Blackstone Recovery — Contract, Interchange, Payables & Claims Recovery Audits

Our Mission

To put enterprise-grade revenue and margin recovery within reach of the mid-market.

Recovery is a growth lever

Every finding is either revenue you earned and never billed or margin you paid out and never reclaimed. It falls straight to the bottom line — no new customers, no new headcount, no operational change.

ii.

Capability the big companies keep in-house

Interchange optimization, contract-to-invoice reconciliation, payables audit, subrogation recovery — disciplines that large enterprises staff internally. We package them so a growing business can buy the capability instead of building it.

iii.

Aligned by design

Most engagements are contingency or findings-first: we advance the work and are paid from the dollars we return. If there is nothing to recover, we tell you that too.

Who We Serve

Businesses whose money hides in their own records.

We work with contract-driven and card-accepting businesses — and with the CFOs, controllers, and risk managers who answer for those numbers. Sectors we know from the inside:

Staffing & professional services

Multi-year client agreements with bill-rate escalators and markup uplifts negotiated once and never invoked — and heavy commercial-card acceptance where interchange quietly compounds. The leak grows every pay period the old rate ships on the invoice.

Managed service providers & IT services

Per-seat and per-device agreements with annual uplift clauses, true-ups, and out-of-scope charges billed at signing rates for years. Recurring contracts leak recurring money.

Logistics & 3PL

Storage escalators, fuel-surcharge formulas tied to indexes nobody re-checks, and accessorial schedules that never make it from the contract to the invoice.

Commercial facilities & route services

Janitorial, uniform, waste, and maintenance operators on multi-year service agreements with CPI clauses — the most commonly skipped billing term in commercial contracting.

Distributors & B2B suppliers

High commercial-card volume, tiered and contract pricing that drifts from the executed terms, and vendor-side payables large enough to leak real money to duplicates and unapplied credits.

Motor carriers & private fleets

Our founding specialty. Two pools of money: the subrogation and contribution recoveries sitting in closed claim files, and the detention, accessorial, and fuel-surcharge revenue your rate confirmations entitled you to but nobody invoiced.

Services

A suite of audits. One question behind all of them.

Each engagement works from records you already have or are entitled to, and none interrupts your operation. Most are structured so you pay from what is recovered — not from a retainer.

01 / Service

Rate & contract revenue audit

Flagship

Line engraving of a signed contract with a wax seal

Your contracts promise more than your invoices ever asked for. Escalators negotiated and never invoked. Discounts that expired years ago, still applied. Accessorials earned on paper and written off in practice. The agreement was negotiated once; the billing system has been repeating the old numbers ever since.

We reconcile what your contracts entitle you to bill against what you actually billed — clause by clause, with the citation, the arithmetic, and the invoice trail behind every finding.

Contract, amendment, and rate-schedule inventory
Entitlements reconciled against invoice history, per customer and period
Documented findings with clause citations and exhibits
Statute-of-limitations triage by governing state
Billing corrected going forward, so the leak stops at the audit

02 / Service

Card fee & interchange audit

New

Line engraving of a card statement with a credit card

The interchange you pay on every commercial card turns on transaction data most processors never optimize and most merchants never see. Visa now re-scores that data every month, deciding monthly whether you get its lowest “verified” rates or quietly pay a premium. The 2026 settlement adds new acceptance categories and surcharging rights on top.

We read your processing history the way a Fortune 500 treasury team reads its own — then watch it monthly, so a silent downgrade doesn’t cost you a quarter before anyone notices.

Transaction-level card-mix analysis and your true effective rate
CEDP (Visa “Product 3”) verification review
Monthly status monitoring, because Visa re-scores monthly
2026 settlement positioning modeled on your real card mix
Documented recoverable and go-forward findings
Fixed-fee diagnostic, credited toward the monitoring retainer

03 / Service

Accounts payable & vendor recovery

Line engraving of a commercial invoice with a line-item table

The same discipline, pointed at your disbursement history. Payables leak in predictable ways: invoices paid twice under different vendor identities, credits issued but never applied, deposits never returned, contract pricing never reconciled against what was billed. We audit your payments against vendor records and recover the difference.

Duplicate-payment detection across the full disbursement history
Vendor statement reconciliation for unapplied credits and open memos
Recovery of unreturned deposits and prepayments
Contract compliance — missed rebates, discounts, and overbilling
Records viability check before any work proceeds

04 / Service

Closed-claim file recovery audit

Line engraving of an insurance claim form

For fleets and self-insured operators, closed claim files hold recoveries nobody was paid to chase. When your driver wasn’t at fault, the other insurer owes the repair bill you paid inside your deductible. When a shipper’s crew loaded a load that failed, the shipper owes the cargo claim you absorbed.

A TPA administering claims inside your deductible isn’t paid on what it recovers for you, and its subrogation performance is rarely measured. We measure it. Recovered dollars pay a fleet twice: as cash, and as credits against your loss runs.

Program review — retentions, deductibles, and who held recovery rights
Loss-run analysis and file production from your TPA and carrier
File classification: never identified, dropped, or never concluded
Statute-of-limitations triage by state, so live files are worked in time
Demands, negotiation, and inter-insurer arbitration
Reporting on recoveries, loss-run credits, and files closed

Engagement Model

You pay from what we recover, or from what we find.

Every structure keeps our economics tied to the dollars we return to you — not to billable hours.

Pure contingency

Our standard structure for look-back recoveries. We advance our own costs and take a defined percentage of what is actually recovered. If a file produces nothing, it costs you nothing.

ii.

Fixed-fee diagnostic

For operators who want the picture before committing: a fixed-fee review that produces a sizing report on the addressable inventory. Credited against contingency fees — or the monitoring retainer — if the engagement proceeds.

iii.

Monitoring retainer

For leaks that reopen — interchange status Visa re-scores monthly, contract rates that drift at renewal. A modest monthly retainer keeps the audit live and catches a reversal before it costs a quarter.

iv.

An honest answer

We will also tell you when there is nothing to find. If your billing, your processor, or your TPA has been doing it right, the audit proves it — and that answer is worth having too.

Why Blackstone Recovery

Operational depth, not just analysis.

Aligned incentives

We are paid from recoveries and findings, not retainers. Nobody else touching your contracts, your processing, or your claims is compensated that way.

ii.

Operational, not analytical

The deliverable is recovered dollars, corrected rates, and lower fees — not a memorandum recommending that someone else do the work.

iii.

Enterprise capability, in reach

The audit disciplines a Fortune 500 keeps on staff — interchange, contract reconciliation, payables, subrogation — shouldn’t require a Fortune 500 budget. Because we work findings-first, the capability pays for itself out of what it recovers.

iv.

Complementary to your advisors

We don’t replace your CPA, your broker, your TPA, or your processor. We audit measurable functions they don’t — and work alongside the people already at the table.

About

The person reading your records.

Matthew Snyder

Principal

I’m Matthew Snyder. My work is civil financial investigation — reading financial records closely enough to find money that someone is owed.

I ran that work at United Capital Services from 2015 to 2019, and have run it at Blackstone Financial since 2023 — creditor’s-rights matters involving asset tracing, UCC and lien research, real property and corporate records review, bankruptcy dockets through PACER, fraudulent conveyance analysis, and judgment enforcement. Between those, from 2019 to 2023, I worked as an investigator at a top-50 U.S. law firm.

A recovery audit is that same discipline pointed at a friendlier target. Instead of finding assets a debtor moved out of reach, I am reading your contracts against your invoices, and your processing statements against the rates you actually qualified for. Here the records cooperate and the money is already yours. The method does not change: document-level review, quantified findings, and evidence you can put in front of the other side.

2023 – Present PrincipalBlackstone Recovery, a service of Blackstone Financial LLC
2019 – 2023 InvestigatorTop-50 U.S. law firm
2015 – 2019 Asset Investigator & OwnerUnited Capital Services
Certification Certified Cryptocurrency InvestigatorBlockchain Intelligence Group
Training Marion County Sheriff’s AcademyIndianapolis, Indiana

The money is already yours. We go find it.

Recovery is a growth lever

Capability the big companies keep in-house

Aligned by design

Four places money leaks out of an operating business.

Contract revenue

Card & interchange fees

Vendor overpayments

Insurance recoveries

Businesses whose money hides in their own records.

Staffing & professional services

Managed service providers & IT services

Logistics & 3PL

Commercial facilities & route services

Distributors & B2B suppliers

Motor carriers & private fleets

A suite of audits. One question behind all of them.

Rate & contract revenue audit

Card fee & interchange audit

Accounts payable & vendor recovery

Closed-claim file recovery audit

You pay from what we recover, or from what we find.

Pure contingency

Fixed-fee diagnostic

Monitoring retainer

An honest answer

Operational depth, not just analysis.

Aligned incentives

Operational, not analytical

Enterprise capability, in reach

Complementary to your advisors

The person reading your records.

Initial consultation provided without obligation.