EIGHTBringing intelligence to your dataTalk to Eight
Payment intelligence infrastructure

One trusted record for every payment.

Eight Tech turns fragmented processor files, fee schedules, settlements, disputes, and merchant records into consistent financial intelligence your teams can use and defend.

See your data clearlyExplore the platform →
PCI DSS Level 1Processor independentSource traceable
TSYSFiservWorldpayBank files
Canonical record
Gross volume$24.8M
Net funding$23.9M
Effective rate2.71%
✓ Reconciled to source

Built for the data behind modern payments

BANKSPROCESSORSISOsPAYFACSFINTECHSMERCHANTS
The Eight platform

Payment data arrives fragmented. Decisions should not.

Every processor names, groups, and prices activity differently. Eight creates a canonical financial record across authorization, clearing, settlement, fees, funding, refunds, disputes, and merchant configuration—without erasing the source detail your analysts and auditors need.

01Ingest

Processor files, APIs, reports, pricing and bank activity.

→
02Normalize

One durable model for merchants, money movement and fees.

→
03Reconcile

Explain every variance from transaction to funding.

→
04Activate

Analytics, APIs, alerts and AI-ready intelligence.

Three layers. One source of truth.

From raw files to operational intelligence.

Start with normalized data, add portfolio-wide analytics, or embed intelligence directly into your own products.

01

Eight Data

A processor-independent foundation that converts complex payment records into governed, queryable objects.

  • Canonical payment data model
  • Processor and source lineage
  • Historical versioning and audit fields
  • Quality controls and exception handling
02

Eight Intelligence

Answers for the questions payment teams ask every day, without rebuilding the analysis for every processor.

  • Merchant 360 and portfolio visibility
  • Funding and settlement reconciliation
  • Interchange, fee and profitability analysis
  • Fraud, dispute and chargeback intelligence
03

Intelligence API

A stable, Stripe-style interface for normalized merchants, transactions, refunds, settlements, disputes and insights.

  • Secure versioned REST endpoints
  • Restricted keys, OAuth and mTLS options
  • Signed webhooks and idempotency
  • SDK-ready objects and errors
What Eight makes possible

Know where the money moved, what it cost, and why.

Reconcile faster

Connect processor activity, adjustments, fees and bank deposits in one defensible workflow.

Explain every fee

Separate interchange, assessments, processor charges and custom pricing with source-level evidence.

See portfolio risk

Track merchant performance, disputes, fraud signals and anomalies across processors and time.

Protect margin

Measure merchant and portfolio profitability using complete transaction economics—not estimates.

Built for complex payment businesses

One platform. Different vantage points.

Control the economics behind your portfolio.

Unify processor and internal data, validate funding, explain revenue and cost, and give risk, operations, finance, and leadership a shared view.

Discuss institutional requirements →
  • Acquirer and processor reconciliation
  • Merchant profitability and pricing governance
  • Network fee and interchange analysis
  • Audit-ready reporting and lineage

Run every merchant from one operating picture.

Compare performance across processors, find pricing leakage, monitor risk, and answer merchant questions with traceable data.

  • Merchant 360
  • Residual and margin intelligence
  • Multi-processor normalization
  • Exception and dispute monitoring

Make payment costs and cash flow understandable.

See settled activity, refunds, fees, chargebacks, and deposits together—and embed that intelligence in customer-facing products.

  • Funding visibility
  • Fee and effective-rate analysis
  • Embedded analytics
  • API access to normalized records
Security and governance

Designed for financial data that must stand up to scrutiny.

Eight combines payment-domain controls with record-level traceability. Your teams can see what changed, when it changed, and which source produced each value.

PCI DSS Level 1Validated controls for payment data environments.Temporal audit historyDurable record versions preserve the state used for reporting.Least-privilege accessRestricted credentials and scoped data access.Source lineageEvery normalized object can retain processor, file and record provenance.
Eight TechTRUSTED DATACONTROLLED • TRACEABLE • AUDITABLE
Built for developers

Payment intelligence, ready to integrate.

Use predictable resources, standard HTTP semantics, cursor pagination, signed webhooks, and stable versioning to bring normalized payment data into your applications.

Read the API docsDiscuss an integration →
GET /v1/merchants/mrc_01J8...

{
  "id": "mrc_01J8...",
  "object": "merchant",
  "status": "active",
  "processor": {
    "name": "tsys"
  },
  "livemode": true
}
Why Eight

Payment expertise before software abstraction.

Eight Tech is built around the realities of payment operations: processor reporting, TSYS data, interchange, authorization, settlement, refunds, chargebacks, fraud, pricing, merchant maintenance, and portfolio economics.

We turn that specialized knowledge into infrastructure that makes complex payment data consistent, explainable, and useful.

Bring us the difficult data

See what Eight can explain.

Start with a focused assessment of your processors, files, reconciliation gaps, and highest-value questions.

Request a data assessmentFor banks, processors, ISOs, PayFacs, fintechs, and complex merchants.