Interchange is opaque on purpose. Residuals are easy to accept and hard to verify. Pricing gets decided on instinct. We bring the rigor of a corporate finance team to the businesses moving the money, from independent agents to the investors buying their portfolios.
Engagements are scoped to your stack and your numbers. Most start with a focused diagnostic and turn into ongoing optimization once the first wins land.
Independent audits of residual and agent commission calculations down to the interchange line, so you pay and get paid exactly what the data supports.
Category-level review of how transactions clear, where downgrades happen, and how to qualify more volume at the right rate.
The forecasting and variance discipline of a corporate finance team, sized for your company, so leadership can steer instead of guess.
Pricing models and deal reviews that let sales move fast without giving away margin. We quantify the risk and the upside before the ink dries.
Buy-side and sell-side support for payments portfolios: revenue quality, residual durability, and the assumptions hiding under the model.
End-to-end support for moving a portfolio between banks or processors, led by someone who has run these cutovers firsthand, so nothing is lost in the migration.
The connective work between processor data feeds, accounting, and the P&L: cleaner reporting, a tighter close, and models the whole business can trust.
Turn the manual month-end grind into systems that run themselves: automated reconciliation, residual and commission math, and live dashboards in place of fragile spreadsheets.
Senior finance leadership on call, without the full-time hire. We step in as your embedded finance lead, owning the numbers, the forecast, and the hard calls when you need them.
Every authorization moves through four hands in under two seconds. On the acquiring side, margin leaks at each handoff. We know exactly where to look.
The bright nodes mark where margin leaks, and where we look first.
Residuals, interchange, forecasting, and diligence are the same craft seen from four vantage points. We have lived all of them.
Protect residual income, audit commissions, and understand true profitability per merchant and per partner.
Sharpen forecasting, pricing, and unit economics as you scale payments inside your platform.
Audit your effective rate, fix interchange downgrades, and stop overpaying on every batch you settle.
Diligence revenue and residual quality, stress-test the model, and price the risk you are actually buying.
No boilerplate decks. Every engagement starts in your data and ends with changes you can measure on the next statement.
We get into the residual files, processor feeds, statements, and forecasts and map where money is leaking or being left on the table.
Every finding comes with a dollar figure and a confidence level, so you can prioritize by payback, not by opinion.
We implement the fixes, build the recurring controls, and put reporting in place so the gains hold and compound.
Vivek Advisory was founded by Avani Patel, who spent most of her career inside payments companies: building the forecasts leadership steered by, auditing the residuals agents lived on, reconciling processor data feeds, leading bank and processor conversions, and pressure-testing the pricing behind big deals. She grew from financial analyst into a finance leader who owned optimization across residuals, accounting, and the data that ties them together.
That insider view is exactly what most ISOs, merchants, and even investors lack. We bring the rigor of a corporate finance department to organizations that do not have one, and a sharper read to the ones that do. Engagements are independent, confidential, and senior from day one. You work directly with us.
Tell us about your business and your numbers. We will tell you, honestly, whether there is meaningful upside worth chasing and how we would find it.