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Embedded Payments Growth Index

Find out if your payments are working as hard as
your business.

The Fortis Growth Index benchmarks your payments performance against businesses in your industry — and shows you exactly where you’re leaving revenue on the table, and what it would take to recover it.

Get my free Growth Index score See how it works

Why most businesses don't know how their payments are performing

Your payments are running — but are they working?

  • Most businesses have never measured their payment acceptance rate — and have no idea how they compare to peers in their industry.
  • Failed transactions, slow settlements, and excess processing fees quietly drain revenue every month — often without showing up anywhere in your reporting.
  • Customers who hit friction at checkout don’t complain — they leave. Checkout abandonment rarely shows up as a named line item, but it compounds every month.
  • Without a benchmark, there’s no way to know whether what you’re experiencing is normal for your industry — or a recoverable revenue problem.

How it works

What is the Fortis Growth Index?

The Fortis Growth Index is a free benchmarking assessment that scores your payments performance across four dimensions — and shows you how you compare to businesses in your industry, vertical, and size range.

It takes under 2 minutes. You’ll get a personalized score with specific, actionable findings — not a generic report. And if you want to go deeper, a Fortis payments expert is available to walk through your results.

The four dimensions we measure

Four dimensions that determine whether your payments are a growth asset or a drag on your business

Each driver represents a dimension where embedded payments programs either compound growth—or quietly leak it.

Revenue Transparency

From invisible fully visible

You can't fix what you can't see. This dimension measures whether you have real visibility into how your payments are performing — acceptance rates, failed transactions, settlement timing, and true processing costs.

What good looks like

You know your payment acceptance rate, your average processing cost, and which transaction types are underperforming — and you review them regularly.

Customer Adoption Depth

From limited options full payment flexibility

Your customers want to pay in more ways than ever — card, ACH, digital wallets, Buy Now Pay Later. This dimension measures whether your payment options match what your customers actually want to use.

What good looks like

Your customers can pay the way they prefer — and you're not losing sales because a payment method isn't available.

Integration Flexibility

From friction seamless experience

Every extra step in the checkout process costs you conversions. This dimension measures how much friction exists in your current payment flow — and where customers are dropping off before they complete a transaction.

What good looks like

Checkout is fast, clear, and works consistently across channels — and your abandonment rate reflects it.

Strategic Alignment

From cost center revenue driver

Payments shouldn't just be an operational function — they should actively contribute to your revenue. This dimension measures whether your payments setup is optimized to capture more revenue, reduce costs, and support business growth.

What good looks like

Your payments setup is actively reducing processing costs, capturing revenue you'd otherwise miss, and giving you data you use to make decisions.

Get Your Growth Index Score

How does your payments program stack up?

Check the statements that are true for your business. The gaps are exactly where the Growth Index helps.

Revenue Transparency

You know your payment acceptance rate — and it's above 95%.
You review payments performance data at least monthly — not just when something breaks.
You know what your effective processing rate is and how it compares to your industry.

Customer Adoption Depth

Your customers can pay by card, ACH, and digital wallet — whichever they prefer.
You've never lost a sale because a customer's preferred payment method wasn't available.
Your recurring billing and autopay setup reduces collections effort and improves cash flow.

Integration Flexibility

Your checkout flow takes three steps or fewer from intent to confirmation.
You track checkout abandonment and have made changes to reduce it.
Your payment experience works consistently across mobile, desktop, and in-person channels.

Strategic Alignment

Your processing costs have decreased year over year — or you know why they haven't.
You use payments data to inform decisions about pricing, promotions, or customer terms.
You have a payments partner who proactively brings you opportunities — not just resolves issues.

Your Growth Index Score

Check items to see where you stand. If most are unchecked, there's significant upside available.

Underleveraged 0 / 12

If you’d rather benchmark with a partner than go it alone, we can walk through the full framework together — and leave you with a clear, prioritized roadmap of the changes most likely to move your score.

Schedule a Growth Index Review

Where does your business stand?

Four stages of payments performance — which one describes you?

Every business lands somewhere on this scale. Your Growth Index score tells you exactly where you are — and what it would take to move up.

Stage 1

Early-Stage

Payments are live, but you have little visibility into how they’re performing. You’re likely paying more than you should and missing revenue you don’t know about.

Stage 2

Enabled

You have basic visibility and your payments are working — but you’re still reacting to problems rather than optimizing proactively. There’s meaningful revenue you’re not capturing yet.

Stage 3

Managed

You actively track payments performance, your checkout experience is solid, and you review metrics regularly. You’re ahead of most businesses — and there are still gains available at the margins.

Stage 4

Strategic

Your payments setup is a competitive advantage. You’re capturing more revenue, paying less to process it, and using payments data to make smarter business decisions.

The Partner Behind the Index

Why Fortis

We exist to make payments work harder for the businesses that run on them — not just process transactions and stay out of the way.

Payments that run on your terms

Fortis processes payments across every channel — card present, card not present, ACH, digital wallets, and more — so your customers can always pay the way they want.

Clear visibility into what's happening

Fortis gives you reporting tools that show you exactly how your payments are performing — acceptance rates, processing costs, settlement timing — so nothing is a black box.

A partner who drives measurable growth

Unlike processors who just run transactions, Fortis takes an active role in your payments performance. We identify where you’re losing revenue, surface opportunities to reduce costs, and work alongside you to act on them — not just answer support tickets.

Ready to see where your payments stand?

Get your free Growth Index score in under 2 minutes. We'll benchmark your payments performance and show you exactly where you have room to grow — no commitment required.

Get my free Growth Index score

© 2026 Fortis Payment Systems, LLC (“Fortis”). All rights reserved. All other trademarks and brand names are the property of their respective owner(s).

Fortis is a Payment Facilitator and registered ISO for KeyBank National Association (Cleveland, OH) and Fifth Third Bank, N.A. (Cincinnati, OH); Fortis is a registered ISO for Citizens Bank, N.A. (Providence, RI); Compass Bank (an Alabama State-chartered bank); Woodforest National Bank (The Woodlands, TX); U.S. Bancorp (Minneapolis, MN); PNC Bank, N.A. (Pittsburgh, PA); Pathward, N.A. (Sioux Falls, SD); and Elavon, Inc. (Atlanta, Georgia), including the Canadian branch of U.S. Bank National Association.

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