CREDIT CARD PROCESSING
Pay lower fees on eligible
commercial card sales
Carden connects the invoice data you already have to supported payment flows, helping qualifying commercial card transactions earn lower interchange rates.
Best fit for eligible commercial card volume on interchange-plus pricing. Actual savings vary by card product, merchant category, network, processor support, and contract terms.
CONNECT
Use the systems you already have
Carden reads invoice and payment data from your existing accounting and processing stack.
QUALIFY
Improve eligible payment data
Existing commercial details are matched, checked, and formatted for supported processor paths.
VERIFY
Confirm the savings at settlement
Settlement records show whether the transaction actually reached a lower interchange category.
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
THE OPTIMIZATION PATH
Your payment flow stays the same. The data gets better.
Carden matches each supported payment to authoritative invoice data, checks that the commercial details are complete, and sends the eligible information through your existing processor. Your team keeps the same checkout and settlement workflow.
In the strongest qualifying cases, the underlying interchange rate may improve from 2.70% to as low as 1.45%. After Carden's performance fee, the merchant retains up to 30% of the original processing cost in this example.
2.70%
Standard settlement example
An eligible commercial card payment settles without complete enhanced data.
1.85%
Typical improved example
Carden matches the payment to existing invoice data and supplies supported commercial details.
1.45%
Best-case qualifying example
Settlement data confirms that the transaction reached a lower interchange category.
These rates illustrate a potential path for eligible commercial card transactions, not a universal outcome. Qualification and realized savings vary by card product, merchant category, network, processor support, and pricing agreement.
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 transaction data is not used to train external AI models.
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.