Everything a processor gives you. Then everything it doesn't.
Side by side: a plain processor account against Lombard — funding, daily visibility, disputes and terms, from one login.
Side by side
The left column is what a processing account typically is. The right column is what Lombard is.
Working capital
A plain processor account
When you need funding: a referral to an outside broker, priced at the broker's rates.
Lombard
Built in. An advance priced on your settlement history, delivered as a percentage of each day's card settlement — about half the cost of a broker-sourced advance.
Your daily numbers
A plain processor account
A monthly statement PDF, weeks after the fact.
Lombard
Every settled transaction, with the fee actually charged on it — and what each transaction actually cost you as a percentage, not your headline rate.
The fees you don't see
A plain processor account
Keyed entry, missing AVS and late batch closes quietly push sales to worse interchange tiers. Nothing tells you.
Lombard
Downgrade detection tells you which transactions were pushed to a worse tier, and what it cost.
Deposits
A plain processor account
A lump sum that doesn't match your batch, and no way to trace why.
Lombard
Gross sales → fees → remittance → deposit. Every day, to the cent.
Disputes
A plain processor account
A form portal, and a deadline you find out about when it has passed.
Lombard
Every chargeback, its deadline, and what stage it's at — with a first draft of your response written from the dispute record. You edit and approve; it is never submitted for you.
Getting an answer
A plain processor account
An 800 number and a ticket queue.
Lombard
Ask where your deposit is, why fees were higher, what a charge means — answered from your own records. And a person when you want one.
The terms
A plain processor account
A teaser rate, an auto-renewing contract, and an exit cost you learn about when you try to leave.
Lombard
Pricing for your volume and card mix in writing before you sign — including exactly what it would cost you to leave. And ten commitments, published permanently.
The platform behind the right column is shown, not asserted — see where your money goes, and the funding arithmetic on the funding page.