform executive decision-making. These calculated metrics represent the analytical output that justifies enterprise consulting engagements and drives strategic resource allocation. Profitability Metrics Net Effective Rate: Fees ÷ Volume—the primary cost efficiency indicator EBITDA Impact: Baseline EBITDA minus Post-Optimization EBITDA—quantifies bottom-line improvement Gross Margin Expansion (bps): (Old NER – New NER) × 100—measures pricing power improvement Liquidity Metrics Cash Conversion Cycle: DSO + DIO – DPO—comprehensive working capital efficiency measure Funding Lag Improvement: Old Lag – New Lag—quantifies accelerated cash access Working Capital Released ($): Daily Sales × Days Saved—tangible capital freed for reinvestment Capital Efficiency ROCE: EBIT ÷ Capital Employed—measures return on invested capital EVA: NOPAT – (WACC × Capital Employed)—economic profit after capital costs Cash Flow & Operational KPIs Free Cash Flow (FCF): EBITDA + Δ Working Capital – CapEx—measures cash available for stakeholders after sustaining operations PCI/DFARS Compliance Status: Binary or scored assessment—governance and risk management indicator with material financial implications Downgrade Rate %: Non-Qualified Transactions ÷ Total Transactions—identifies data quality issues driving excess costs Error Rate %: (Refund + Void Transactions) ÷ Total Transactions—operational excellence and process maturity indicator These derived KPIs enable CFOs and finance leaders to answer critical strategic questions: Is our payments infrastructure creating or destroying shareholder value? How do our processing costs compare to industry benchmarks? What return are we generating on working capital invested in the cash conversion cycle? By connecting transactional payment data to enterprise financial outcomes, the data model transforms payments from a back-office operational concern into a strategic financial lever that drives measurable business value. Monthly Savings $$$$ Annual Projection $$$$ Risk Reduction $$$$

Sophisticated payments analytics doesn't exist in isolation. It must originate from your integrated payment processor for efficiently optimized ERP and accounting systems to deliver the CFO-level financial metrics that demonstrate business impact accurately. This integration transforms payments data from an operational concern into a strategic financial lever. Accounts Receivable (A/R) Essential for Days Sales Outstanding (DSO) and Cash Conversion Cycle (CCC) calculations. Payment processing velocity directly impacts A/R aging and collection efficiency. Days Sales Outstanding (DSO) Measures average time to collect payment. Faster payment processing can reduce DSO by 2-5 days, materially impacting working capital. Revenue & Profit Metrics Core metrics like Revenue, COGS, EBIT, and EBITDA are required for margin analysis and Return on Capital Employed (ROCE). Payment optimization flows directly to EBITDA improvement. Capital Employed Used in ROCE calculation to measure capital efficiency. Reduced working capital needs from efficient payments improve capital efficiency ratios. Other vital inputs include Days Payables Outstanding (DPO), Inventory Turn/DIO, WACC, Capital Expenditures, and Effective Tax Rate to complete comprehensive financial modeling.

Understanding the critical distinction between a payments data model and its derived reports is fundamental to unlocking strategic value. The model is the engine; reports are merely the dashboard gauges. The Data Model Purpose: Define relationships and logic between data elements. Longevity: Permanent IP — reusable and scalable. Complexity: Hard to build; requires deep domain knowledge. Value Creation: Converts raw data into information and insight. Who Builds It: MY PAYTRIOT (the “brain”). The Reports Purpose: Visualize and narrate the results. Longevity: Disposable — regenerated monthly. Complexity: Easy once the model is correct. Value Creation: Communicates existing insights. Who Builds It: BI tools (the “mouth”). Real-World Analogy Think of the data model as a high-performance financial engine. The cylinders, timing, and fuel mix are how data points interact. The CRM KPIs and ERP reports are just the gauges on the dashboard, telling you speed, RPM, and mileage. Without the engine, those gauges are meaningless. With the engine (model), any dashboard becomes powerful. Strategic Takeaway for IPSYS Client Onboarding Onboard new clients instantly with pre-defined analytical frameworks. Automated Reporting Auto-generate CFO-grade TEI/ROI reports effortlessly. Licensing Opportunity License or franchise the analytics layer within your industry. This model is why top consulting firms guard their proprietary "frameworks" so closely: the framework is the product.

To generate MY PAYTRIOT's consulting-grade monthly CFO merchant statement—comparable to analyses that command $250,000+ fees from elite firms—you need just four core data inputs. The sophistication lies not in data volume, but in the analytical model that transforms these inputs into strategic intelligence. MY PAYTRIOT GATEWAY Export Transaction-level data (IDs, card types, interchange, fees, timestamps, funding dates) extracted via CSV or real-time API. ERP Snapshot Monthly financial data (revenue, AR, AP, CapEx, capital employed) generated as summary reports from your ERP system. Bank Funding File ACH deposit records confirming actual funding dates and amounts, enabling precise funding lag calculations. Baseline Benchmarks Historical data for prior-period Net Effective Rate, EBITDA, and Cash Conversion Cycle for comparative analysis. With these four foundational inputs, modern AI-powered analytics platforms—combined with properly architected data models—can compute and visualize every KPI that CFOs require for strategic decision-making. This is the transformation that matters: delivering top-tier Fortune 500 consultant analytical sophistication included with your monthly merchant statement. The $250,000 consulting engagement becomes a $20/month technology subscription—but only when powered by the right data architecture. The data model is the value. Everything else is just reporting. When someone says that, they mean: The structure of how data is collected, related, and transformed into meaningful, repeatable insights is where the real intellectual property and business value live. Everything else — dashboards, charts, reports — are just outputs of that model.

For Our Partners & Clients Think of it this way: How come your raw data: gateway transactions, ERP exports, ACH transactions, merchant statements and bank statements are never compiled properly to beat your competition? The MY PAYTRIOT Data Model defines: Data Collection Which fields to collect (card type, MCC, interchange, refund flag, etc.) Data Linkage How data points link together (transactions → batches → deposits → general ledger) Key Metrics What business metrics we produce (NER, EVA, ROCE, CCC, FCF) Once your model is completed after 90 days, elected business officers can plug into it and get consistent, decision-grade information. This data model becomes a priceless consulting framework, showcasing your competitive moat and your real-time business strategy.

Real results from real merchants. Here's what comprehensive payment optimization looks like in practice.

Lower Processing Costs Stop overpaying for transactions you already process every day. Automated Level III qualification ensures you receive the lowest available interchange rates. Faster, Predictable Deposits Strengthen cash flow for inventory, payroll, and planning. Optimized batch timing and qualification reduce funding delays by up to 83%. Clean, Accurate Financials Controllers benefit from accurate posting and simplified reconciliation. ERP-native integration eliminates double-entry and manual corrections. CEDP-Readiness & Future Compliance Compliance handled entirely behind the scenes. Stay ahead of regulatory changes without disrupting operations. Clear Financial Intelligence Each month becomes easier to manage, forecast, and optimize with transparent reporting and actionable insights.

High-Ticket & Government Card Stability Reliable processing for mission-critical transactions with specialized routing and qualification logic. White-Label Portal & Permission Controls Reps become indispensable to their merchants with branded, permission-controlled dashboards. Financial Intelligence Statement Reports Immediate clarity on where money is lost—and recovered. True visibility into payment economics. Secure Vaulting & Recurring Profiles Predictable revenue cycles with fewer AR touchpoints and automatic card updating.

Day-One Value MY PAYTRIOT™ integrates into your existing processes without requiring staff retraining, system migrations, or operational changes. Your team continues working exactly as they do today. The difference appears in your financial results—not in your daily operations. Implementation takes hours, not months. Value begins immediately.

Standard Gateway Feature: Accept keyed or phone orders from any browser. Paytriot Advantage: Auto-enriches Level II/III fields for B2B transactions Pushes payments directly into ERP (QuickBooks, NetSuite, Dynamics, Sage) Eliminates double-entry for AR teams Supports surcharge/cash-discount rules tailored per merchant Result: Faster payments + zero reconciliation cleanup.