Payment Processing

Your quoted rate isn't what you pay.

We read 47 line items on your merchant statement. Six of them were markup. Most business owners never find them.

Get My Free Statement Analysis

Every transaction leaks.

Your processor quoted you one rate. Your statement shows another. The difference is buried in line items most people never read.

Quoted rate

The number on your welcome letter

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Interchange

Visa/Mastercard network cost, non-negotiable

+0.30%

Assessments

Card brand service fees passed through

+0.14%

Processor markup

Bundled into your "qualified" rate

+0.29%

Junk fees

PCI, statement, batch, gateway — six line items

+0.10%

Effective rate

What you actually paid last month

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47

Line items on your statement

Most business owners read the total. We read every line. Typically six of them are markup you negotiated away.

0.83%

Average hidden spread

The gap between quoted and effective rate for our typical client. On $50K/month volume, that's $4,980/year.

7

Days to a new rate

From statement upload to competitive offer. No switch required — often your existing processor will match.