Payment Intelligence · 10 combined years in payments

We help businesses stop overpaying for credit card processing.

Atom Payments audits your processing fees, fixes your rates, and monitors every statement. We built RateSidekick to do this at scale. We offer direct processing for businesses that want fair, transparent pricing.

Visit RateSidekick →
10 combined years in payments · We work for you, not against you
$1M+
In recovered fees
300+
Statements analyzed
30%+
Average fee reduction
10×
Typical year one ROI
What clients say
"
Owen has been very responsive with anything we need. We've saved a significant amount of money each month on fees and look forward to continuing to do so.
VP
"
Owen is always available when we need help or have questions. Atom secured us better processing rates and has been a reliable partner for all of our payment needs.
Controller
"
Owen and Atom saved our company a ton of money. The whole process was easier than I ever imagined. 10/10.
COO
What we do

Two ways to work with us.

Whether you want us to audit what you're currently paying, or you want to process with us directly, both start with the same thing: an honest look at what your fees should be.

Flagship Product
RateSidekick
We audit your current processing statement, fix your rates without switching processors, and monitor every statement every month. Built for businesses and PE firms who want the full picture, and want it to stay fixed.
Recovered
$1M+
Avg reduction
30%+
Year one ROI
10×
Upcharges caught
100%
No switching required. Flat fee. You keep the savings. Learn more →
Direct Processing
Atom Processing
For businesses that want to move to a processor that works for them. Fair IC+ pricing, no hidden fees, no rate increases, and a monthly savings review so you always know what you paid and what you saved.
Pricing model
IC+
Hidden fees
None
Contracts
None
Direct access
Always
Same networks as big processors. Without the markup.
Already an Atom client? Nothing changes for you. Your account, your rates, and your monthly reviews are all exactly where they've always been. Reach out to Owen directly with any questions.
The team

Built by people who know payments from the inside.

10 combined years in the payments industry. We know how processors build their statements, where the margin is hidden, and exactly how far to push when negotiating on behalf of a client.

Owen Molloy
Founder
Owen founded Atom Payments after years inside the payments industry watching businesses overpay their processors without knowing it. He built RateSidekick to fix that problem at scale. Every Atom and RateSidekick client has direct access to Owen, Not a support queue, not a ticketing system.
Founder, RateSidekick
Mason Smith
VP, Business Development
Mason spent years at Global Payments, one of the world's largest processors, before joining Atom. He knows exactly how processors structure their fees, which charges are negotiable, and what businesses consistently leave on the table. That knowledge is what makes the RateSidekick audit different from anything else in the market.
Former Global Payments
Ready to see the number?

Find out exactly what you're paying, and what you should be.

Send us a statement. We'll show you the number. No obligation, no sales pitch, just an honest picture of what your fees should look like.

Visit RateSidekick →
owen@atompayments.co
Free Audit Request

Tell us about your business

We work with a limited number of operators each quarter. We review every request personally and respond within one business day.

No upfront cost · Only pay once savings are confirmed
✓
Request received.
We review every request personally.
Expect to hear from us within one business day.