Payments intelligence for ecommerce

Find the revenue your payments are quietly losing.

Your processor reports sales. WyseBiz reports what went missing between checkout and your bank account: declined payments, fees above contract, refunds, disputes and short payouts. Then it hands you the tools to fix them.

Join the waitlist See how it works

In early access. Works alongside the processor you already use; nothing about how you take payments changes.

Fees above contract

Card processing · Oct 1–14, 2026 · USD · 1 store

Sample data

Expected feesAt your contract rate: $1,666.62
Charged feesProcessor statement: $1,894.20

Difference: +$227.58charged above contract

Identified discrepancy

How expected fees were calculated

2.70% × $48,260.00 card volume: $1,303.02
$0.30 × 1,212 transactions: $363.60
Expected: $1,666.62

Where the $227.58 came from, line by line

318 transactions billed at 3.29% instead of 2.70%, on $12,640.00$74.58
1.00% cross-border fee on $9,120.00 — not in your contract$91.20
$0.45 per transaction instead of $0.30, on 412 transactions$61.80

Suggested next stepCheck these three items against your signed pricing schedule, then send the line-item export to your processor.

Five places revenue goes missing

Each one is a comparison between two sets of records you already have. The column on the right matters as much as the others: knowing what a number doesn't prove keeps the total honest.

Declined payments
What WyseBiz compares
Every authorization attempt, its decline code, card type and issuing country.
What it can mean
A spike in one decline code can mean an issuer rule, a fraud filter set too tight, or a checkout bug.
What it doesn't prove
A declined customer may never have bought. Declines are reported as an estimated opportunity, never as money owed.
Fees above contract
What WyseBiz compares
The rate on each transaction against the pricing schedule you signed.
What it can mean
Downgraded rates, surcharges outside your contract, or a per-transaction fee that quietly changed.
What it doesn't prove
Some surcharges are in the fine print. You confirm each one against your own contract.
Refunds
What WyseBiz compares
Refunds against the original order, amount, date and who issued them.
What it can mean
Duplicate refunds, refunds larger than the order, or fees kept by the processor on refunded sales.
What it doesn't prove
Most refunds are deliberate. We only flag ones that don’t match the order they reverse.
Disputes
What WyseBiz compares
Each chargeback, its reason code, response deadline, and the order behind it.
What it can mean
Money held until you respond, plus a dispute fee — and missed deadlines lose by default.
What it doesn't prove
Not every dispute is worth fighting. We show what evidence you have; you decide whether to respond.
Short payouts
What WyseBiz compares
The payout your sales should produce against the deposit that reached your bank.
What it can mean
Unexplained withholdings, missing batches, or deductions with no matching line in the report.
What it doesn't prove
A pending payout isn’t a missing one, and reserves are often in your terms. We account for both before flagging.

Four labels, used everywhere

An amount never moves to the next label on its own. Every figure in WyseBiz, and on this page, carries one of these.

Estimated opportunity
A range, not a debt. Example: declines that might have succeeded on retry. Nobody owes you this money.
Identified discrepancy
Your records disagree by an exact amount, and we can show you which lines. It still needs checking.
Confirmed loss
You checked it against your contract or statement and agree it is wrong. Now it is worth raising.
Recovered
Money your processor credited back, or a dispute you won. You record it, so the total stays true.

Payout for Oct 9 sales

Sample data · USD

Oct 9Sales captured96 orders+$9,140.00
Oct 9–10Refunds issued4 refunds, each matched to its order−$310.00
Oct 10Dispute debited1 chargeback, order #10482−$120.00
Oct 10Dispute feePer your contract−$15.00
Oct 10Processing fees2.70% + $0.30 on 96 orders−$275.58

Expected payoutSum of the lines above: $8,419.42
Deposited Oct 11Bank statement line: $8,194.42

Difference: −$225.00not explained by any record

Identified discrepancy

Five records, three sources: the store's order export, the processor's settlement report, and the bank deposit.

Every finding shows its working

WyseBiz rebuilds what each payout should have been from your own records, then checks every known reason for a difference before it calls anything missing.

Before flagging the $225.00, it checked:

Refunds — all 4 matched to orders in this batch
Dispute and fee — matched to the chargeback notice
Processing fees — match your contract rate
Reserve or holdback — none in your terms on file
Line in the processor’s payout report — none for $225.00

Only after nothing explains it does the gap become an identified discrepancy. If your processor replies with a reason, you mark it explained and the total updates.

From finding to resolution, you stay in charge

WyseBiz finds the gap and prepares the paperwork. It doesn't contact your processor, submit disputes or move money on your behalf.

1
WyseBiz · automatic
Detect
New records are compared as they arrive. A finding opens with the amount, the period and every line behind it.
2
You
Inspect
Open the finding, inspect a decline, compare fees or trace a payout. Mark it confirmed, or explained if there is a reason.
3
WyseBiz drafts · you send
Raise it
Export the line items, or a drafted message to your processor that cites them. For a chargeback, build the evidence packet.
4
You
Record the outcome
Enter the credit or the dispute decision. Recovered totals only count money you have confirmed came back.

Chargeback · order #10482

The $120.00 dispute from the Oct 9 payout

Sample data

Amount held: $120.00 USD
Dispute fee: $15.00 USD
Reason: Item not received
Respond by: Oct 30, 2026

Evidence for this reason code3 of 5 gathered

Order record and payment authorization
Carrier tracking with a delivery scan
Shipping address matches billing address
Messages with the customer, if any
Refund policy as shown at checkout

You add the last two items, download the packet, and submit it through your processor before the deadline. WyseBiz takes no share of what you win.

What it needs from you

Five kinds of records you already have. WyseBiz reads them; it doesn't replace your processor, your store platform or your bank.

About connections

We haven't announced specific processor or platform integrations. During early access we confirm, store by store, which records we can connect directly and which you would upload — before you commit to anything.

Records WyseBiz uses, where they come from, and what they are used for
Record	Comes from	Used for
Orders	Your store platform	What each customer was charged, and which refunds and disputes belong to which order.
Transactions and settlements	Your payment processor	Authorizations, declines, fees per transaction, and how each payout was assembled.
Bank deposits	Your business bank account	What actually arrived, and when. This is the end of every trace.
Your pricing schedule	Your processor contract	The rates you agreed to. Without it, WyseBiz can show what you paid but not whether it was right.
Dispute notices	Your payment processor	Reason codes and response deadlines, so nothing expires unnoticed.

Getting started during early access

1Tell us your setupProcessor, store platform, and roughly how much you sell by card.
2We confirm coverageWhich of the five records we can read, and anything you would need to export.
3First reconciliationWe work through the history you provide and walk you through the findings.

What we can show you, and what we can't

WyseBiz is in early access. There are no customer results, logos or testimonials on this page because we don't have verified ones to show yet. Every figure above is labelled sample data.

WyseBiz can

Read the records you connect or upload
Compare them and show the lines behind every finding
Draft exports and messages for you to review and send

WyseBiz cannot

Move, refund or withhold money
Change anything in your processor or store
Contact your processor or submit disputes for you
See full card numbers — it is designed never to request them

Known limits

It cannot know whether a declined customer would have bought. Declines stay estimates.
Findings are only as complete as the records you give it. A missing report means a gap it cannot see.
Without your pricing schedule it can report fees, not judge them.
It cannot make a processor pay. Recovery depends on your contract and their response.

Pricing: contact us.

Tell us about your store and how you take payments, and we'll come back to you with details.

Opens an email to hello@wysebiz.com

See what your last payout should have been.

Join the waitlist with your processor and store platform. We'll tell you which records we can work with before you commit to anything.

Join the waitlist

Opens an email to hello@wysebiz.com

Find the revenue your payments are quietly losing.

Five places revenue goes missing

Declined payments

Fees above contract

Refunds

Disputes

Short payouts