AI Payment Health Score™

How healthy is your payment stack — really?

A single letter grade covering ten dimensions of your setup. Benchmarked against your industry. Refreshed every review. Free forever.

A−Health Score

What we measure

Ten dimensions. One honest number.

Each dimension is scored, weighted by your business type, and rolled into the final grade. No black box — you get to see every line.

Your true blended rate vs. what your industry pays.

PCI, batch, statement, gateway, monthly minimum — every line item audited.

Are your transactions qualifying at the right interchange level?

Does your terminal/POS fit how you actually take payments?

POS, invoicing, e-com, loyalty — right platform for your workflow?

Funding speed, batch cutoffs, next-day vs. same-day math.

Compliance posture, chargeback exposure, tokenization.

Speed at checkout, contactless, digital receipts, tipping flow.

Auto-renewals, ETFs, price hikes, non-cancelable leases.

Can this stack support 2× volume, a second location, or a new channel?

The scale

AOptimizedYou're paying fair rates on the right stack. Stay put.

BSolid, minor gapsA few line-item fixes could save real money.

CMeaningful leaksFees, hardware, or software are working against you.

DActively costing youMultiple dimensions failing. A migration likely pays back fast.

FRebuild the stackLegacy contract, wrong POS, wrong pricing model. Start over.

Upload your latest statement — we'll grade every dimension and hand you the report.