We untangle the complexity in your EFT platform.
Performance Processing works directly with financial institutions to bring clarity to their ATM & Debit program — reducing expense across every channel, strengthening contracts, and uncovering revenue that was already sitting in the portfolio.
Deep EFT experience, built into an independent practice.
Our founder spent over eight years inside one of the EFT industry's leading processors, focused on ATM & Debit processing, before forming Performance Processing in December 2005. The firm was built for one purpose: to give financial institutions around the country an independent, highly focused partner for untangling the complexity of their EFT platform.
That focus shows up as multi-channel expense reduction and revenue improvement, contract negotiation and re-negotiation, and vendor analysis and management — always aimed at the same goal, giving each institution an overall better understanding of its own ATM & Debit program.
Clarity first. Savings and revenue follow.
Financial institutions rarely lack data on their EFT program — they lack a clear view of it. Our mission is to build that clarity first, then convert it into measurable results: lower cost, stronger contract terms, and revenue opportunities the institution didn't know it had.
Where we go to work inside your program.
EFT Platform Analysis
A ground-up look at how your ATM & Debit program actually runs, so decisions get made with a complete picture instead of a partial one.
Expense Reduction & Revenue Improvement
Multi-channel review that identifies where cost can come out and where revenue is being left on the table.
Contract Negotiation & Re-negotiation
Direct negotiation and re-negotiation support with processors and vendors, backed by industry benchmarks.
Vendor Analysis & Management
Ongoing evaluation and management of the vendor relationships that sit underneath your EFT platform.
Consortium Modeling
Our largest engagement to date brought together roughly 40 financial institutions to uncover material, previously unrecognized value inside their Debit and Credit card portfolios — spanning both Visa and Mastercard.
That work became Consortium Modeling, an approach we continue to pioneer: assembling and administering group projects multiple times a year across EFT processing and PIN & Signature network opportunities, so institutions can access leverage that's difficult to reach on their own.
Nearly two decades measured in results.
Performance Processing opened with nine consecutive record years, measured against client count, savings generated, and gross revenue. That streak paused in 2015 while the firm led the largest project in its history — the initiative that became Consortium Modeling — and 2016 answered with a new record, surpassing 2014's revenue by more than 150%.
Following continued growth of 23% in 2022 and 17% in 2023, Performance Processing was named to the Central Penn Business Journal's Fastest 50 list in Central Pennsylvania.
Let's talk about your EFT platform.
Email: info@performanceprocconsulting.com
LinkedIn: linkedin.com/in/performanceprocessing