Where your money goes.
Shown, not summarised.
Your processor knows what every sale actually cost you. Most merchants never see it. Lombard is built on showing it — every settled transaction, every fee, every remittance, reconciled to the deposit that hits your account.
The part nobody gives a small merchant
A monthly PDF tells you what processing cost. It never tells you which sales cost more than they should have, or why. The difference lives transaction by transaction — in entry modes, missing ZIP codes, and batches closed late.
The platform is built on the same settlement records your processor already keeps, so it can show your money at the only resolution where the waste is visible: each sale, with the fee actually charged on it.
- Daily settlement detail
- Effective rate per sale
- Downgrade detection
- Deposit reconciliation
| Time | Card | Entry | Amount | Fee | Eff. |
|---|---|---|---|---|---|
| 9:12a | Visa •4421 | Tap | $18.40 | $0.48 | 2.6% |
| 9:47a | Mc •8810 | Chip | $64.15 | $1.67 | 2.6% |
| 10:03a | Visa •2296 | Keyed ⚠ | $148.00 | $4.59 | 3.1% |
| 11:31a | Amex •1005 | Tap | $41.30 | $1.24 | 3.0% |
| 12:18p | Visa •7752 | Tap | $22.75 | $0.59 | 2.6% |
| 1:02p | Debit •3319 | Chip | $96.20 | $1.15 | 1.2% |
| + 41 more transactions | |||||
Gross
$2,412.80
Fees
−$67.30
Remittance
−$289.54
Deposit
$2,055.96
Settlement data is published the business day after it settles, and can take up to three days for your processor to finalise fees.
Keyed sale · Visa •2296 · March 3, 10:03a
$148.00
Effective rate
3.1%
Fix: collect the billing ZIP when a card is keyed. This month, keyed sales without it cost $38.10 more than they had to.
Gross card sales
47 transactions, batch 0192
$2,412.80
Processing fees
as charged by the processor, per transaction
−$67.30
Remittance
12.0% of settlement — the amount actually withheld
−$289.54
Deposit
matched to your bank deposit, to the cent
$2,055.96
Settlement data is published the business day after it settles, and can take up to three days for your processor to finalise fees.
Your remittance is the amount the processor actually withheld— never an estimate, never volume × percentage.
Remittance ledger
Every remittance, the balance after it, and the source it was verified against.
Two-source verification
Every remittance reconciled against two independent records before it touches your balance.
$210.00
13.7 · Cancelled recurring
Submitted — awaiting decision
Respond by Sep 15
$84.20
10.4 · Fraud, card-absent
Evidence needed
Respond by Sep 3
$32.75
13.1 · Services not provided
Draft saved
Respond by Sep 11
Disputes, without the fax machine
Most merchants meet a chargeback as a PDF, a deadline they didn't see, and money already gone. The platform turns the whole thing into an inbox: every dispute, its stage, its deadline — and a guided response you edit and approve, never one submitted for you.
- Guided response
- AI-drafted rebuttal
- Evidence management
- Deadline reminders
And the rest of it
Everything an account includes — each of these built on the same settlement records, none of them an upsell.
Batch-close alerts
Closing late costs money. We flag the days it happened.
Debit routing visibility
Whether PIN debit went to the cheapest available network, and what the alternative would have cost.
Decline analytics
What you lost to declines, grouped by reason, with the ones worth retrying.
Volume health alerts
No batches in three days, or volume down sharply against your own baseline — you hear about it.
Cash-flow view
Settled volume as a trend, with next week's expected deposits.
Fee transparency
Every fee on your account, itemised, with what triggered it.
Statements
Monthly statement generated from the ledger, not recomputed.
Multi-location
Several MIDs under one login, rolled up or separate.