--- title: Ordr for finance | Close the night, not the week. description: Rate visibility, continuous dispute monitoring and one settlement across every point of sale, for the people who have to explain the number. --- [![Ordr](https://ordr.io/hubfs/New%20Ordr%20Pictures/brand-ordr-wordmark.png)Commerce Intelligence](https://ordr.io/?hsLang=io) Platform Solutions Research Customers [Schedule a demo](https://ordr.io/solutions/finance#demo) [![Ordr Pay](https://ordr.io/hubfs/New%20Ordr%20Pictures/brand-ordr-pay.svg)](https://ordr.io/pay?hsLang=io)[**Merchant processing**Interchange optimised, gateway agnostic, no headline rate games](https://ordr.io/pay#processing)[**Virtual payments**Text to pay, email links, and a PCI compliant agent portal](https://ordr.io/pay#virtual)[**Agentic payments**Machine initiated purchase, on rails that already shipped](https://ordr.io/pay#agentic)[**Alternative payments**Wallets, PIN debit, pay by bank, and stablecoin settlement](https://ordr.io/pay#alternative) [![Ordr Insights](https://ordr.io/hubfs/New%20Ordr%20Pictures/brand-ordr-insights.svg)](https://ordr.io/insight?hsLang=io)[**Fan IQ**One fan profile across ticketing, concessions, retail, and premium](https://ordr.io/insight#fan-iq)[**Partner IQ**Attribution your partners can renew against, not impressions](https://ordr.io/insight#partner-iq)[**Transact IQ**Every rate, every downgrade, every overcharge, in one view](https://ordr.io/insight#transact-iq) Live**Fan IQ is live with Ticketmaster** Ticketing, entry, concessions, retail, and partner activation resolved to one fan. [Read the case study →](https://ordr.io/customers/ticketmaster?hsLang=io) #### By role [**Finance**Rate visibility, dispute exposure, and a close that lands the same night](https://ordr.io/solutions/finance?hsLang=io)[**Partnerships**Prove what an activation delivered before the renewal conversation](https://ordr.io/solutions/partnerships?hsLang=io)[**Ticketing**Join the seat to the sale without leaving your ticketing platform](https://ordr.io/solutions/ticketing?hsLang=io)[**Operations**One system across gate, counter, retail, and premium](https://ordr.io/solutions/operations?hsLang=io)[**Technology**One integration layer instead of nine vendor relationships](https://ordr.io/solutions/technology?hsLang=io) #### By moment [Gate and entry](https://ordr.io/solutions/moments#gate) [Concessions and retail](https://ordr.io/solutions/moments#concessions) [Premium and suites](https://ordr.io/solutions/moments#premium) [Partner activation](https://ordr.io/solutions/moments#partner) #### Field reports [**The 2026 Venue Payments Report**What changed at the counter this season, and what it cost](https://ordr.io/research#report)[**Custody, compliance, and the cost of a fragmented stack**Data ownership, card security standards, and dispute economics](https://ordr.io/research/field-report-01?hsLang=io)[**All research**Everything Ordr has published, with sources](https://ordr.io/research?hsLang=io) #### Company [**News**Announcements, partnerships, and coverage](https://ordr.io/news?hsLang=io)[**About Ordr**Who we are and why we built this](https://ordr.io/about?hsLang=io) Free**The 2026 Venue Payments Report** Built from network transaction data and interviews with finance leads across sports and live entertainment. [Get the report →](https://ordr.io/research#report) #### Proof [**Case studies**Named clubs, measured results, stated method](https://ordr.io/customers?hsLang=io)[**Vegas Golden Knights**55 bps off interchange and $82.5k in chargebacks recovered](https://ordr.io/customers/golden-knights?hsLang=io)[**Pittsburgh Penguins**A dozen vendors consolidated, 53% off processing in 60 days](https://ordr.io/customers/penguins?hsLang=io)[**Ticketmaster**The integration that joins the ticket to the counter](https://ordr.io/customers/ticketmaster?hsLang=io) #### Trust [**Trust and security**Certifications, architecture, and who owns the fan record](https://ordr.io/trust?hsLang=io)[**How we handle data**What we hold, why we hold it, and for how long](https://ordr.io/trust#custody) Trusted by**The clubs, the resorts, and the rails** NHL, AHL, CFL and WNBA clubs, MLS, a Las Vegas resort, and the platforms underneath them. [See the roster →](https://ordr.io/customers?hsLang=io) ![Ordr](https://ordr.io/hubfs/New%20Ordr%20Pictures/brand-ordr-wordmark.png) × #### Platform [Ordr Pay](https://ordr.io/pay?hsLang=io)[Merchant processing](https://ordr.io/pay#processing)[Virtual payments](https://ordr.io/pay#virtual)[Agentic payments](https://ordr.io/pay#agentic)[Alternative payments](https://ordr.io/pay#alternative)[Ordr Insights](https://ordr.io/insight?hsLang=io)[Fan IQ](https://ordr.io/insight#fan-iq)[Partner IQ](https://ordr.io/insight#partner-iq)[Transact IQ](https://ordr.io/insight#transact-iq) #### Solutions [Finance](https://ordr.io/solutions/finance?hsLang=io)[Partnerships](https://ordr.io/solutions/partnerships?hsLang=io)[Ticketing](https://ordr.io/solutions/ticketing?hsLang=io)[Operations](https://ordr.io/solutions/operations?hsLang=io)[Technology](https://ordr.io/solutions/technology?hsLang=io)[Gate and entry](https://ordr.io/solutions/moments#gate)[Concessions and retail](https://ordr.io/solutions/moments#concessions)[Premium and suites](https://ordr.io/solutions/moments#premium)[Partner activation](https://ordr.io/solutions/moments#partner) #### Research [The 2026 Venue Payments Report](https://ordr.io/research#report)[Custody, compliance, and the cost of a fragmented stack](https://ordr.io/research/field-report-01?hsLang=io)[All research](https://ordr.io/research?hsLang=io)[News](https://ordr.io/news?hsLang=io)[About Ordr](https://ordr.io/about?hsLang=io) #### Customers [Case studies](https://ordr.io/customers?hsLang=io)[Vegas Golden Knights](https://ordr.io/customers/golden-knights?hsLang=io)[Pittsburgh Penguins](https://ordr.io/customers/penguins?hsLang=io)[Ticketmaster](https://ordr.io/customers/ticketmaster?hsLang=io)[Trust and security](https://ordr.io/trust?hsLang=io)[How we handle data](https://ordr.io/trust#custody) [Schedule a demo](https://ordr.io/solutions/finance#demo) # *Close the night,not the week.* Finance is the last team to find out what a transaction cost and the first team asked to explain it. Ordr puts the effective rate, the downgrades and the dispute ratio in one place, and closes the event the night it happens. [Schedule a demo →](https://ordr.io/solutions/finance#demo)[See Transact IQ](https://ordr.io/insight#transact-iq) Processing cost across a season Transact IQ Current processing cost On Ordr 53% lower Opening nightSeason end Cumulative processing cost Shape is illustrative. The 53% is the Pittsburgh Penguins’ measured processing cost reduction. **53%**Payment costs cut, Pittsburgh Penguins **80+ hrs**Returned monthly to finance, Pittsburgh Penguins **55 bps**Interchange reduction, Vegas Golden Knights **$82.5k**Chargebacks recovered, Vegas Golden Knights ## Three numbers finance cannot currently see. None of these are exotic. They are ordinary consequences of payments being bought as part of another contract. And with the money spread across nine providers, no finance office has the bandwidth to monitor the overcharges, interchange padding, chargebacks and downgrades each one is getting away with. That is not a staffing problem. It is a structural consequence of running payments across nine vendors, and it is exactly what one platform ends. 01**The effective rate is not the quoted rate** Interchange qualification and downgrades happen after the deal is signed and never appear on the rate card. US merchants paid a record $198.25 billion in card fees in 2025. 02**The dispute threshold moved under you** Visa dropped the merchant excessive threshold from 220 to 150 basis points on 1 April 2026. Mastercard puts one chargeback at $82 internal plus $46 in fees before the lost goods. 03**The close is a manual join** Separate merchant IDs, separate exports, separate definitions of a customer record. The reconciliation happens after the event, by hand, on partial keys. [Nilson Report figures, March 2026](https://merchantspaymentscoalition.com/credit-and-debit-card-swipe-fees-reach-record-19825-billion-president-and-congress-call-action). Thresholds from the [Visa Acquirer Monitoring Program fact sheet](https://corporate.visa.com/content/dam/VCOM/corporate/visa-perspectives/security-and-trust/documents/visa-acquirer-monitoring-program-fact-sheet-2025.pdf). Chargeback cost from [Mastercard, updated June 2026](https://www.mastercard.com/global/en/news-and-trends/Insights/2025/what-s-the-true-cost-of-a-chargeback-in-2025.html). ## One ledger. One close. One number to defend. 01 ### Rate visibility Every transaction carries its own qualification story. Transact IQ shows where it downgraded, what that cost, and what the same volume should have qualified at. - **Effective rate by merchant ID**, continuous rather than monthly from an acquirer statement. - **Downgrades flagged per transaction** with the reason, not as an aggregate line. - **Level 2 and Level 3 enrichment** so qualification stops being something that happens to you. - **Sells on its own.** Transact IQ does not require you to move processing first. Transact IQNo processing move required ##### What you see Effective rateDowngrade reasonsInterchange categoryFee breakdown ##### How often ContinuousBy merchant IDBy channelBy event 02 ### Dispute exposure The threshold tightened in April 2026 and the ratio is measured by count, not by value. A game night is exactly the shape of business that carries the most exposure. - **Continuous ratio monitoring** against the 150 basis point threshold, with alerting before the acquirer calls. - **Fraud reports and chargebacks separated**, because they are separate numerators. - **Evidence assembled automatically** so representment is not a per-case manual exercise. - **The trap avoided.** Declining more transactions shrinks the denominator without shrinking the numerator, which makes the ratio worse. Dispute defenceMeasured by count ##### Monitored Dispute ratioTC40 fraud reportsChargebacksApproval rate ##### Assembled for you Transaction recordFan and event contextRepresentment evidence 03 ### The close Every channel settles into one ledger under your own merchant IDs. You stay merchant of record and the intelligence layer never sits in the funds path. - **One settlement** across gate, concessions, retail, premium, parking and box office. - **You remain merchant of record.** Funds land in your accounts, not in ours. - **The Penguins got 80+ hours a month back** after a dozen vendors were consolidated onto one platform. - **Removable.** Because the data layer is not in the funds path, it can be scoped or removed without a payments migration. Consolidation, Pittsburgh Penguins Measured Vendors beforea dozen plus Vendors afterone platform Time to fully integrated60 days Reported by the club's finance team and published in the case study. ## Numbers, not adjectives. 53% Reduction in processing costs after consolidating more than a dozen fragmented vendors onto one platform, with Ticketmaster, Yinzcam, Micros and Salesforce integrated. Pittsburgh Penguins[Read the case study →](https://ordr.io/customers/penguins?hsLang=io) 55 bps Average reduction in interchange costs following a fee structure review and routing changes, plus $82,500 recovered through chargeback reduction. Vegas Golden Knights[Read the case study →](https://ordr.io/customers/golden-knights?hsLang=io) 150 bps The Visa merchant excessive dispute threshold as of 1 April 2026, down from 220. Measured by transaction count, which is the worst case for a high-volume game night. Visa, 2026[See Transact IQ →](https://ordr.io/insight#transact-iq) ![A payment terminal in a premium hospitality space](https://ordr.io/hubfs/New%20Ordr%20Pictures/img-premium-hospitality-terminal.jpg) ## Merchant of record. Every time. Funds settle from the acquirer directly into your own accounts under your own merchant identifiers. If removing the analytics would require re-tendering payments, the two paths were never really separate. ## Send one statement. 01 **Send one statement** One recent processing statement, and last season's settlement if you have it. We read what you actually pay, not the rate card. 02 **See your own numbers** Effective rate, where transactions downgrade, your dispute ratio against the current threshold, and what the same volume looks like optimised. 03 **Decide** If you are already well priced we will tell you. If you are not, the number is yours to take to the board. ## Bring one statement. Tell us how you take payment today and we will read what it is costing you. If Ordr is not the right answer, we will say so rather than sell you something. > Switching to Ordr was one of the smartest and easiest decisions we've made. By moving our payments under Ordr, we gained visibility into hidden costs and started unlocking valuable, revenue-driving data. **Mike Dillon**Chief Financial Officer, Pittsburgh Penguins First name Last name Work email Organisation Phone optional How can we help?Choose oneLower what we pay in card feesTake payments away from a terminalGet usable data out of our transactionsProve what our partners actually deliveredReplace several vendors with oneSomething else, or not sure yet Request a rate review We use this to route you to the right person. No sequence, no drip. ### Thank you. Your request is in. Someone from Ordr will reply directly, usually within one business day. [![Ordr](https://ordr.io/hubfs/New%20Ordr%20Pictures/brand-ordr-wordmark.png)](https://ordr.io/?hsLang=io) The commerce intelligence layer for sports and live entertainment. One ledger across ticketing, the counter, retail and premium. #### Platform [Ordr Pay](https://ordr.io/pay?hsLang=io)[Merchant processing](https://ordr.io/pay#processing)[Virtual payments](https://ordr.io/pay#virtual)[Agentic payments](https://ordr.io/pay#agentic)[Alternative payments](https://ordr.io/pay#alternative)[Ordr Insights](https://ordr.io/insight?hsLang=io)[Fan IQ](https://ordr.io/insight#fan-iq)[Partner IQ](https://ordr.io/insight#partner-iq)[Transact IQ](https://ordr.io/insight#transact-iq) #### By role [Finance](https://ordr.io/solutions/finance?hsLang=io)[Partnerships](https://ordr.io/solutions/partnerships?hsLang=io)[Ticketing](https://ordr.io/solutions/ticketing?hsLang=io)[Operations](https://ordr.io/solutions/operations?hsLang=io)[Technology](https://ordr.io/solutions/technology?hsLang=io)[By moment](https://ordr.io/solutions/moments?hsLang=io) #### Customers [Case studies](https://ordr.io/customers?hsLang=io)[Vegas Golden Knights](https://ordr.io/customers/golden-knights?hsLang=io)[Pittsburgh Penguins](https://ordr.io/customers/penguins?hsLang=io)[Ticketmaster](https://ordr.io/customers/ticketmaster?hsLang=io)[Trust and security](https://ordr.io/trust?hsLang=io) #### Company [About Ordr](https://ordr.io/about?hsLang=io)[News](https://ordr.io/news?hsLang=io)[Research](https://ordr.io/research?hsLang=io)[Venue Payments Report](https://ordr.io/research#report)[Schedule a demo](https://ordr.io/solutions/finance#demo) © 2026 Ordr Technologies Inc. [Privacy](https://ordr.io/privacy?hsLang=io) [Terms](https://ordr.io/terms?hsLang=io) [Trust and security](https://ordr.io/trust?hsLang=io)