Stop Overpaying
to Accept Money
We audit your current processing rates, help you compare providers, and set up the right merchant account for your business model — so you can stop overpaying to accept cards. Often used alongside our Cash Flow Consulting to lock in the gains.
What We Handle
End-to-End Payment
Infrastructure
From statement forensics to terminal configuration — we cover the full stack so you never overpay again.
Rate Audit
Line-by-line analysis of your current processor statement. We identify every hidden fee, inflated interchange, and unnecessary surcharge bleeding your margins.
Processor Comparison
Side-by-side comparison of 8+ processors matched to your volume and card mix. We run the numbers on your actual statement — no guesswork, no averages.
Account Setup
We help you open a new merchant account with the right provider — the provider handles underwriting and approval. Terminals or payment integrations fully configured. We handle the paperwork and back-and-forth.
POS Integration
Connect payment processing to your POS system, website checkout, and invoicing flow. One seamless stack — no double-entry, no reconciliation headaches.
Chargeback Management
Dispute process setup, win-rate improvement, and prevention rules. We document your evidence flow so you stop losing winnable disputes.
Recurring Billing Setup
Subscription and retainer payment collection configured end-to-end. Dunning logic, retry rules, and customer-facing portal included.
How It Works
Live at Better Rates
in 5 Business Days
No hand-holding required. We run the process — you watch the savings hit your statement.
Statement Audit
Share your last 3 merchant statements. We sign an NDA first — your data stays private and is used only for the analysis.
Savings Report
We calculate exact savings available and recommend the best processor for your business type, volume, and card mix.
Account Switch
We handle the application, setup, and terminal or integration configuration. You don't chase paperwork or talk to underwriters.
Go Live
You're processing at better rates — usually within 5 business days. First statement shows the difference.
Packages
Flat Fee. No Kickbacks.
No Ongoing Cut.
One-time service fee. We receive zero referral commissions from any processor we recommend.
Starter
Rate Audit
one-time flat fee
- Full statement analysis — every line item
- Exact savings report with dollar amounts
- Processor recommendations ranked for your profile
- Negotiation cheat-sheet you can use yourself
Best for: businesses that want the intel and will handle the switch themselves.
Get Rate AuditDone For You
Full Switch
one-time flat fee
- Everything in Rate Audit
- We handle the account application end-to-end
- Terminal or payment integration setup
- POS connection and go-live testing
- Support until first transaction clears
Best for: businesses ready to act and want it done for them.
Get Full SwitchComplete
Payment System Build
one-time flat fee
- Everything in Full Switch
- Recurring billing and subscription setup
- Chargeback management — process + prevention rules
- Dispute evidence documentation flow
- Quarterly rate review for 12 months
- Rate lock negotiation where available
Best for: high-volume businesses and those with subscription or retainer billing.
Get Payment System BuildSavings Calculator
What Are You Actually Paying?
Plug in your numbers and see the monthly bleed in real time.
You're paying approximately $640/mo in processing fees.
Most businesses at your volume can get to 2.1–2.4% — that's $160–$220/mo back in your pocket.
These are estimates. Actual savings depend on your card mix and processor terms.
FAQ
Common Questions
Do you get paid by the processor?
No. We charge a flat service fee and receive zero referral commissions from any processor we recommend or facilitate. Our incentive is aligned entirely with you: the better the deal we find, the more likely you refer us to other business owners.
Will I have to change my terminal or POS?
Usually not. Most processor switches are software-only — you keep the same hardware and staff workflow. If new hardware is needed (rare), we spec the most cost-effective option and factor it into the total savings calculation so you know your real break-even.
What if I'm under contract?
Many contracts have escape clauses that processors don't advertise. We review your current agreement as part of the audit and advise on the lowest-cost exit path — whether that's waiting for a renewal window, invoking a rate-change clause, or negotiating a buyout offset.
How do I share my statements without risk?
We sign a mutual NDA before you share anything. Your statements are used solely for the rate analysis and comparison — they are not stored, sold, or shared. We send a confirmation when files are deleted after project close.
What industries do you work with?
All card-accepting businesses. We have particular depth in restaurants, retail, auto repair, healthcare, professional services, and subscription-model businesses — high-volume industries where even a 0.5% rate improvement produces significant monthly savings.
Get Started
Get Your Savings Report
Tell us about your current setup. We'll have a savings analysis ready within 48 hours.