What is residual auditing?

Residual auditing reconciles your processor's monthly residual report against your Schedule A and ISO agreement. It compares expected vs. actual residual on every line item and flags material variance, rates that don't match your contract, fee categories that map differently, or configuration drift worth reviewing.

What file formats does Residual Genius accept?

CSV and Excel exports from common processor layouts (CardConnect has a locked fast path; Fiserv-rail, TSYS-rail, Worldpay-style, and unfamiliar columns use AI-assisted mapping). No reformatting required.

How long does an audit take?

5 to 10 minutes for typical files. Large portfolios with tens of thousands of rows may take 30 to 60 minutes or longer. Processing runs in the background and we will email you when your audit is complete.

Is the first audit really free?

Yes. Create a free account and audit your first residual report. No upfront payment, then $147/mo Agent unless you cancel before your first charge.

Who is Residual Genius for?

Individual agents and ISO operations teams in payment processing who manage merchant portfolios and need monthly reconciliation against their Schedule A, without rebuilding spreadsheets every month.

Residual auditing for Agents & ISOs

The AI that catches what your processor hopes you won't.

Residual auditing for Agents & ISOs, find every dollar you're owed, automatically.

Audit your first report free See how it works

No upfront payment. Start your first audit free, then $147/mo. Cancel anytime in one click.

Your first audit is free

One free audit on any processor format
Map your Schedule A once, then reconcile every line item
Then $147/mo Agent unless you cancel before your first charge

Who it's for

Choose your path into Residual Genius

Same audit engine, different operating context. Pick the entry point that matches how you reconcile residuals today.

Independent agents

You own the book and the Schedule A. Reconcile every line without spreadsheet fire drills.

Agent path

ISO & upline ops

Scale Schedule A reconciliation across agent books, versions, and processor formats.

ISO ops path

Banks & credit unions

Independent JV residual verification and exportable governance records for oversight teams.

Institution path

See it in action

Watch a live audit, simulated

Upload → Schedule A → reconcile → findings. A compressed preview of what agents see, sample merchants only, no real audit run.

Simulated workflow · compressed from ~6 min

Audit in progress, sample data

sample_april_residuals.csv

17,351 rows · sample file

Uploading…0%

Sample data · illustrative audit preview only

Full walkthrough on How it works

The problem

Processors make mistakes, and some aren't mistakes.

It's not paranoia, it's math, and it's impossible to catch by hand across hundreds of merchants and thousands of line items every month.

Rev-share variance

Small basis-point gaps on individual merchants compound across a portfolio, variance that is easy to miss when you spot-check by hand.

Fees that don't match your Schedule A

PCI passthroughs, statement fees, and line items that map differently than your contracted rate table, buried in dense monthly exports.

Rates that drift from contract

Contracted rev-share that diverges in the residual file, wrong tier, wrong split, wrong month, and no one catches it line by line.

See what you're leaving on the table

Most agents don't know they're being underpaid until they run their first audit.

Interactive estimator

How many merchants in your portfolio?100

Average monthly processing volume per merchant ($)$25k

Your rev share %70%

Your estimated monthly residual

$9,722.22

Industry average underpayment rate: 1.3% of line items

Estimated monthly underpayment

$126.39

Estimated annual underpayment

$1,516.68

Estimated 3-year underpayment

$4,550.04

This is what Residual Genius finds automatically, every month, in about 5 minutes.

Audit your first month free

Estimate based on industry average variance rates. Your actual results may vary.

How it works

Three steps from upload to variance surfaced

Upload any format

Drop your residual report, CSV, Excel, or dense processor exports. CardConnect uses a locked fast path; other layouts map via AI-assisted column detection before reconciliation.

AI reconciles every line

We match every line item against your Schedule A rates and flag every variance that matters.

Variance report, line by line

See every discrepancy by merchant and line item, typically within 5 to 10 minutes for typical files for most files (varies by size).

Why Residual Genius

Manual spreadsheet auditing vs automated reconciliation

We are not comparing ourselves to a named competitor. This is what changes when you move residual reconciliation out of Excel and into contract-driven software.

Dimension	Manual spreadsheets	Residual Genius
Time per month	Hours to days reconciling in Excel, or skipped entirely	Typical turnaround: 5 to 10 minutes for typical files
Accuracy	Formula drift, wrong rate version, easy to miss small negative variance	Expected pay computed from your Schedule A rev-share on net, every line
Portfolio coverage	Spot-check a handful of merchants; the rest assumed correct	Every merchant and line item on the report, every month

Pricing

Simple, transparent pricing

Start free. Upgrade when you're ready. Cancel anytime.

Agent

$147/mo

Perfect for independent agents auditing their own residual portfolio.

Unlimited residual audits
AI-powered exception detection
Schedule A rate versioning
Portfolio command center
Dispute letter drafts
Digest & export tools
1 user

Start Agent, $147/mo

Upload your Schedule A, however you've got it

PDF, screenshot, spreadsheet, contract clause, we don't care. Our AI ingests it and gets smarter with every one. No data entry. No rate tables to maintain by hand.

Compounding intelligence

Gets smarter with every audit

Every audit sharpens the system. Systematic variance repeats across hundreds of merchants, the same fee category, the same rate mismatch, month after month. We surface the patterns so you can review and document them.

Managed recovery

Finding the money is step one

We package confirmed findings into mediation-ready documentation and help you align with your processor on what the numbers show. You keep the lion's share, we only win when you do.

Residual Genius is not a law firm and does not provide legal advice. Mediation features document discrepancies and facilitate business correspondence only.

Built on real operating experience

Honest about who we are

Residual Genius is a new platform. We do not publish customer counts, fabricated testimonials, or logo walls we cannot stand behind. What we can share is how the product was built and how the audit methodology works.

Founder credibility

Built by operators with 20 years in payment processing and real ISO residual reconciliation experience. The workflow reflects how agents actually audit: upload the report, match Schedule A, quantify variance, document findings.

Methodology transparency

Expected residual is computed from your Schedule A rev-share applied to net income per line item, not generic industry benchmarks. You review flagged variance and confirm against your contract before anything is treated as recoverable.

How we are different

Processor portals show what was paid. Spreadsheets move rows around. Residual Genius tests whether paid residual matches your contract on every merchant and fee line, then groups patterns so you see portfolio-wide issues, not isolated cells.

We are early. Your audit results come from your uploads and your Schedule A, not from a black box score. If we cannot support a claim with product behavior, we do not put it on this page.

Frequently asked questions

Common questions about residual auditing

What is residual auditing?: Residual auditing reconciles your processor's monthly residual report against your Schedule A and ISO agreement. It compares expected vs. actual residual on every line item and flags material variance, rates that don't match your contract, fee categories that map differently, or configuration drift worth reviewing.
What file formats does Residual Genius accept?: CSV and Excel exports from common processor layouts (CardConnect has a locked fast path; Fiserv-rail, TSYS-rail, Worldpay-style, and unfamiliar columns use AI-assisted mapping). No reformatting required.
How long does an audit take?: 5 to 10 minutes for typical files. Large portfolios with tens of thousands of rows may take 30 to 60 minutes or longer. Processing runs in the background and we will email you when your audit is complete.
Is the first audit really free?: Yes. Create a free account and audit your first residual report. No upfront payment, then $147/mo Agent unless you cancel before your first charge.
Who is Residual Genius for?: Individual agents and ISO operations teams in payment processing who manage merchant portfolios and need monthly reconciliation against their Schedule A, without rebuilding spreadsheets every month.

Reconcile with confidence, every month.

No upfront payment. Start your first audit free, then $147/mo. Cancel anytime in one click.

Audit your first report free