CEDX Payments · Finance
340 transactions this month: $509K gross, $478K net after fees and refunds, 91.5% auth success and $296K in open disputes. Payments shows the rate, the fee on every row, and a priced path to a better rate.
The optimization panel prices its own claim: +4.2 points of auth rate is worth $21K of recovered volume this month, “priced off MTD gross $509K — recovered auths flow straight to gross, fees unchanged.”
Runs on demo data — the optimizer labels its own framing: “A/B framed from the weekly trend”.
What it is
The auth optimizer models three levers against the weekly trend: smart retry timing at issuer-ledger hours (+1.6pp), network route selection per issuer (+1.8pp), and low-risk auth-flow exemptions (+0.8pp). Together they project 91.5% to 95.7% — $21K of recovered volume MTD.
340 transactions with status, amount, fee, net and method. A $19K charge from North Freight cleared at a $312 fee; a $24K charge sits pending at $460; the disputed rows carry their own state instead of vanishing into a total.
Every active method — card, wallet, ACH, bank debit — carries volume, transaction count, ok%, decline%, optimized% and fee%. Card ··4242 runs 96% ok at 2.70% fee; one wallet rail runs 91% at 3.85% — the fee-leakage alert exists because this table exists.
Product tour
Not a mockup and not a concept deck. This is what opens at /app/payments.
01 — Overview
Gross MTD $509K, net $478K, effective fee 2.6% down 0.12pp, auth success 91.5%. The right rail prices the problems: evidence deadlines closing on 15 disputes at $32K, wallet fee leakage at $5.5K, and $1.1M of bank lines not yet matched.
02 — Transactions
340 rows newest-first with the economics on each: amount, fee, net. Success rate 91.5% with 22 failed is a card above the table, and the disputed $296K has its oldest item — $111K — printed next to it.
03 — Methods
The 31 high-decline rows are findable here: one ACH rail at 84% ok with a 3.11% fee, a bank-debit rail at 89%. The optimized column shows what the levers would do per rail — 95.2% on the wallet, 97.5% on the primary card.
04 — Payouts
90 payouts with status, amount, transaction count, arrival date and bank. $401K arrived MTD, $524K is in transit, and 11 failed payouts are a count on a card with reroute as the next action.
Who runs it
Roles, not references. We have no named customers yet, so nobody in these photographs is quoted, credited or claimed as one.
Sees acceptance the way the queue does — declines, retries and which rails are having a bad week, at 91.5% and climbing.
auth 91.5% · target 95.7%
Works the 15 evidence deadlines before they lapse — $32K of disputes need a response, and the oldest open dispute is $111K.
15 deadlines · $32K
Watches the $524K in transit and the $1.1M of unmatched bank lines — settlement is a cash-forecast input, not a surprise.
$524K transit · 69% reconciledThe shape of it
Every figure below is legible in the captures above. Nothing here is a projection of your estate — it is the state of the demo data.
How it runs
Every auth lands on the transactions table with its method and outcome — 91.5% succeed, 22 fail, and the failures keep their state.
The three levers model the recovery: retry timing, route selection, exemption use — priced at $21K of volume this month, A/B framed from the trend.
Chargebacks become a deadline queue: 15 need evidence, $32K at stake, oldest open at $111K — before they become automatic losses.
Payouts carry arrival dates per bank; failures reroute. Reconciliation sits at 69% with the unmatched $1.1M visible until it clears.
One record
These captures come from one demo workspace — Northline Systems — so the customers and amounts here are the same ones the rest of the finance apps carry.
Where the attempted charges begin — sessions, funnels and abandonment on the same workspace's storefront.
CEDX InvoicingThe book the settled payments are applied to — 180 payments recorded against their invoices.
CEDX TreasuryWhere the $524K in transit lands — positions, liquidity and the value-date ladder.
Limits
Finding this out on the third call is worse for you than reading it here, and worse for us.
Start
Open it right now
Your rails, your volumes
Payments with the rest of it
Questions
Yes. Every screenshot is a capture of the running build and you can open the same build at /app/payments. It runs on demo data.
Three named levers, each with its contribution printed: smart retry timing at issuer-ledger hours (+1.6pp), network route selection per issuer (+1.8pp), low-risk auth-flow exemptions (+0.8pp). The projection is A/B framed from the weekly trend — control 93.8%, test 95.0% — and priced off MTD gross.
From the rows. Every transaction carries amount, fee and net; every rail carries its own fee% — from 0.54% on one ACH rail to 3.85% on the wallet. The 2.6% effective rate is the aggregate of those, down 0.12 points.
It is counted and rerouted. The payouts screen shows 11 failures as a card-level figure with the failed state on each row, alongside the $524K in transit and its arrival dates.
No certification has been issued, including card-scheme audits. What we can evidence about hosting, encryption, tenant isolation and production access is written up on the security page.
Live build, demo data, no card. Then pull your own auth rate and see what 4.2 points would be worth.