Our Services
Multi-Tactic
Cost Saving Strategies
purplekite.ai’s team has decades of experience in payments and in cost optimization, serving consumer-facing industry verticals in the United States. Our proprietary, AI-First platform delivers efficient and complete analysis and strategies to mitigate costs.
Least Cost Routing
Intelligent routing to lower cost PIN debit networks to save as much as 20% on debit fees.
Contract Billing Audit
80% of merchants overpay due to hidden fees or “rate creep”. We detect and correct errors.
Improve Downgrades
Troubleshoot and remedy reasons for costly transaction downgrades, including stale authorizations, missing data, and card type mismatches.
Rate Negotiation
Our expertise and relationships in the industry allow us to be your ally with the networks to get rates that reward you for your volume and transaction characteristics.
Featured Works
The Hidden Fees Eating Into Your Profits
What are the most common reasons you may be paying more than you should.
How Smart Debit Routing Saves Millions
Learn how one merchant took control of their debit routing strategy and reduced their costs.
How Smart Debit Routing Saves Millions
Learn how taking control of your debit routing strategy can reduce costs.
Downgrades: What You Need to Know
How often are they occurring, and what you can you.
“Frenemies”? Payment Optimization Barriers
What are the common challenges in getting the most efficient fee schedule? Why I can’t just count on my processor.
Frequently Asked Questions
Have a question about purplekite? Take a look at our most commonly asked questions below.
How is purplekite.ai different from other payment consultancies?
purplekite is the only AI-first payments analytics firm. Our technology and processes are powered by AI, allowing tremendous scale and efficiency. As a result, we produce powerful results while being very cost effective for our merchants.
What is payment optimization?
Payment optimization involves improving every aspect of your payment processing — from routing and authorization logic, to fee structures, compliance, and data enrichment. It means fewer failed payments, better margins, and a smoother experience for your customers.
How do you reduce payment processing costs?
We analyze your payment data to uncover inefficiencies such as unnecessary interchange fees, misconfigured merchant settings, and suboptimal acquirer relationships. Then we help you renegotiate, reconfigure, or reroute to reduce your costs sustainably.
How is your approach different from what my PSP is doing?
PSPs offer the rails; we help you optimize how you use them. We’re provider-agnostic and work across your existing PSPs, acquirers, and tools to ensure you’re getting the most value.
What is your process?
We typically start with a discovery phase, analyzing your transaction data and workflows. Then we deliver a roadmap of optimizations — ranging from quick wins to strategic overhauls. We can also support implementation and monitoring.
What kind of results can I expect?
While results vary, clients typically see 5+% improvement in approval rates and 10–30% savings on processing fees. It varies based on how optimized the merchant is today.
How do I get started?
Just book a free consultation. We’ll assess your payment stack, discuss your goals, and suggest next steps — no strings attached.