Merchant Deal Desk

Board one deal, live — build it, apply your rules, decide

The same engine that replayed twelve months of history, run forward on a single new deal — ending in a genuine Authorization Record sealed on the live proof chain.

Build the deal

Read the merchant’s statement; model the economics.

Meridian Payments

Monthly Merchant Processing Statement

Statement period

Jun 1 – Jun 30, 2026

Merchant

Lumina Home & Electronics

MID 5410-88213-004 · Retail — Consumer Electronics (MCC 5732)

Processing summary

Gross processing volume$2,400,000.00

Transactions1,600

Average ticket$1,500.00

Total processing fees$74,880.00

Effective rate3.12%

Fee detail

Interchange & assessments$42,720.00

Processor markup$28,560.00

Monthly / PCI / gateway$3,600.00

Fictional statement for demonstration. Not a real merchant, processor, or account.

Modeled deal · Lumina Home & Electronics

Monthly volume: $2,400,000.00
Average ticket: $1,500.00
Priced rate vs interchange cost: 235 / 178 bps
Margin: 57 bps
Merchant savings vs current (3.12%): $18,480.00 / mo
Monthly margin dollars: $13,680.00 / mo
Rep residual (40% split): $5,472.00 / mo

Apply your rules

Each control runs against the deal. One bounded exception is open.

Margin at or above the tier floor

57 bps vs 20 bps floor

✓ pass

Equipment subsidy within cap

$300 vs $500 cap

✓ pass

Fee waivers within cap

none waived

✓ pass

Commission split within band

4000 bps (3000–5000)

✓ pass

Average ticket within auto-approve threshold

$1500 exceeds $1,000 → manager approval required

⚑ needs approval

Approve or escalate

The governed decision, through the real engine and human-review flow.

One bounded exception is open (average ticket above the auto-approve threshold), so boarding this deal requires a manager’s approval. Submitting runs the real Radien engine: it will escalate to an approver, the approver approves within authority, and a genuine Authorization Record is sealed on the live proof chain.