Straight answers: how processors hide fees, how pricing models actually work, and what to upload so we can fix it fast.
Simple. Four steps. You'll know what's wrong, what it costs, and how to fix it.
Send your most recent statement. PDF is best.
We map line items and locate the margin leaks.
You get a clear options sheet: keep, renegotiate, or rebuild.
We deploy the new structure with training and support.
If any of these show up on your statement, you're paying more than you think.
Transactions reclassified into more expensive buckets due to data/config rules.
"Network" and "regulatory" fees marked up beyond actual pass-through amounts.
Tokenization, batch, PCI, and platform fees duplicated across vendors.
Interchange passes through, then your processor adds a defined markup. Best for clarity and often lower total cost.
One blended rate covers everything. Best for lower-volume or mixed card environments. Easy to budget.
Menu pricing structured so card users pay more than cash. Must be implemented correctly to avoid compliance issues.
Powerful but rules vary by card brand and jurisdiction. We set caps, debit exemptions, and notices properly.
Transactions are grouped into "qualified," "mid-qualified," and "non-qualified" buckets. Sounds simple, but most transactions land in the expensive non-qual tier — inflating your effective rate without your knowledge. This is where we find the most hidden fees. If you're on tiered pricing, start your free review today.
Upload one of these and we can usually diagnose the problem immediately.