Payment Operations, Finally Under Control
The unified platform for payment reconciliation, fee analysis, and revenue optimization. Built for PayFacs, ISOs, and enterprises processing through multiple providers.
Start Seeing Your True Costs
See Every Fee. Catch Every Variance. Optimize Every Transaction.
See Every Fee, Every Time
Stop wondering where your money goes. GovTechPay Operations Dashboard breaks down every transaction into its component costs—interchange by card type, network assessments, processor markup—so you know exactly what you're paying and why. No more black-box billing.
One Platform, Every Processor
NMI, Stripe, Adyen, Braintree, Checkout.com—upload files from any processor and get a unified view. Auto-detection handles the rest. No configuration, no mapping, no spreadsheet gymnastics. Just drag, drop, and get answers.
Reconciliation That Actually Reconciles
Our intelligent reconciliation engine doesn't just show you variances—it categorizes them. Know what needs attention versus what will clear itself. Timing differences, declined transactions, refunds, and fee discrepancies all identified automatically.
Upload Any File. Get Unified Data.
Every processor speaks a different language. NMI batches transactions differently than Stripe. Adyen breaks down fees differently than Braintree. GovTechPay translates all of it into a single, consistent schema.
Upload your files, and we handle the parsing, normalization, and mapping automatically. Your team stops fighting with data and starts analyzing it.
  • 5 production-ready parsers (NMI, Stripe, Adyen, Braintree, Checkout.com)
  • Auto-detection identifies processor and file type
  • Unified transaction schema across all sources
  • Preserves granular fee detail from each processor
See Where Every Penny Goes

Most platforms show you a total fee. We show you the components: interchange by card type and qualification level, network assessments, processor markup. Know which transactions are costing you more and why. Identify downgrade patterns. Catch billing errors before they compound.
01
Interchange Fees
Program codes and qualification levels broken down by card type
02
Network Assessments
Network and assessment fees separated for clarity
03
Processor Markup
Processor markup isolated to show true costs
04
Effective Rate
Calculation per transaction, merchant, and period
Know What Needs Attention
A $50,000 variance sounds alarming—until you realize $48,000 is timing (clears tomorrow) and $1,500 is declined transactions (expected). The remaining $500? That's worth investigating.
GovTechPay automatically categorizes variances so your team focuses on real issues, not false alarms.
Timing
Transactions not yet settled (auto-resolves)
Declined
Failed authorizations (never settle)
Refunds
Deductions from future deposits
Fees
Chargebacks, rate changes, adjustments
Unexplained
Requires investigation
Built for Your Business Model
Payment Facilitators
Know your portfolio inside and out. Merchant-level profitability analysis, reserve tracking with balance monitoring, risk tiering, and fee allocation rules for accurate cost attribution.
Independent Sales Organizations
Stop managing residuals in spreadsheets. Transaction-level cost tracking, automated fee breakdown, invoice reconciliation, and margin analysis by merchant and period.
Enterprises
One source of truth for all your processors. Unified view across providers, cross-processor performance comparison, consolidated reconciliation workflow, and effective rate analysis.
For PayFacs: Know Your Portfolio Inside and Out
Managing sub-merchants means managing risk. GovTechPay gives you visibility into which merchants are profitable, which need attention, and where your reserve exposure stands. Configure pricing models (IC+, flat rate, tiered, surcharge), track reserves in real time, and catch margin compression before it hurts.
Merchant-Level Profitability
Analyze profitability for every sub-merchant
Reserve Tracking
Monitor balances and exposure in real time
Risk Tiering
Low, standard, elevated, and high risk categories
Built By Payment Operations Professionals
GovTechPay wasn't built by engineers who read about payments in a textbook. It was built from the inside out—by someone who spent years managing payment operations for enterprise platforms.
Every feature addresses a real pain point. Every calculation reflects how payments actually work. This isn't a generic fintech dashboard with payments bolted on. It's a purpose-built operations platform.
21
Database Tables
Modeling payment operations
97
API Functions
Complete coverage
5
Production Parsers
Ready for major processors
22
Fee Allocation Rules
Default configurations
Frequently Asked Questions
Which processors do you support?
Currently: NMI, Stripe, Adyen, Braintree, and Checkout.com with production-ready parsers. Worldpay, Square, and Fiserv are in development. The platform is designed to add new processors quickly.
How does the auto-detection work?
When you upload a file, we analyze the headers and sample data to identify which processor it came from and what type of file it is. No configuration required.
How is this different from my processor's portal?
Processor portals show you their data in their format. GovTechPay normalizes data across all your processors, breaks down fees more granularly, and provides reconciliation and analysis tools that portals don't offer.
Ready to Take Control of Your Payment Operations?
Stop wrestling with spreadsheets. Stop wondering where your money goes. Start managing payments with complete visibility and control.
Modern Technology Stack
React + TypeScript frontend, Node.js + tRPC backend, MySQL database. Type-safe end-to-end. Modern, maintainable, and built to scale.
Built to Scale
Whether you're processing thousands or millions of transactions, GovTechPay handles the volume while maintaining granular visibility into every fee and every variance.