Atom Payments helps businesses reduce payment processing costs by auditing existing statements, negotiating lower rates, and monitoring fees monthly. Its flagship product, RateSidekick, identifies hidden charges and overcharges without requiring merchants to switch processors, while direct processing services offer transparent IC+ pricing. The company has recovered over $1 million in fees across 300+ analyzed statements.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses often overpay on payment processing fees due to complex, opaque pricing structures and hidden charges embedded in processor statements. Without specialized expertise, merchants struggle to identify inflated rates, unnecessary fees, and billing errors, leaving significant money on the table each month.
Solution
Atom Payments provides payment intelligence services that audit processing statements, negotiate fair rates, and monitor ongoing fees. Its flagship product, RateSidekick, analyzes current statements to identify overcharges, fixes rates without requiring a processor switch, and reviews every monthly statement to ensure savings persist. For businesses seeking direct processing, Atom connects merchants with trusted partners offering IC+ pricing with no hidden fees or surprise rate increases. The company combines deep payments industry knowledge with a client-first approach, delivering clear monthly reporting and direct access to a dedicated contact.
Target Audience
Primary customers are small to mid-sized businesses and private equity firms seeking to reduce payment processing costs, as well as merchants wanting transparent, fair pricing on their processing agreements.
Features
- RateSidekick statement auditing that identifies hidden fees, upcharges, and billing errors
- Rate negotiation with existing processors, eliminating the need to switch providers
- Monthly statement monitoring to catch new charges and ensure rates remain fixed
- Direct merchant processing with IC+ (interchange-plus) pricing and zero hidden fees
- Transparent monthly statements with no surprise rate increases
- Dedicated direct contact for ongoing support and questions