Margins creep. Promo rates expire. “Small” fees stack. Most businesses haven't competitively priced their processing in years — and processors count on exactly that. Find your real number, then decide.
The rate you signed at isn't the rate you pay now. Processors issue margin increases in statement footnotes nobody reads — twice a year, like clockwork.
Every quote uses a different pricing model with different fine print. You can't tell a good deal from a repackaged bad one, so you stay put.
New hardware, re-entering recurring customers, retraining staff. The dread of the transition keeps businesses paying a premium for years.
At $50,000/month in card volume, an extra 0.5% in markup is $3,000 a year. An extra full point is a part-time employee. And it's pure margin — savings on processing drop straight to your bottom line, no extra sales required. The businesses that never check don't avoid this cost; they just pay it invisibly.
Calling three processors for quotes doesn't work — you'll get three incomparable pricing models, each optimized to look good in the meeting and drift upward after. The only honest comparison happens at the interchange level: what the card networks actually charge, versus what you're paying on top of it. That gap is the only number that matters, and it's the number statements are designed to hide.
We read your statement, compute that gap, and price your profile across our network. Sometimes the answer is switching. Sometimes it's using a competing offer to make your current processor match — they almost always can, the moment they believe you'll leave. Either way you win; we'll tell you which play is stronger for your situation.
And if your current deal is actually good? We'll tell you that too, in writing, and you'll sleep better. We only get paid when a placement makes sense and sticks — pushing you into a pointless switch costs us money.
A short set of questions about your business, your volume, and your situation. No documents needed yet, and nothing touches your credit.
Free • No hard credit pullA placement specialist reviews your answers against our processor network and walks you through the realistic options — which underwriters fit your profile, at what terms, and why.
No obligation • Plain EnglishOnce you pick a direction, we help you prepare and submit the application so it lands right the first time — and we stay with you until you are approved and processing.
Hands-on until you are liveA single processor can only offer you their box. We map your profile across an entire network and show you where you actually fit best.
Approvals are not luck. They are about presenting the right business, the right way, to the right desk. That is the part we do every day.
Blind applications create declines on your record, and declines make the next approval harder. We aim you once, at the right target.
Matching is half the job. We help with the application, the documents, and the follow-up until money is actually hitting your account.
When we place you with a processor, that processor pays us a referral fee. You don't pay us anything — not for the survey, not for the call, not for the application help.
Here's why that works in your favor: we work with dozens of processors, so we have no reason to push any particular one. And we only keep getting paid if you stay with the placement — a merchant who leaves in 90 days costs us money. Our incentive is literally to set you up to win. If we can get you to win, we win too.
No — and this surprises people. Roughly half the time, the winning move is taking a competing offer back to your current processor and letting them match it. We'll tell you honestly which path your numbers support. A retention discount you keep is a win we're happy with.
One or two recent processing statements and three minutes of questions about your volume and ticket size. From that we can compute your effective rate and your markup over interchange — the two numbers that tell the whole story.
Less than it used to be, but it's not zero — hardware, recurring billing migration, and timing all need a plan. That's part of what we manage. And we'll be straight with you: if the savings don't justify the switching cost, we'll say so.
No. The call is a working session: we review your survey answers, show you which processors realistically fit your profile, and explain the trade-offs. If none of the options beat what you have, we will tell you that and part as friends. Pressure placements come back to bite us — merchants who feel pushed do not stay, and we only get paid when you stay.
The survey and the alignment call involve no credit check at all. A credit check only happens if and when you decide to submit an actual application to a processor — and we will tell you exactly when that step is coming, before it happens.
Nothing. Processors pay us a referral fee when a placement succeeds and sticks. You will never get an invoice from us.
Take the survey, send a statement, and we'll show you your effective rate, your markup, and exactly what the market would offer your profile today. Then you decide — switch, renegotiate, or stay.
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