An independent payments advisor on the merchant’s side.
Derived compares payment processors, POS systems, equipment, software, and contract terms as one decision. We explain the tradeoffs and stay involved through implementation.
The work starts before a product is shortlisted.
Start with the operation
Derived begins with how the business sells, how the team works, what customers expect, what the current system costs, and where the friction appears—not with a preferred product.
- Locations, channels, volume, ticket size, and seasonality
- Orders, inventory, appointments, invoices, or delivery workflows
- Current hardware, software, processor, contract, and support issues
Read the current numbers first
For an existing merchant, one recent complete statement shows the effective rate, card mix, processor markup, recurring charges, and fee structure that a replacement must beat.
Filter the market around fit
The shortlist is built from required workflows, merchant eligibility, integrations, hardware, support, and complete economics. Products that cannot perform the difficult work do not stay on the list.
Put the whole agreement on one page.
Products, processor, equipment, software, implementation, contract, funding, and support belong in the same comparison.
Compare complete written terms
Hardware, software, processing, recurring fees, funding, contract terms, implementation, data access, and support appear in the same comparison.
Implement before the old system disappears
Configuration, data import, equipment staging, staff training, test payments, funding verification, and a rollback path belong in the decision—not in the week after signing.
Keep an advocate after launch
If you choose an option through Derived, we remain an escalation path when the provider relationship needs attention.
Understand how Derived is paid
The initial comparison, statement review, and consultation do not carry a merchant fee. If a merchant selects an available provider through Derived, that provider may compensate Derived; the applicable relationship and merchant contract terms should be disclosed before commitment.
An accountable relationship beyond the quote.
Derived frames the decision, documents the tradeoffs, coordinates the chosen setup, and remains an escalation path after launch.
Put an advocate on your side of the table.
Start with a recent statement or the operational requirements you already know.