What inspired you to build this? I’ve spent over a decade inside the payments industry working in risk, underwriting, compliance, and operations. Over the years, I kept seeing the same pattern: merchants and processors were making solid revenue — but quietly losing margin due to fee leakage, misclassified interchange, pricing overrides, and overlooked card brand costs. In several cases, I personally uncovered millions in missed revenue just by digging through processor reports that most people never fully analyze. That experience made something very clear: the data already exists — it’s just buried. Night Vision Analytics was inspired by the idea that this level of visibility shouldn’t require deep industry expertise or weeks of spreadsheet work. What problem were you trying to solve? Payment processing reporting is dense, fragmented, and confusing. Even sophisticated operators struggle to answer simple but critical questions: What is my true margin by merchant? Where is revenue leaking? Are my markups applied correctly? Are card brand fees impacting me more than expected? Is margin compression happening over time? Small basis-point discrepancies compound quickly — especially for growing portfolios. The problem wasn’t lack of data. The problem was lack of clarity. I wanted to build something that turns raw processor reports into actionable insight in minutes instead of days. How did your approach evolve during the launch? Initially, the product was very operator-focused — built almost like an internal audit tool. As I started sharing early versions, I realized not everyone wants deep technical detail; they want clear signals and fast answers. So the focus shifted from “show everything” to: Surface what matters most Make profitability easy to understand Highlight risks and opportunities clearly The launch has been about simplifying without losing depth — making something powerful, but practical enough that busy operators will actually use it. This is just the beginning. Early feedback is already shaping the next integrations and features.

NV Analytics Merchant Account Analysis

See What Your Processor Doesn't Want You to See

See What Your Processor Doesn't Want You to See