$31+
Million Annual Savings
1,400+
Active Clients
28%
average cost reduction
SAVE THOUSANDS
Are credit card processing fees eating into your profits?
We eliminate hidden fees, reduce inflated rates, and negotiate directly with your existing processor—saving you money without switching providers.
HOW IT WORKS
Our 3 Step Process
All credit card processing fees are 100% negotiable, and most businesses are paying too much. We’ll help lower your rates immediately and ensure they stay low for the long run.
Get StartedStep 1 - Review
We Review Your Account
We conduct a free audit on your processing statements to identify every cost-savings opportunity. Our service is structured so that we share a percentage of what you save, so our success is directly tied to yours.
Learn MoreStep 2 - Restructure
We Lower Your Rates
Our team works directly with your current provider to eliminate excess fees and secure better rates. You keep your existing processor and operations—we just make everything cost less.
Learn MoreStep 3 - Monitor
We Protect Your Savings
Once we’ve optimized your rates, we continuously monitor your monthly statements. If we spot any rate increases or new fees, we’ll get them removed and recover refunds to your account.
Learn MoreTESTIMONIALS
Why Do Customers Love MCC?
Jeff Digati
Finance Manager Claffey Pools
Merchant Cost Consulting did an exceptional job that will result in tens of thousands of dollars of savings annually. The process was simple from beginning to end and only required about 15 minutes of my time. I would highly recommend the Merchant Cost Consulting team!
Donald Balhoff
Owner, Balhoff Orthodontics
Accepting credit card payments is a necessity for all businesses in the modern marketplace. However, credit card companies make it confusing and costly to utilize them. Merchant Cost Consulting really follows through on their promise to negotiate on your behalf and save your business real money. I will save approximately $1000 a month in credit card processing fees because of Merchant Cost Consulting's expertise and assistance. That's something to be excited about!
Mari Sawtelle
“MCC has been a great vendor in our group, and has saved many members over 10k a year on credit card charges. They are prompt and efficient. The best part is that it costs nothing if they can’t save you money!”
Frank Peditto
President, ReloTrans
I would like to thank the team at Merchant Cost Consulting. We have been working with them for close to a year now, and they have been able to save us a considerable amount of money on our credit card processing. The process of onboarding their services was seamless...very easy and straightforward. Glad we made the decision to partner with Merchant Cost Consulting.
ABOUT US
Merchant Cost Consulting helps businesses reduce credit card processing costs without switching processors or changing day-to-day operations.
Get a FREE audit and analysis today.
Find out how much you can save on credit card processing fees.
Why MCC?
- We identify hidden fees and inflated rates.
- Our team negotiates directly with your processor.
- You won’t have to switch providers or change operations.
- We’ll get you refunded for bogus charges and protect your account against rate increases.
Blog
Latest Blog Content
FAQ
Frequently Asked Questions
Do I need to switch from my current merchant services provider?
No. We negotiate better rates with your existing processor, so you keep your current provider and operations. We work directly with your processor (on your behalf) to eliminate unnecessary fees and reduce inflated rates.
How are you compensated?
MCC operates on a success model—meaning we only get paid when you save money. Our fee is a percentage of the savings we generate for your business, so there’s no upfront or monthly charges. If we don’t find savings, you don’t pay anything.
What exactly is a merchant consultant?
A merchant consultant is an expert who analyzes credit card processing statements, identifies unnecessary fees, and negotiates with processors to reduce costs. We leverage industry knowledge and data from thousands of clients to ensure businesses never overpay for credit card processing—helping you to navigate the complex world of payment processing.
How much money can I save on credit card processing?
Our clients save an average of 28% on processing fees. Depending on your monthly volume, this could mean annual savings between $10,000 and $350,000. We’ll analyze your statements for free to determine your specific savings opportunities.
How long does the process take?
The initial statement audit takes just 1-2 business days. Then we contact your processor to recover funds and negotiate better rates on your behalf, which typically takes less than a week. Most of our clients see the cost reductions and any credits reflected on their next statement.
What types of businesses do you work with?
We work with brands of all sizes across every industry—from small businesses to Fortune 500 companies, ecommerce shops, retailers, healthcare organizations, franchises, and beyond. If you accept credit cards, we can help reduce your processing costs regardless of your business type or monthly volume.