GenticIQ Service

A Risk Free Serivce To Optimize & Elevate Your Merchant Processing

GenticIQ: A Platform for Intelligent Cost Reduction

See below for what GenticIQ can do for your merchant service now!

GenticIQ will continue expanding beyond merchant services. Our future AI divisions will target:

  • Energy consumption optimization
  • Telecom and network cost analysis
  • Vendor contract evaluation
  • Operational workflow benchmarking
  • Fraud and risk pattern detection
  • Enterprise procurement intelligence

Every one of the GenticIQ divisions is built on the same foundation: AI agents that work for your organization, not for your vendors.

Introducing GenticIQ Merchant

GenticIQ Merchant is the first specialized AI tool engineered to reduce merchant account processing costs without requiring that merchants change processors.

Its purpose is simple: To help businesses significantly reduce credit card processing fees while staying with their existing provider. Most merchants believe that lowering costs requires a processor switch. GenticIQ Merchant proves otherwise. By combining our experience with advanced AI-driven analysis, we deliver the data, transparency, and leverage merchants need to secure immediate savings, with no operational disruption.

Programmers at Work

No Provider Change Required

This is the central advantage of GenticIQ Merchant.

  • We help you reduce fees without switching gateways, processors, terminals, or integrations.
  • Your operations remain intact, while your cost structure improves.
  • Providers respond because the data is accurate, the benchmarks are defensible, and the intelligence is undeniable.

What GenticIQ Merchant Does

Independent RFI/RFP Development Powered by AI GenticIQ Merchant creates fully structured, highly technical RFIs (Requests for Information) and RFPs (Requests for Proposals) on your behalf.

These documents are designed using:

  • Your existing transaction data
  • Industry benchmarks
  • Provider-agnostic pricing models
  • AI-driven analysis of rate structures
  • Interchange optimization insights
  • Historical patterns across similar merchant categories

Each RFI/RFP is constructed to force clarity, expose margin layers, and position your organization to negotiate from a position of strength.

AI-Driven Merchant Analysis

Our proprietary AI agents evaluate your environment across hundreds of variables, including:

  • Interchange management and optimization
  • Downgrade detection and pattern identification
  • Benchmarking across industries and volumes
  • Fee structure validation
  • Provider margin analysis
  • Gateway configuration review
  • Surcharge and fee-shift opportunities
  • Comparative modeling of alternate pricing methodologies

This allows us to deliver multiple pricing scenarios, negotiation strategies, and cost-saving pathways that traditional consultants and processors simply cannot match.

How GenticIQ Merchant Works

1. Data Intake & Analysis

You provide your recent merchant statements or settlement files. Our AI engines and payment specialists analyze:

  • Rate structures
  • Interchange performance
  • Downgrade patterns
  • Hidden fees
  • Excessive margin
  • ● Provider-side inefficiencies

We deliver a detailed intelligence report outlining where your savings are hiding.

2. AI-Crafted RFI or RFP

We create a tailored, professional, and highly technical RFI/RFP containing:

  • A comprehensive analysis of your current environment
  • Concrete benchmark comparisons
  • Transparent pricing models
  • Strategic concessions your provider must address
  • Operational and technical requirements aligned with best practices
  • Multiple pricing structures for provider consideration

This document shifts the negotiation toward data, not promises, assumptions, or relationship dynamics.

3. Provider Engagement

You may send the RFI/RFP to your provider directly, or we can support you quietly behind the scenes. The outcome:

  • Your provider sees a clear, defensible, industry-aligned challenge
  • They must respond with accuracy and transparency
  • You gain leverage without switching processors
  • Savings are realized using pure data and industry benchmarks

4. Savings Realization

Once pricing improvements take effect and your organization validates the savings:

  • You retain 80%
  • We collect 20%
  • No long-term commitments
  • No hidden agreements
  • No processing contracts
  • Just a result-based performance structure.
GenticIQ Savings Model

The GenticIQ Savings Model is Transparent and Merchant-Aligned. GenticIQ Merchant operates on a simple, aligned structure:

  • No upfront cost
  • No risk
  • You keep 80% of the savings.
  • We earn 20% only after your organization verifies the savings.
  • Your provider remains the same.
  • Your systems remain the same.
  • Your business keeps the majority of the financial benefit.

Why Companies Choose GenticIQ Merchant

Deep Industry Expertise

With nearly 3 decades of experience designing gateways and supporting multi-billion-dollar merchant environments, we understand the system better than anyone your provider will send to the negotiation table.

Full Independence

We do not process payments, represent processors, or receive compensation from any provider. Our loyalty is solely to your organization.

AI Advantage

Multiple AI agents, each operating from different analytical perspectives, provide broader, deeper, and more accurate insights than human analysis alone.

No Operational Disruption

The entire strategy works around your current environment. No migrations. No downtime. No system changes.

Data Providers Cannot Ignore

Every recommendation is backed by industry benchmarks, transaction-level intelligence, and technical accuracy.