Merchant Boost | Pre-Processing
Merchant Boost is the live data solution provider equipping financial service companies with solutions that fill the gap between historical, real-time and live data information, to improve marketing, underwriting, and collections. We are transforming fintech with innovative payment instrument data and solutions, increasing credit access to the financially underserved, and reducing processing fees for borrowers and creditors.
Consumer lending, underwriting, payments, processing, financial technology, payment instrument
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Access real-time data to view customer interest, purchase history and intent; mitigate fraud, gain enhanced KYC and predict consumer behavior.

We empower lenders with the insight to know exactly when to submit payments for successful processing.

Our pre-processing solutions help reduce returns, declines and chargebacks while enhancing the consumer experience with the largest network of real-time data.



Reduce returns, chargebacks, and increase payment success rates with our platform-as-a-service (PaaS) that scrubs your payment files and automates decisions on when to submit payments.


Eliminate overdraws and non-sufficient fees with ongoing bank account visibility, for timely and approved repayments.



Determine status, balance and ownership of bank accounts to improve payment service KPI’s and ensure regulatory compliance.


Collect more money by receiving instant notifications when funds are available to initiate a repayment.


Repayment Boost

Repayment Boost provides real-time visibility into the consumer account status, ownership, and funds availability, prior to payment processing to ensure success.

Key Features

Consumer Protection

Reduce consumer NSF exposure by knowing when to submit payments


Pinpoints optimal date to submit payments


Improves compliance to NACHA, Card Brand, and CFPB regulatory thresholds

Key Benefits
  • Automates the decisioning for processing payments
  • Optimizes the least cost routing of payment instruments
  • Reduces returns, declines, and chargebacks
  • Reduces consumer exposure to bank fees
  • Monitors bank accounts to identify full and fractional repayment opportunities