Services / Merchant Services and Card Processing

Merchant Services and Card Processing

Card, POS and online payment setup through partner processors, plus statement and fee reviews.

Talk to us about thisHow it works

What am I actually paying to take cards?

The kind of question this service answers, using your own records and numbers.

Card processing statement

Example
Card sales
48,200.00
Interchange
-812.40
Card brand assessments
-67.48
Processor markupWhat is this rate?
-361.50
Monthly service feeDo you still need this?
-49.95
Total fees
-1,291.33

Illustrative figures for one month. We separate what the card networks charge from what the processor adds.

Who it is for

Businesses that are starting to accept cards, adding online or mobile payments, or have been with the same processor for years and never looked closely at the monthly statement.

Common problems it solves

  • Your processing statement is several pages long and you cannot tell which charges are fees and which are rates.
  • You are not sure whether your pricing model fits the way your customers pay.
  • Your in-store, online and invoice payments run on separate systems that do not match up.
  • You signed a processing agreement years ago and do not remember the terms or cancellation fees.

What you get

  • A line-by-line review of a recent processing statement, showing interchange, card brand fees, processor markup and monthly fees separately.
  • A plain summary of your current agreement: pricing model, contract length, equipment terms and early termination fees.
  • Options for card-present, online and invoice payments from our partner processors, compared on the same basis.
  • Help with setup and switching: applications, POS or terminal configuration, and a checklist so nothing is missed.

How the process works

  1. Share a statement

    Send us one or two recent processing statements and tell us how your customers pay.

  2. Statement review

    We break down every fee and explain what it is and whether it is negotiable.

  3. Compare options

    If a change makes sense, we present options from partner processors side by side.

  4. Set up

    If you decide to switch or add a service, we help with the application, equipment and first weeks of use.