Payments, done properly
Better approvals.
Better outcomes.
We get your business processing. Then we orchestrate and optimize it, for performance, cost, revenue and risk.
What we do
01
Processing
We get you set up with the right merchant accounts, gateway and MID structure for your business, using processors that actually want your vertical, through our direct-to-bank acquirers who process trillions annually.
- Merchant accounts, domestic and cross-border
- Gateway, terminals, ACH and alternative payments
- Interchange-plus pricing, no padded rates
02
Orchestration
More than one processor behind one checkout. Each transaction is routed where it's most likely to approve, and nothing stops if a bank has a bad day.
- Multi-processor routing and failover
- Network tokens, account updater, 3-D Secure
- Smart retries by issuer and decline code
03
Optimization
Every month, we review your approval rates, effective cost, recovered revenue and chargeback exposure, and improved where we can.
- Approval-rate and decline analysis
- Statement and interchange reviews
- Chargeback management and brand-threshold monitoring
Processing for prop trading firms, subscription businesses, healthcare and high-risk merchants
One Partner
Every vendor in your payment stack,
through one relationship.
Battle-tested processors, gateways, card issuance programs, sponsor banks, fraud tools, chargeback services. You deal with us, we deal with them. Caravan adds to your bottom line through direct banking relationships, collective processing volume, negotiating leverage, and payments expertise, with no added fees.
Your business
One contract. One point of contact.
Caravan
- Processing
- Orchestration
- Optimization
- Processors
- Gateways
- Sponsor banks
- Fraud tools
- Chargeback services
- Cross-border acquirers
Client result · Prop Trading
“We've reduced our effective processing rate by over 40% saving us millions annually since engaging with Caravan.
They also built us a custom failover system that automatically routes transactions to backup processors if our primary processor goes down, helping us avoid lost sales and have helped us reduce our chargebacks to under 0.5% and increased our approvals.”
TopstepChicago, IL
Client result · Prop Trading
“Caravan was able to get us additional capacity and lower rates when our former vendors could not.”
Prop Trading FirmDallas, TX
Client result · Prop Trading
“What’s down? Our effective rate by 27% and our chargebacks by 65%.
What’s up? Our approvals, MIDs (from 1 to 3) and most importantly our bottom line! Thank you Caravan!”
Prop Trading FirmNew York, NY
Client result · Healthcare
“Managing surgery centers across California requires dependable partners.
Caravan has helped us reduce processing costs, streamline patient payments, and ensure reliable funding across our locations. Their expertise and hands-on support allow us to focus on our physicians, operations, and patient care.”
Bay Area Surgical ManagementCalifornia
Client result · Subscription / POS System
“Caravan has been a reliable payment partner for our PGA rated courses for 15+ years with around the clock support and service.”
The Golf SystemPlano, TX
Client result · Subscription / Gym / Custom POS
“Caravan built us a custom payment gateway and POS system that’s been a huge improvement over the off-the-shelf solution we were using before.
It’s made things easier for our employees and created a much better experience for our members. Combined with competitive rates and first-class service, Caravan has helped us improve retention, grow revenue, and run our business more efficiently.”
Georgetown FitnessGeorgetown, TX
Client result · Hospitality
“Caravan has been a reliable partner for our chain with competitive rates and first rate service.”
Ruth’s Chris Steak HousesFlorida & Indiana
Client result · Hospitality
“Caravan has delivered white-glove service from day one, getting us up and running with payment processing under a tight deadline when other providers couldn't deliver.”
The Little River DistilleryMiami, FL
Client result · High Risk / Vape Shop
“Finding a reliable payment processor in our industry isn't easy.
Caravan got us competitive rates and has been great to work with from day one. They've become a partner we can count on, and I'd absolutely recommend them.”
Cloudhouse VaporCedar Park, TX
Client result · Healthcare
“As a self-pay practice specializing in regenerative medicine and musculoskeletal care, reliable payment processing is essential.
Caravan makes it easy for patients to pay, ensures dependable funding, and provides expert guidance so we can focus on delivering personalized care.”
Maple MedicalLake Oswego, Oregon
Who it's for
Built for businesses where payments decide the business.
Prop Trading Firms
Evaluation fees, resets and payouts at high approval, with chargeback handling built for the vertical.
Learn MoreSubscription & SaaS
Rebill recovery, account updater and network tokens so involuntary churn stops eating MRR.
Learn MoreE-commerce & DTC
Fewer false declines, processor failover and cross-border acquiring that doesn't tank approval.
Learn MoreHealthcare & Institutions
Hospitals, school districts and multi-location operators paying retail rates nobody renegotiated.
Learn MoreHigh-Risk Verticals
Nutra, coaching, digital goods, travel: specialist acquirers and proactive account health.
Learn MoreComplex & Multi-Entity
Multiple MIDs, currencies or legal entities that need one strategy and one point of contact.
Learn More
Team
Industry veterans.Decades in payments and acquiring.U.S.-based.
With decades of experience rebuilding complex payment operations, we started Caravan after seeing businesses overpay, lose revenue, and navigate too many vendors. We leverage our relationships, collective volume, and expertise to deliver best-in-class, battle-tested solutions under one roof, all focused on improving our clients' bottom line.
LOWER MY RATES
Get a free Payment Score.
Send one recent processing statement. Within 48 hours you get your approval rate against your vertical, your effective rate, your top decline reasons, and what fixing them is worth.