01
Ledger intake
Upload processor statements, bank settlement files, dispute exports, and GL mappings through a controlled data room checklist.
Fintech margin recovery sprint
Find the fee drag before your next board packet.
Blackline Yield is a 14-day consulting offer for fintech operators who need hard evidence on interchange leakage, processor spread, dispute cost, and rail mix.
14 daysfixed diagnostic window
3 ledgersprocessor, bank, GL matched
$42kflat fee, creditable
Built for CFOs, product leads, and payment ops teams who cannot wait for another processor QBR.
We compare settlement files, interchange downgrades, reserve rules, chargeback operations, and ledger variance into one executive-ready margin recovery packet.
$18.6Midentified annualized margin across recent prepaid, lending, and embedded payments clients.
9 daysmedian time to first negotiated processor amendment.
0 decksuntil the numbers reconcile. You get working models first, narrative second.
The engagement follows the money, not a consulting theater script.
A compact workflow with clear artifacts at each checkpoint.
02
Variance map
We mark every fee class as contractual, negotiable, operational leakage, or reporting noise, then size the annual impact.
03
Recovery brief
You receive the redline model, processor negotiation script, board appendix, and 30-day execution queue.
Fixed-fee offer
14-day margin recovery sprint
$42kCreditable toward negotiation support if the audit identifies at least $250k in annualized recoverable margin.
Start with your volumeProcessor statement reconstruction with line-item bps normalization.
Rail-mix scenario model for card, ACH, RTP, wallet, and sponsor-bank fees.
Executive packet with CFO summary, board appendix, and contract redline targets.
One negotiation preparation session for finance, product, and payment ops.