Most merchant statements are built to be hard to read. We show you the three parts of every processing fee — interchange, network assessments, and our markup — and then we show you ours. Send a statement and find out where you actually stand.
Three steps, and no commitment required to find out what you're paying today.
We read it the way a processor reads it, and translate it back into plain English — every line item, what it is, and whether it should be there.
Your current costs next to ours, in the same format, on the same page. If we can't beat what you have, we'll tell you that instead.
We handle equipment, programming, and setup. Your business keeps running, and your rep stays with you afterward — not just through the sale.
Bundled pricing hides which part is which. Once you can see the split, you can tell the difference between a cost and a markup.
Set by the card networks and paid to the card-issuing bank. Every processor pays the same rates. Nobody can discount this — anyone who says otherwise is repackaging something else.
Visa, Mastercard, Discover, and Amex each charge their own fees on top of interchange. Also fixed, also identical across processors.
The only part that's actually negotiable, and the only part we get paid on. We state it plainly and it stays where we set it — no re-pricing, no creep.
TWO OF THE THREE ARE THE SAME EVERYWHERE. THE THIRD IS WHERE PROCESSORS COMPETE — OR HIDE.
Quoted rates aren't comparable to each other — they cover different things. Your effective rate is what you actually pay on every dollar you process, and it's the only figure that lets you compare two processors honestly. Two numbers off your statement is all it takes.
This is arithmetic, not a quote. It tells you your true cost per dollar processed. What it can't tell you is how much of that is interchange and assessments versus markup — that requires reading the statement itself, which is what the free review does.
Compare this figure against any quote you're given. If a processor won't state their pricing in a way that produces a comparable effective rate, that's the answer.
In person, online, over the phone, or on a recurring schedule — with the infrastructure and the people behind all of it.
Modern terminals, Clover POS systems, tap-to-pay devices, and mobile readers — set up and programmed for how you actually operate.
Secure gateways wired into your site, shopping cart, CRM, or invoicing platform — without handing you a technical project.
Take payment from anywhere — by phone, by invoice, or from a device in the field. Built for contractors, consultants, and service businesses.
Subscriptions, retainers, and recurring charges — with fewer failed payments and less chasing across your client base.
Branded gift cards and loyalty programs that run through your point of sale instead of sitting beside it.
Merchant cash advances for qualified businesses — working capital underwritten against your existing processing volume.
The same comparison we walk every merchant through on their free statement review.
Payment processing should be simple to understand, honest in its pricing, and backed by people who pick up the phone. That's the entire operating thesis.
Talk to a Real PersonYou see where every dollar goes — interchange, assessments, and our markup as separate lines. No bundled rate with a markup buried inside it.
One point of contact who knows your account and your business, reachable by phone rather than through a support portal.
Five years of rate stability, which protects you from the quiet re-pricing and annual creep that most merchant relationships accumulate.
Terminals and POS systems with nothing upfront, and next-day replacement if hardware fails. Downtime costs more than the device does.
Move the sliders to match your business. This is a ballpark based on typical interchange-plus savings — send a statement for an exact number.
Illustrative estimate only — not a quote. Actual savings depend on your card mix, average ticket size, and current agreement. Get your exact number →
Real accounts of what changes after the statement review.
Our old provider kept adding fees we never agreed to. They walked us through every line of our statement and showed us exactly what we'd save before we switched.
I have one person to call, and he actually picks up. That alone was worth switching for — the savings on top were a bonus.
The switch took one afternoon. New terminals showed up programmed and ready — no downtime, no lost sales.
Send a recent processing statement and we'll return a line-by-line read of it — what each fee is, which parts are fixed, and what your markup looks like against ours. No commitment, and no obligation to switch.
Call for a Free Review