Starlight Lane gives modern businesses a smarter way to process credit cards, recover held reserves, and put AI to work on every transaction — so money moves with less friction, less waste, and fewer surprises.
We run a tight shop. Instead of bolting on a hundred features you'll never use, we focus on the three things that actually move the needle for operators: better rates, recovered capital, and intelligent automation.
Interchange-plus pricing without the mystery fees. Same-day setup for most merchants, next-day funding, and hardware that doesn't look like it was designed in 2009.
Your processor is sitting on money that belongs to you. We audit reserve accounts, negotiate release schedules, and recover funds from past relationships — even ones that ended badly.
Plug intelligence into every transaction. Catch fraud before it clears, surface refund patterns, predict chargebacks, and automate reconciliation so your books close themselves.
Drag the sliders. We'll show you how much you're leaving on the table every month with your current processor. These numbers update live, so play with them.
No forty-page applications. No sales rep who ghosts you after signing. Here's exactly what happens from the moment you reach out.
Share your last three processing statements. We do a free audit and tell you exactly where you're overpaying.
A one-page proposal with your new rate, fees in plain English, and a side-by-side against what you pay now.
Most merchants are approved in 24 hours. We ship hardware and configure your gateway — you keep taking payments.
Our AI monitors every transaction. You get monthly reports and a real human to call when something feels off.
Most processors treat your transaction data like exhaust. We treat it like fuel. Our AI layer watches every charge, finds patterns humans miss, and hands you answers before you know you needed them.
Score every transaction in under 80ms. Block the obvious bad actors without touching your good customers.
Know which transactions are likely to dispute before the cardholder picks up the phone. Intervene early.
Your deposits, your ledger, your tax filings — matched and tagged automatically. Close your books in an afternoon.
Three minutes of your time. A real audit of your last three months of processing. No sales pitch, no pressure, no obligation. Just a clearer view of what you're paying and what you shouldn't be.