CREDIT CARD PROCESSING
Pay lower fees on every
credit card sale you make
Carden helps businesses lower credit card processing costs by automatically sending the right invoice data with every eligible payment.
HOW CARDEN CHANGES THE TRANSACTION
The payment follows the same rail. Better data changes the fee.
01
Commercial card
Customer initiates the purchase
02
Carden
Sales and invoice data are formatted correctly
03
Card network
Eligible commercial rate is applied
04
Lower interchange
The reduced credit card fee is applied
STANDARD COMMERCIAL RATE
2.70%CARDEN UNLOCKED RATE
1.45%
QUICKBOOKS
STRIPE
VISA
BREX
MASTERCARD
BRAINTREE
CHECKOUT.COM
PAYPAL
SQUARE
NETSUITE
HOW DOES IT WORK?
How does it work?
Carden automatically sends your existing invoice data from commercial credit card payments to networks like Visa and Mastercard, helping you qualify for lower processing rates on every transaction. Thus putting more savings back in your pocket without any additional steps.
Save up to 30% on your processing fees with Carden credit card Optimization, reducing rates from 2.7% to as low as 1.45%.
2.70%
Goods purchased
The transaction starts in the standard high fee category.
Carden optimizes
Carden attaches the additional transaction data.
1.45%
Secure lowest rate
Carden secures you the lowest possible rate.
Carden automatically retrieves and optimizes the data your processor needs. Your payment flow stays the same while more transactions qualify for lower interchange.
A handful of the many systems we work with.
Carden works across accounting, gateways, processors, card networks, and settlement data without asking your team to replace its existing stack.
SECURITY AND CONTROL
Enterprise-grade security, without the complexity.
Carden securely accesses only the data it needs to optimize your payments. We never handle or hold your money, and your data stays encrypted and under your control.
YOUR DATA STAYS ENCRYPTED
Data is encrypted when stored and transmitted.
READ-ONLY ACCESS
Carden only accesses the data it needs.
LIMITED PERMISSIONS
Access is scoped to specific data and actions.
COMPLETE AUDIT TRAIL
Every data access and change is recorded.
NO MONEY MOVEMENT
Carden never holds or moves your funds.
YOUR DATA STAYS YOURS
Your data remains under your control.
See your savings
Connect your recent payment records and see where qualification is breaking, what it may be costing, and how Carden can improve the economics.