TRANSPARENT PRICING

Pricing that fits your business — not a generic rate card

Your payment processing cost depends on your industry, card mix, monthly volume, risk profile, and the processor you are best matched with. We analyze those variables and help you find the most competitive fit.

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No obligation. No hidden fee review. Real analysis based on your current processing.

WHY WE DON’T USE ONE-SIZE-FITS-ALL PRICING

Processing rates are not fixed across businesses

A coffee shop, an ecommerce brand, a medical practice, and a higher-risk merchant should not all receive the same pricing structure. Real processing costs vary based on transaction type, volume, average ticket, industry, chargeback exposure, hardware needs, and underwriting profile.

That means a flat public rate can be misleading. Instead of forcing every business into the same pricing box, we review your current setup, identify unnecessary costs, and match you with the processor most likely to produce a better long-term outcome.

HOW PROCESSING PRICING WORKS

Merchant pricing comes down to three layers

The goal is not just a lower quoted rate. The goal is a better effective cost in the real world.

Interchange

These are the base card network costs attached to different card types and transaction scenarios. They are not set by us.

Processor Fees

This is where pricing structures, markups, monthly fees, platform charges, and other costs vary from provider to provider.

Optimization

We analyze your current statement, identify avoidable costs, and align your account with the processor and structure that best fits your business.

WHAT MAKES US DIFFERENT

We analyze, compare, and optimize — not just sell processing

Many providers lead with an attractive headline rate and bury the real economics in the fine print. Others gradually increase markups over time, making the original deal less competitive than it first appeared.Our model is different. We start with analysis. We look at the numbers, the fee structure, the operational needs of your business, and the kind of processor relationship most likely to work for you over time. Then we recommend the best-fit path based on that reality.

Statement-based savings analysis

Pricing drift monitoring and correction

Ongoing processor re-evaluation as your business grows

Processor matching based on business fit

Clear pricing comparisons

Long-term optimization, not just an opening quote

GENERAL PRICING RANGES

Pricing ranges vary by business type

These are broad directional ranges only. Actual pricing depends on your statement, card mix, risk level, and processor fit.

Most businesses we analyze are overpaying by 0.3% to 1.5%

Low-Risk Retail / In-Person

~1.5% to 2.4% + per-item fees

Stable card-present businesses with lower risk and predictable ticket sizes.

Service Businesses / Professional Practices

~1.8% to 2.8% + per-item fees

Providers like medical, legal, and professional services
with mid-sized, stable tickets.

Ecommerce / Card-Not-Present

~2.3% to 3.4% + per-item fees

Remote and online transactions with higher fraud risk and no physical
card present.

Higher-Risk Profiles

Varies significantly

Industries, business models, or processing types with elevated chargeback
or fraud risk.

These ranges are not quotes or guarantees. They are meant to provide context. The most accurate way to estimate savings is to review a recent merchant statement.

QUICK PRICING CHECK

See how your pricing compares in seconds

Get a quick estimate based on your business profile. Then see your exact numbers with a full statement analysis.

Estimates are based on industry averages (Stripe, Square). Actual savings vary based on interchange, fees, and business type.

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Your estimated pricing snapshot

Estimated monthly cost: $0 – $0

Estimated effective rate: 2.6% – 3.1%

Typical range for your profile: 2.1% – 2.6%

You may be overpaying by 0.5% – 1.0%

Estimated monthly transaction count: 0

Includes estimated interchange, processor markup, per transaction fees, network/access fees, and fixed monthly fees:

This is a directional estimate based on business type, average ticket, payment method, and transaction count. Actual pricing may include additional costs such as card network fees, PCI compliance, monthly minimums, and processor-specific charges. Your statement is required for a precise analysis.

Low average ticket sizes can significantly increase your effective rate due to per-transaction fees.

Get My Exact Savings Analysis →

Upload a statement to see your actual fees and savings opportunities.

Final analysis includes all network fees, PCI costs, and processor-specific pricing.

WHY MERCHANTS OVERPAY

Businesses don’t lose money on one fee — they lose it through drift

In merchant services, overpayment often happens gradually. A markup increases. A fee gets added. A pricing structure stops making sense as the business evolves.

That is why we start with analysis. We help identify whether your current pricing is still fair, where costs may have drifted, and whether a better processor fit exists today.

COMMON SOURCES OF DRIFT

Markup increases over time

New monthly or compliance fees

Pricing structure no longer fits the business

COMMON QUESTIONS

Answers to common pricing questions

Do you charge for the analysis?

No. The initial statement analysis is free. It allows us to understand your current pricing and identify whether there are meaningful opportunities to improve it.

Will I have to switch processors?

Not necessarily. If your current setup is competitive, we will tell you. If there is a better option, we will explain why and show you the difference.

How accurate is the pricing estimate?

The estimate is directional and based on general assumptions. Actual pricing depends on your statement, card mix, and fee structure. A full analysis provides precise numbers.

How long does the analysis take?

Most analyses are completed within 24–48 hours after receiving your statement.

What do you need to run the analysis?

A recent merchant statement is the most helpful. This allows us to evaluate your effective rate, fee structure, and any areas where costs may have drifted over time.

What if I am already getting good pricing?

That is a good outcome. We will confirm that your pricing is competitive and explain why. Many merchants simply want clarity and confidence in their current setup.

Still unsure? Upload a statement and we’ll walk you through it.

See what you’re actually paying — and what you could be saving

Upload a recent statement and we’ll analyze your pricing, identify potential savings, and recommend the best-fit processor for your business.

Most merchants don’t realize how much their pricing has drifted until they review a statement.

Get My Free Analysis →

View Sample Analysis

No cost. No obligation. Most analyses completed within 24–48 hours.