Swipesum has launched CPO, its first product, combining software tools with a payments operations team.

The St. Louis company said the platform brings together Audit, Merchant Account, Gateway and Connect in a single payments command centre for businesses managing complex card processing arrangements. After spending the past decade as an outsourced payments adviser, Swipesum has now packaged that work into a product.

CPO enters the market as merchants face rising payment costs and closer scrutiny of card acceptance decisions. Swipesum pointed to record interchange charges, increasing network fees and the operational burden on mid-market businesses that often lack in-house payments specialists.

The launch also comes as the US card market could face changes if the Visa-Mastercard settlement is approved after a hearing later this month. That could force merchants to review which cards they accept and whether they apply surcharges, increasing demand for systems that analyse payment data and support operational changes.

At the centre of the offering is Swipesum Gateway, which uses Mastercard Merchant Cloud as part of its payment infrastructure. The gateway includes network tokenisation, credential lifecycle management, card vaulting and support for Level 2 and Level 3 data.

Alongside the gateway, Audit analyses merchant statements using artificial intelligence and benchmarks built from Swipesum's historical data. The tool is designed to identify interchange issues, pricing discrepancies, downgrades and residual payment errors, and is also available through an application programming interface.

Merchant Account is positioned as a provider-agnostic processing layer. It structures payment processing around a client's economics, system integrations and operational needs, while the audit tools continue to assess costs over time.

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